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Conventional Loans

“Buy a house in Birmingham and you’ll make a fortune!” We’ve all seen the headlines today. Birmingham is an up-and-coming real estate market that just can’t seem to shake investors across the country. If you’re thinking about snatching up property in Birmingham, just know you are not alone. It’s one hot market with a variety of home selections, all in an affordable price bracket. If you’re ready to foray into Birmingham, it’s time you consider the benefits of doing so with a Birmingham Conventional Loan.

Birmingham Conventional Loans

Our Birmingham Conventional Loans are available fixed and adjustable, with maximum loan amounts at $453,100 in most local markets, with even higher amounts available in the higher cost areas. Known for offering the most competitive rates on the market, securing a Birmingham Conventional Loan will guarantee you:

  • Access to purchases, rate and term refinances, and cash out refinances
  • Debt to income ratios up to 50%
  • Primary, secondary, or investment properties
  • Options with NO PMI
  • No large down payment
  • Same day pre-approval

And there’s more. Conventional Loans are convenient in nature, and can be used for condos, single family homes, and 1-4 unit properties. Flexible and attainable in nature, these loans can be yours with a credit score as low as 620. Even if that’s not your score, there is some wiggle room with Conventional Loans.

Birmingham Conventional Loans also come with first time home buyer programs with as little as 3% down payment, as well as options both with and without escrows or impounds.

The Home Loan Expert’s Birmingham Conventional Loan Options

We want you to have success in the Birmingham housing market. No one knows how to create a custom tailored Conventional Loan better than The Home Loan Expert.  In order to provide you with the right Conventional Loan, we move extremely fast, much faster than larger, international institutions. We process, underwrite, close, and fund all Conventional Loans, in-house, which is a service you can’t find anywhere else. Best of all, we close your loan in as little as 14 days with sensitive customer support available to you at all hours of day. We understand how frustrating the loan business can be, which is why we are extra careful to make sure this process is transparent and easy for you, one Conventional Loan at a time. Consider a Birmingham Conventional Loan today.

For more information, contact us today:

Ryan Kelley The Home Loan Expert
Birmingham Mortgage Company

See how much we can save you on your new Conventional Loan.

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



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

Saint Louis Mortgage Company

1600 South Brentwood Blvd, Suite 700 Brentwood, MO 63144

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