Lets Get Started

Kentucky The Home Loan Expert Team’s new market and we couldn’t be more excited.  When we wanted to expand (again!) we looked at our borders on the states that we have had so much success in and since Kentucky borders Missouri, Illinois, Tennessee, and Indiana where we are experiencing a ton of success, we wanted to expand there to service the Bluegrass State. Since we have built such great rapport with the SEC, Kentucky seemed so natural. When we sat down to do our research on the Kentucky Mortgage market, we realized quickly that there just weren’t enough top mortgage companies to help all of the people of the Commonwealth, and we were excited to step in and fill the void. 

As huge college basketball fans, we know that the Louisville/Kentucky rivalry is one that can get heated, but we try to keep the arguments in our office as civil as we can.  One thing that we have noticed about Kentucky is just how polite everyone is here, even when arguing hoops. We have been able to turn almost every loan into a referral, and that says a lot about the values and kindness of the people of Kentucky. As we always say, there is no better compliment than a referral. No lender in Kentucky will make the loan process as easy as we will. We close purchase and refinance loans from Louisville to Lexington, to Frankfort and Paducah and we would love an opportunity to earn your business. We will come right to your home or office for the loan application and closing.

If you are looking to purchase or refinance a home in Kentucky, there is only one lender to call, The Home Loan Expert.

  • We’ll come to you at your home or office for your mortgage
  • Talk to a real person and not an answering service, 7 days a week from 7 a.m. to 10 p.m
  • Servicemembers love the Hero Loan, our new VA product that’s saving them time and money
  • Our customer service brings clients back
  • We give back more every year, over $100,000 last year alone to local charities
  • Save time by using a direct-endorsed FHA lender like us
  • Don’t wait for an approval, we get back the same day you call
  • Close your mortgage in 30 days

If Kentucky residents want a refinance or to purchase a new home, you will get the best deal and the highest quality service on FHA, HARP, VA, USDA, Jumbo, and Conventional loans.

We also offer incredible service and fast turnaround on debt consolidation loans, to pay off credit card debt or make home improvements. You can refinance to reduce your monthly payment, or to shorten the term of your loan, or to get rid of PMI. When interest rates are incredibly low, you can do all three at the same time!

So, if you are even thinking about buying a home or refinancing your current one in Kentucky, call The Home Loan Expert office today. We service every homeowner in the Bluegrass State, including Lexington, Louisville, Paducah, Owensville, Pikeville, Ashland, or any other city in Kentucky. We are proud to sit down with each applicant in person and discuss your mortgage face-to-face, from the Wildcat Country to Cardinal territory and everywhere in-between.

Call our Kentucky office at (800) 991-6494 every day of the week including Saturday and Sunday from 7 a.m. to 10 p.m. or apply online anytime at

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



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

real testimonials. real clients. real results.
why would you go anywhere else?

First Name*

Last Name


Your Email*

Contact our Kentucky HQ

  • 9850 Von Allmen Ct Ste 201, Louisville, Kentucky 40241
  • 800-991-6494