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Refinance Loans

Cash out Refinance

  • Get Cash To Make Home Improvements, Pay Off Credit Cards or Consolidate Other Debts

Rate & Term Refinance

  • Lower Your Interest Rate and Monthly Payment or Shorten The Length Of Your Loan

To some it may seem basic, but it is a very common question. Simply put, a Refinance is redoing your loan. In terms of your first mortgage, you are looking to retool your loan for any number of reasons. We pay off your current loan and give you a brand-new loan. Your new loan can be another 30 year loan or you can decide to do a shorter term. People call us every day to look at their current mortgage and see if there is anything we can do to improve their situation. Our first question is, what is your goal?

  • Are you looking to lower your rate?
  • Would you like to shorten your loan term?
  • Are you looking for a lower payment?
  • Are you looking to consolidate debt?
  • Are you looking to pull cash out?
  • Do you have a second mortgage that you would like to combine with your first mortgage?
  • Are you looking to get out of an adjustable rate and into a fixed rate?
  • Do you need to get someone off of your current loan?

Everyone with a mortgage loan can benefit from calling us today for a free mortgage analysis. Worst case scenario, you will end up with the peace of mind of knowing that you have a great loan. Whether or not we can close your loan, it will cost you nothing out of pocket. If there is something that can be done to improve your loan, TheHomeLoanExpert.com is the place to do it.

After we discuss your current situation, we will go over your short and long-term goals. From there, we will present you with the best available loan options. If you decide it is a good option for you and your family, we will set up an appointment to go over everything with you line by line. We will meet you at any of our offices spread across the country or we will come right to you. Our customer service has always set us apart from the competition.

No other lender will make this loan process as easy as we will. We process and underwrite all of our refinance loans and we get them closed in a fraction of the time it takes the other guys!

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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