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HARP Loans

Refinancing is almost always a financial hardship for homeowners. Most of the time, refinancing is the result of an unforeseen circumstance like a drop in home value, a dip in credit score, or accumulated debt. The Home Loan Expert understands that when you decided to purchase your home in Birmingham, you were not expecting this. Our extensive expertise and understanding of the Birmingham housing market has given us a leg up on other local lenders. For a limited time, we can offer you an affordable and effective option to help you get your head above water and refinance with confidence! The Home Affordable Refinance Program, or HARP is designed to help homeowners navigate the rough waters of a refinance with ease, comfort, and confidence. Let us walk you through everything the HARP program can do for you!
If you’re approved for a HARP, you can expect:

  • Competitive rates
  • Bankruptcy and foreclosure forgiveness
  • A month without mortgage payments

In most cases, you might not even need a home appraisal. And if your credit has taken a recent dip, come talk to us! We will still work to get you the best rates we can to ensure the HARP works for you. The underwriting guidelines for credit and income are more relaxed so that we can accommodate every one of our clients to the best of our ability. In addition, one of the biggest advantages with this program is that you will not have to pay for private mortgage insurance (PMI). This program is designed to help the people of Birmingham feel comfortable in their own homes again. Trust us, the HARP is a fantastic option for refinancing.

The Home Loan Expert can guarantee a quick turn around time with a speedy application process to keep you aware and confident in our services. We provide one-on-one customer service where our agents meet face to face with you, instead of over the phone. When applying for a HARP, you can expect less confusing and time-consuming paperwork. And you can always be sure that we will contact you with daily progress reports.

When refinancing your home, it is imperative that the agent you’re working with understands the concerns that come along with such an undertaking. Remember, the offer for this refinance-only program expires on December 31st, 2018. You need to make sure you act quickly so that you can once again feel safe and secure in your forever home. The Home Loan Expert in Birmingham will be sure that once you’re approved for the HARP, you can go back to living your life in your forever home.

For more information, contact us today!

Why Choose The Home Loan Expert

Mortgage Company

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.

New Home Purchase

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

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

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

CONVENTIONAL

CONVENTIONAL

Best Loan Conditions for ideal
Situations

DEBT CONSOLIDATION

DEBT CONSOLIDATION

Pay Off High Interest
Debt

FHA

FHA

Flexible Loan Qualification Guidelines
With Attractive Rates

JUMBO

JUMBO

High Value Special
Loans

VA THE HERO LOAN

VA THE HERO LOAN

Zero Down Payment Specialty Loan For
Veterans and active Military

HARP

HARP

Refinance Without An
Appraisal

"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

Saint Louis Mortgage Company

1600 South Brentwood Blvd, Suite 700 Brentwood, MO 63144
205-721-7656

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