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If you feel stuck in a 30-year St. Louis mortgage, there’s hope on the horizon. It’s called the Rate and Term Refinance, and The Home Loan Expert, Ryan Kelley, is closing them every day for St. Louis homeowners. This loan program is saving thousands of dollars over the life of people’s mortgages!

A Rate and Term Refinance takes the equity that you’ve built up in your home and combines it with today’s historically low interest rates. It allows you to change your 30-year mortgage to a 20 or even a 15-year, sometimes without even changing your monthly payment!

Refinancing with The Home Loan Expert, Ryan Kelley also lets you skip a couple of months of payments on your mortgage after the re-fi! But these low rates may not be here forever, so the time to refinance is NOW. With the recovery of the US economy, the federal reserve is looking to raise interest rates again, and we don’t want you to miss out on the chance to pay thousands of dollars less on your mortgage.

Call The Home Loan Expert, Ryan Kelley today. We will work up your options, and show you EXACTLY how much we can save you by reducing your interest rate and shortening the length of your loan. Don’t miss the boat. Call us at 314-781-9700 or apply online at today. Nobody makes it easier to refinance or purchase a new home than The Home Loan Expert, Ryan Kelley.