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Cash Out Refinance

You hear us say right now is the best time for a cash out refinance. Why? Interest rates are still very low and home values continue to rise. You likely have equity in your house that you can put to work. A Cash Out Refinance is just like a regular refinance except you receive the cash back you are looking for at closing. Use this cash to pay off those high interest credit cards, risky home equity lines of credit, student loans, personal loans or any other debt. You can also use the money for home improvements, a new car, your daughter’s wedding or a dream a vacation. These loans offer a variety of adjustable and fixed-rates along with any term you like from 5-30 years. What are the benefits?

  • Cash out to pay off high interest debt
  • Cash back for home improvements
  • Consolidate risky second mortgages or lines of credit
  • Potentially save hundreds or even thousands of dollars per month
  • Competitive rates
  • Fast turn times
  • A month without mortgage payments
  • Same day pre-approval
  • In-house underwriting

These loans allow you to use the equity in your home as we structure your new loan. It’s debt consolidation made easy. We’ll help you lower your debt, decrease your monthly payment, and lighten the amount of stress in your life. We can close your cash out refinance in as little as 14 days and get you the cash you are looking for. No one will take care of you like our staff. We will make the process easy from start to finish.

Get started on your cash out loan by calling us today!

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

CONVENTIONAL

CONVENTIONAL

Best Loan Conditions for ideal
Situations

DEBT CONSOLIDATION

DEBT CONSOLIDATION

Pay Off High Interest
Debt

FHA

FHA

Flexible Loan Qualification Guidelines
With Attractive Rates

JUMBO

JUMBO

High Value Special
Loans

VA THE HERO LOAN

VA THE HERO LOAN

Zero Down Payment Specialty Loan For
Veterans and active Military

HARP

HARP

Refinance Without An
Appraisal

"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?

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

Missouri HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144
314-781-9700

Tennessee HQ

320 Seven Springs Way, Suite 250
Brentwood, TN 37027
615-810-8555

Indiana HQ

3815 River Crossing Parkway, Suite 100
Indianapolis, IN 46240
317-550-1515

Illinois HQ

1913 West Diversey Avenue
Chicago, IL 60614
773-770-4727

Alabama HQ

1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144
205-721-7656

Kentuckey

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