Change Your Life With a Mortgage Refinance

Two People Discussing Home Equity
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Happy Person Who Refinanced

A mortgage refinance is a life changing event.  It’s a step toward financial health and a better life.  It’s that important to make sure that you’re paying the least possible amount on your mortgage.  It’s the biggest bill you have, why not pay as little as possible?

Rates right now are low.  But with bank regulations set to change and a new administration moving into the White House, rates are threatening to rise for the first time in years.  There’s a real reason to hurry up and lock in these low rates, especially if you have a higher rate.  Think of it this way.  If you bought a home ten years ago, your rate is probably going to be in the 6’s.  You may think that it’s not worth it to call and find out what you could be paying.

You would be wrong.

A refinance can save you $400 a month on your mortgage payment.  That’s money that could make a huge difference to your monthly budget.  You could:

  • Buy a new car
  • Pay off your credit cards
  • Take a vacation
  • Pay for a wedding
  • Pay off student loans
  • Remodel the house

Or any other expense that you have.  You can also shorten the length of your loan and own your home earlier than you had planned on.  You can retire knowing that you have your house payment taken care of.

The Home Loan Expert never charges any out of pocket costs and your application is free.  We give you a pre-approval and tell you exactly what you will save every month.  You don’t even have to come to the office.  We’ll come to you, at your office or home.  When you refinance, you can even skip a couple of months of payments, which can make a huge difference with the holidays coming up.  We’ll change your life in a lot of different ways.

Get Started

Grab your most recent mortgage statement and check the rate.  If it’s not in the 2’s, we can help.  Call The Home Loan Expert, Ryan Kelley and take advantage of lower mortgage rates to buy your home or refinance and save money. Call us in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, or Indianapolis at (317) 550-1515. You can always apply online at, and we’re also open on Saturdays to better serve you. Don’t forget to follow @TheHomeLoanEx on Twitter for breaking mortgage news and knowledge.  Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?  Find out just how life-changing a lower interest rate can be.