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HARP, the common name for the Home Affordable Refinance Program, has made our St. Louis homeowners very happy. This loan program has given us the ability to refinance homes for thousands of homeowners, if they plan to lower their payments, take years off of the loan, or just lock in a fixed rate. HARP loans were created as a federal program to give homeowners that have their loans through Freddie Mac and Fannie Mae the chance to get an affordable home loan, to keep them from losing their home. Is St. Louis, refinancing with a HARP loan with Ryan Kelley, The Home Loan Expert is easy, as we follow a system that we have polished over the years of extensive work to be the best in the industry.

The HARP Loan program started in March of 2009, created by the Federal Housing Finance Agency to assist underwater home owners and borrowers that are behind on their loans, and are in danger of being foreclosed upon. Families that were unable to get out from under the loans because of the plummeting home values caused by the housing market crash of 2007. This didn’t sit well with those who had stayed current on their loans, and made the payments on their homes, no matter the higher rates. This led to the December, 2011 implementation of HARP 2.0, which gave borrowers who WEREN’T in trouble on their loans an opportunity for lower loan rates. The requirements also lessened, allowing homeowners who owed more than 125% to refinance without Private Mortgage Insurance. The mortgage lender was now guaranteed to not be held for fraud on the original loan, which led to more lenders signing up for the program. More often than not, we close St. Louis HARP loans without even needing an appraisal at all.

Whether you’re looking to purchase a new home or refinance one in St. Louis, St. Charles, Clayton, Ladue, Wentzville, O’Fallon, Creve Coeur, Kirkwood, Maryland Heights, Richmond Heights, Fenton, Ellisville, or across the river in Illinois, in Edwardsville, Collinsville, Glen Carbon, Fairview Heights, O’Fallon, Swansea, Alton, or Belleville, Troy, or anywhere in St. Louis and the surrounding areas, give us a call or apply online at

Ryan Kelley
The Home Loan Expert
(314) 781-9700

Come in and speak to us at
1600 S Brentwood Blvd 
Suite 700
St. Louis, MO 63144