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HARP Loans

The Home Loan Expert of Chicago is here to tell you about a home refinancing program that is currently available for a limited time. Trust us, you do not want to miss out on this opportunity! The Home Affordable Refinance Program, or HARP, is designed for those who have experienced a recent dip in their credit score, large debt accumulations, or a sharp drop in home value requiring a quick and speedy refinance. Stop in and see The Home Loan Expert to get started!Our extensive expertise and understanding of Chicago’s housing market is not something many lenders share. When refinancing your home, it is imperative that the agent you’re working with understands the concerns that come along with such an undertaking. Let us walk you through the basics of the HARP so you can decide if it’s the right choice for you.

If you’re approved for a HARP, you can expect:

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

Most of our clients can be approved for a HARP without a home appraisal. Regardless, we will still work to get you the best rates we can to ensure the HARP works for you. One of the biggest advantages with this program is that you will not have to pay for private mortgage insurance (PMI). Trust us, we would not recommend this program if we did not believe in it! There is a reason why you chose the city of Chicago to plant your roots and raise your family, so lets make sure those roots grow deeper and stronger by helping you apply for your Home Affordable Refinance Program (HARP).

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, there will be less confusing paperwork and we will always contact you with daily progress reports.

This refinance-only program expires on December 31st, 2018. The Home Loan Expert urges you to jump on this offer while you can to ensure your refinance remains easy, painless, and stress free! Rest assured, our primary interest is ensuring your application is processed quickly and efficiently so that you can free yourself of worry and get back to living your life in the beautiful city of Chicago! Stop in to the Chicago office to talk with The Home Loan Expert about applying for the HARP.

For more information, contact us today!

Ryan Kelley The Home Loan Expert
Chicago Mortgage Company
1913 West Diversey Avenue
Chicago, IL 60614
(773) 770-4727

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



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Zero Down Payment Specialty Loan For
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"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?

Illinois HQ 1913 West Diversey Avenue Chicago, IL 60614

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