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A HARP loan offers homeowners whose homes have lost value the ability to refinance at today’s current mortgage rates. The biggest advantage this loan offers is you will not have to pay private mortgage insurance (PMI). As a result you’ll enjoy a lower monthly payment! What can you expect with a HARP?

  • Single point of contact from pre-qualification to close
  • Receive daily progress updates
  • Quick turnaround times
  • Homeowners have until September 2017 to act
  • Supports loans backed by Fannie Mae or Freddie Mac

Your current mortgage must have a note date of no later than May 31, 2009. If you’re underwater on your conventional mortgage, you may be eligible to refinance and enjoy a more affordable home loan. Plus, you can stay in your current home.

Why Choose The Home Loan Expert

Family In Front Of House

Customer Service

Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

We Are The Experts

Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

Better Home Loans with Lower Mortgage Rates

We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

We Are Mortgage Lenders, Not Mortgage Brokers

As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

Select A Specialty Loan

CONVENTIONAL

Best Loan Conditions for ideal
Situations

CONVENTIONAL

Best Loan Conditions for ideal
Situations

DEBT CONSOLIDATION

Pay Off High Interest
Debt

DEBT CONSOLIDATION

Pay Off High Interest
Debt

FHA

Flexible Loan Qualification Guidelines
With Attractive Rates

FHA

Flexible Loan Qualification Guidelines
With Attractive Rates

JUMBO

High Value Special
Loans

JUMBO

High Value Special
Loans

VA THE HERO LOAN

Zero Down Payment Specialty Loan For
Veterans and active Military

VA THE HERO LOAN

Zero Down Payment Specialty Loan For
Veterans and active Military

HARP

Refinance Without An
Appraisal

HARP

Refinance Without An
Appraisal

"Being a Business Owner is About
More Than Just Bottom Lines."

“Running The Home Loan Expert is two jobs in one.  On one side, I lead our team who help customers fulfill their home ownership dreams. On the other hand, I organize and put forth a lot of time in to giving back to the communities that we serve. Whether it is donations, sponsorship, climbing Mt. Rainier, marching in the desert, stepping in the boxing ring, or donating my time, I do whatever I can to help those in need. The Home Loan Expert understands that, without our local community, we can’t be successful, that’s why we believe giving back to those who have helped us build our business is so important.”

-Ryan Kelley, Founder of The Home Loan Expert

real testimonials. real clients. real results.
why would you go anywhere else?