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Conventional Loan

Conventional Loans offer both fixed and adjustable rates up to a $453,100 loan amount in most markets and can be even higher in higher cost areas. Conventional loans have very competitive rates and offer terms from five to thirty years.

  • Can be used for purchases, rate and term refinances and cash out refinances
  • Cash out up to 80% of your home’s value
  • Debt to income ratios up to 50%
  • Can be used for primary, secondary or investment properties
  • Can be used for condos, single family homes and up to 1-4 unit properties
  • Conventional loans offer options with NO PMI even without a large down payment
  • Credit score down to 620 can be approved
  • Same day pre-approval
  • A month without mortgage payments
  • First time home buyer programs with as little as 3% down payments
  • Options both with and without escrows or impounds

We move extremely fast on these types of loans, something you won’t always find with big bank lenders or smaller credit unions. We process, underwrite, close and fund our loans in house. The Home Loan Expert works harder than anyone to secure you a Conventional Loan with the lowest rate and terms that fit your budget. We can close your Conventional loan in as little as 14 days with the best costumer service in the business. No one will take care of you like our staff. We truly make the process easy.

Call us today to see how much we can save you on your new Conventional Loan.

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?

Delivering First-Class Service in these States
We come to you!

Missouri HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144

Tennessee HQ

320 Seven Springs Way, Suite 250
Brentwood, TN 37027

Indiana HQ

3815 River Crossing Parkway, Suite 100
Indianapolis, IN 46240

Illinois HQ

1913 West Diversey Avenue
Chicago, IL 60614

Alabama HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144

Kentucky HQ

9850 Von Allmen Ct Ste 201
Louisville, Kentucky 40241

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