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Debt Consolidation Loans

If you’re thinking of controlling your debt once and for all this year, know that it’s a definite possibility with the state of interest rates and mounting home value in the burgeoning market of Birmingham today. Before our interest rates are raised, take advantage of their historically low rates while you delve into the worth of your home to control and remediate your constricting debt. If you want equity in your Birmingham home that you can put to work, our team is ready to provide you with cash options moving forward today.

Birmingham Cash Out Refinance

Similar to a regular refinance, with a Cash Out Refinance, you’ll receive the cash back that you are looking for at the closing of the property. No more open promises that never quite seem to deliver. With this option, you’ll receive the cash you’re owed immediately, putting it to use to pay off high interest credit cards, HELOCS, student loans, personal loans, and any other debt you’re sitting on today. Once you get the cash, you can even invest it back into the home with home improvement, a new car, or a graduation party for your son or daughter. You’ll finally have options again.

Available with adjustable and fixed rates, our Birmingham Cash Out Refinance loans come with any term to appease your unique situation, ranging from 5 to 30-years.

Cash Out Refinance Debt Consolidation Benefits

The benefits are numerous when it comes to Cash Out Refinance loans. Some of the most notable include the ability to pay off high interest debt, cash availability for home projects, consolidated risky second mortgages or lines of credit, hundreds of thousands in savings every
month, competitive rates, and fast turn times. Plus, you’ll enjoy a month without mortgage payments, as well as the assurance of same day pre-approval.

The Home Loan Expert Birmingham Guarantee

Our team will ensure that total in-house underwriting is completed and submitted on your behalf, standing behind our 14-day or less securement of your Cash Out Refinance loan. This loan allows you to use the equity in your home as we make your new loan, providing you with options that will finally control your mounting debt. We get you the cash you are looking for, so you don’t have to worry about it. That’s our Home Loan Expert guarantee.

For more information, contact us today:

Ryan Kelley The Home Loan Expert
Birmingham Mortgage Company
Get started on your cash out loan by calling 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



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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