No Out Of Pocket Costs From The Home Loan Expert

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Credit Cards and CalculatorDoes it feel like there’s an out of pocket cost for everything? Everywhere you go, there’s somebody looking for you to pay them. Some times that’s fine – it’s always good to pay people for their services. It’s how the economy runs, after all. Pay your bills and tip the service industry, of course. The problem arises when companies look to get into your pocket for things that you’re already paying them for. Nickel and diming you to death isn’t the way to develop a long term relationship with your customers.

That’s why The Home Loan Expert, Ryan Kelley, refuses to charge any out of pocket costs to customers looking to refinance their loan. If a company charges you a fee to fill out a form for a service that you’re paying them for already? They are a JOKE. It’s that simple. When you walk into The Home Loan Expert offices or apply online at you won’t ever be charged an out of pocket expense. It’s just not how we do business.

We also get faster turn times than anyone in the business. We take you through the process, step-by-step, and make sure that you’re comfortable with the process. This lets you see how the loan is calculated, and what goes into each quote that we give. You know that we’re giving you the lowest rate available because we show you how we get it. Combining no out of pocket costs with a fast, transparent process and terrific customer service lets us close more loans than any other loan officer in the area.

Call us today in St. Louis at (314) 781-9700 and visit to apply online today. We want to save you money on your home loan, whether it’s lower payments, shorter years, getting money out to put towards higher interest loans, or all of the above. If your current rate is not in the 3’s, call us today. No one makes refinancing or buying a home easier.