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Home Purchase Loans

Buying a new home should be one of the most exciting times of your life. However, all to often the home buying process becomes difficult and stressful. A lot of that can be attributed to using the wrong lender. There is a reason that agents all over town refer us to their clients. We close on time; every time and we get their clients the best loan possible. Helping our clients get into the home of their dreams without any hassles is one of the best parts of our job. We have a team dedicated to your purchase. Our Team is in the office ready to help you and your agent 7 days a week. The Home Loan Expert Team can get you pre-approved the day you call in so that you are ready to make an offer as soon as you find the home you are looking for. Why use us:

  • Same day pre-approvals
  • We offer FHA, Conventional, VA, USDA and Jumbo Loans
  • Competitive rates
  • Wide variety of down payment options
  • We offer fixed and adjustable rates
  • Options with and without PMI
  • Lender credits available for closing costs
  • In house underwriting and credit decisions
  • Fast turn times
  • Excellent Real-estate Agent relationships
  • Top Notch Customer service with everyone involved in the purchase process
  • A+ with the BBB

You can never get pre-approved too soon. The purchase market is red hot. There are a lot more buyers than sellers right now. It is more important than ever to be pre-approved by a strong mortgage lender. Buying and Selling Agents alike see a pre-approval letter from The Home Loan Expert as gold.

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



Best Loan Conditions for ideal



Pay Off High Interest



Flexible Loan Qualification Guidelines
With Attractive Rates



High Value Special



Zero Down Payment Specialty Loan For
Veterans and active Military



Refinance Without An

"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?

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Delivering First-Class Service in these States
We come to you!

Missouri HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144

Tennessee HQ

320 Seven Springs Way, Suite 250
Brentwood, TN 37027

Indiana HQ

3815 River Crossing Parkway, Suite 100
Indianapolis, IN 46240

Illinois HQ

1913 West Diversey Avenue
Chicago, IL 60614

Alabama HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144