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HARP Loans

Nashville, Tennessee is one of the most desired locations in the southern United States to plant roots and raise a family. The real estate market is booming, houses are selling, and the city is growing. The Home Loan Expert in Nashville has developed a deep understanding and an extensive expertise of the Nashville housing market that is unmatched by other local lenders. We understand the concerns that come with purchasing a house and that sometimes, unforeseen circumstances can put you underwater with your mortgage payments.

The Home Loan Expert currently offers a program to help you get your head back above water and continue to float on forever.The Home Affordable Refinance Program, or HARP as we call it, is a program designed to provide a cost-effective option for those looking to refinance. The HARP is only available until December 31st, 2018 so act fast! Let us walk you through the basics of the HARP so you can decide if it’s the right choice for you.

If you’re approved for a HARP, you can expect:

  • Competitive rates
  • Bankruptcy and foreclosure forgiveness
  • A month without mortgage payments
  • Options with no private mortgage insurance (PMI)
  • Approved without a home appraisal, with most cases
  • Less paperwork
  • In House underwriting

What about my credit score?

One of the biggest advantages of the HARP is that we can still approve you with a damaged credit score. The underwriting guidelines for credit and income are more relaxed so that we can accommodate every one of our clients to the best of our ability. Trust us, we would not recommend this program if we didn’t believe in it!

The Home Loan Expert can guarantee a quick turn around time with a speedy application process to keep you aware and confident in our services. We provide one-on-one customer service where our agents meet face to face with you, instead of over the phone. When applying for a HARP, we will always contact you with daily progress reports. More importantly, we’ll provide you with one point of contact throughout your entire application process from the time you inquire to your approval. We want your experience to feel personal, because with refinancing, it is personal.

Remember, the HARP is only available until December 31st, 2018. We urge you to come to our Nashville office as soon as possible and speak to The Home Loan Expert about this affordable refinancing option to help you feel comfortable in your own home again.

For more information, contact us today!

Ryan Kelley The Home Loan Expert
Nashville Mortgage Company
320 Seven Springs Way, Suite 250
Brentwood, TN 37027
(615) 810-8555

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?

320 Seven Springs Way, Suite 250 Brentwood, TN 37027

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