Rate and Term Refinance

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Rate and Term Refinance

Is this a good time to be looking at a refinance? The easy answer is, Yes. There are so many reasons to refinance that I can argue that the majority of home owners can truly benefit. There is no one in town to make the process easier than The Home Loan Expert Team. We built our business on customer service and helping our borrowers find the loan that best fits their needs. Maybe you are looking to save money or lower your rate. Maybe you want to pay your house off sooner or consolidate that second mortgage before it becomes a problem. Maybe its time to get rid of that PMI once and for all. Or, maybe you just want the peace of mind of knowing that you have the best loan option available. Let The Home Loan Expert Team look at your situation and help make the best decision for you and your family. Why use The Home Loan Expert for your refinance?

  • Loan options the day you call in
  • We offer FHA, Conventional, VA, USDA and Jumbo Loans
  • Competitive rates
  • We offer fixed and adjustable rates
  • Options for 2 months without a payment
  • Options without PMI
  • Lender credits available for closing costs
  • We offer options with and without an appraisal
  • In house underwriting and credit decisions
  • Fast turn times
  • Top Notch Customer service
  • A+ with the BBB

Why is right now a good time to refinance? Rates are still very low and home values continue to rise. What does that mean to you? You have options. Lower your payment and start saving some money. Lower your rate and go a few months without a payment. Get rid of the PMI. Pull some cash out for debt consolidations. Get rid of your second mortgage. Shorten your loan term so you can pay the house off once and for all. You never know what options are available until you ask. It’s time to let The Home Loan Expert review your situation and look at what options would best fit your needs.

Give us a call today to get that process started.

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