Looking For the Lowest Interest Rate On Your Mortgage?

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Refinancing Your HomeLooking for the lowest interest rate?

We know, it can be a confusing process. Lots of different lenders will be bombarding the airwaves with rates and promises. Unfortunately, they don’t always come through. You’ll hear lenders talk about rates that only people with perfect credit looking for a 15-year loan will get. Trust me, we get a lot of calls from people coming from competitors who have said a rate on the radio, then given them a different one when they get them in the office when they apply for a refinance or new home purchase.

Finding the best interest rate on a mortgage can be tough, if you don’t know where to start. Start out by doing your research. Find out what the loan types, (FHA, HARP, USDA, VA or Jumbo) are so that you can ask your loan officer informed questions and find out what type of loan is best for you. It can be a lot of work, but you can really save a lot of money if you do your homework and find the exact right time to refinance or buy your new home.

We want to make it easy.

The Home Loan Expert team will come to you any time, any place to discuss your mortgage options with you. We want to make sure that you’re happy and pay the least amount every month on your loan. We close more loans than anybody in the Midwest, so we know what we’re talking about. We want to get you the lowest rate on the best loan.  Plus, take a couple of months off from your payments after a refinance!

If you are ready to get serious right now, here’s a list of what to have with you when you call.

Paycheck Stubs

  • W-2
  • Bank Documents
  • Investment Documents
  • Tax Documents
  • Profit Statements (Only if self-employed)
  • Proof of income from rental properties
  • Proof that a gift is not a loan
  • 12 months of canceled rent checks and bank statements
  • Divorce decree
  • Proof of age of children in child support is involved
  • Bankruptcy discharge paperwork

If you have this stuff ready, we can close your loan quickly. We know that you want to get going on the process, and we will get it done quickly.

Get Started

So call us today. Take advantage of lower mortgage rates to buy your first home. Call us in St. Louis at (314) 781-9700, Chicago at (773) 770-6438, Indianapolis at (317) 550-1515 or Nashville at (615) 810-8555.

You can always apply online at www.thehomeloanexpert.com, and we’re also open on Saturdays to better serve you. Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?