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From the Cardinals and Blues to the Missouri Tigers. From big cities and county fairs. We know Missouri through and through. The HomeLoanExpert.com was started in Missouri. We do purchases and refinances from St. Louis to Columbia to Springfield and everywhere in between. When we started the company, we knew Missouri was our home. In the early days of The Home Loan Expert, Ryan Kelley would spend all day working up loans and going over loan options with potential borrowers. At about 5pm, when most people were wrapping up their work days, Ryan would get in the car and drive all over the state to meet with our clients at their home, sit at their kitchen table and go over the loan application line by line. Ryan put a lot of miles on his car in those days, but he knew it was the right way to do business. And there was no better way to get to know the state of Missouri, than driving from town to town to meet our borrowers. No one knows Missouri like The Home Loan Expert Team. We also know that it is more than just home loans. It’s about giving back. The Home Loan Expert Team has connections all over the state with many local Charities that we hold close to our hearts from Friends of Kids with Cancer, Back stoppers, Make a Wish, Boy Scouts of America and so many more.

If you are looking to purchase or refinance a home in the state of Missouri, there is only one lender to call, The Home Loan Expert.

  • We will come to you at home or work to make sure that you know your options
  • We are open 7 days a week from 7 a.m. to 10 p.m
  • We pioneered the Hero Loan, a VA loan program designed to help our service members and veterans get the loan that they deserve
  • We give unparalleled customer service
  • We give back, raising or donating directly over $100,000 in our communities last year alone
  • We are a direct-endorsed FHA lender, meaning that we get FHA loans approved in-house, saving you time
  • Same Day Pre-approvals
  • Loans closed in as little as 30 days

If Missouri residents want a refinance or to purchase a new home, you will get the best deal and the highest quality service on FHA, HARP, VA, USDA, Jumbo, and Conventional loans.

We also offer incredible service and fast turnaround on debt consolidation loans, to pay off credit card debt or make home improvements. You can refinance to reduce your monthly payment, to shorten the term of your loan, or to get rid of PMI. When interest rates are incredibly low, you can do all three at the same time!

So if you are even thinking about buying a home or refinancing your current one, call The Home Loan Expert office today. We service homeowners in St. Louis, Kansas City, Springfield, Columbia, Independence, Lee’s Summit, Joplin, St. Joseph, Blue Springs, Jefferson City, Cape Girardeau, Liberty, Rolla, and every other city in Missouri.

Our Missouri office is located at:
1600 South Brentwood Blvd
Suite 700
Brentwood, MO, 63144
Or you can always call (314) 781-9700 or apply online at www.thehomeloanexpert.com.

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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Contact our Missouri HQ

  • 1600 South Brentwood Blvd, Suite 700, Brentwood, MO 63144
  • 314-781-9700