Lets Get Started

Debt Consolidation

Right now is the perfect time to consider a Cash-Out Refinance in St. Louis. Why? As the economy continues to grow, raised interest rates are looming on the horizon. However, right now, interest rates in the St. Louis market are still very low as home values continue to rise. It’s a red hot market today, and if you want to be part of it, now is the time to act. Right now, you can have equity in your house that you can put to work.

St. Louis Cash Out Refinance

A Cash Out Refinance is just like a regular refinance option, except you receive the cash back that you are looking for at the closing of the property. It’s the instant gratification you’ve been looking for. You can take this cash and use it to pay off those high interest credit cards, HELOCS, student loans, personal loans, or any other debt you may have accumulated. Though we don’t want to admit, most Americans are saddled with some kind of debt today. With this money, you can finally consider those home improvements, a new car, your daughter’s wedding, or a dream vacation you never thought was possible. St. Louis Cash Out Refinances are available with adjustable, as well as with fixed, rates that can accommodate any term for your unique situation, ranging from 5 to 30 years.

Notable St. Louis Cash Out Loan benefits include:

  • Cashed out availability to pay off high interest debt
  • Cash back for home improvements
  • Consolidated risky second mortgages or lines of credit
  • Hundreds or thousands saved every single month
  • Competitive rates
  • Fast turn times
  • One month without a mortgage payment

And the list goes on. With these kinds of loans, we offer same day pre-approval, moving fast on your behalf. Our team also provides in-house underwriting, expediting the entire process to help you consolidate your debt in record timing.

The Home Loan Expert Cash Out Refinance Promise

With these loans, you can use the equity in your home as we structure a new loan for a new you. We make this kind of debt consolidation as easy as possible, helping you to lower your debt, decrease your monthly payment, and lessen the amount of stress you carry around with you on a daily basis.

For more information, contact us today:

Ryan Kelley The Home Loan Expert
St. Louis Mortgage Company
1600 South Brentwood Blvd., Suite 700
(314) 781-9700

Get started on your cash out loan by calling us today!

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?

1600 South Brentwood Blvd, Suite 700 Brentwood, MO 63144

First Name*

Last Name


Your Email*