Get a Mortgage From a Human, Not an Algorithm

Holiday Scene
7 Tips For a Safe Holiday Season
December 16, 2016
Christmas Presents
A Cash Out Refinance Can Help This Holiday Season
December 21, 2016

Buying a home is a different transaction from almost any other.  When you are shopping for a new home purchase, the biggest purchase of your life, would you rather work with a program or a person?  It’s always better to get a mortgage from a human, not an algorithm.

An app isn’t going to give you advice.  It won’t help steer you towards the loan program that’s best for you.  It won’t sit down and explain to you what you’re paying and why.

Getting your mortgage from a real person gives you all of this.  You learn about your loan from the inside out.  The Home Loan Expert, Ryan Kelley will meet you wherever and whenever to talk about your mortgage and go over your options.

A mortgage is not a TV.  You’re buying your home, it’s not something that you should rush.  The commercials that you see for the Rocket Mortgage show them getting approved while they look at homes.  That’s a terrible way to proceed.  When you shop for a home, you need to get pre-approved for your mortgage first, then shop within your means.  That way, you aren’t stuck waiting and can make an offer that day if you want to.

A pre-approval is a huge weapon in your back pocket.  It makes you a more attractive buyer and can help you get your home ahead of another buyer.

Next Steps

Mortgage rates are at historic lows, right now.  This is the most opportune time for you to get a refinance or buy a new home.  Don’t waste it by signing up for a loan through an algorithm.  Call us in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515 and Nashville at (615) 810-8555.  You can always apply online at, and we’re also open on Saturdays to better serve you. Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?