Saint Louis Mortgage Company

Lets Get Started was born in St. Louis in the basement of our President and Founder, Ryan Kelley. St. Louis is a part of and the is a part of St.Louis…Just like Cardinal baseball and Ted Drewes. Our headquarters is right at I-170 and Highway 40 off of Brentwood Blvd. Look for our building when you are in the area. You will see our name in bright lights on the top. Ryan Stated closing loans in the St. Louis is 15 years ago. He started going door to door asking for people’s business and offering the personalized loan options with customer service that our industry has never seen. Though our door to door advertising has transitioned into multimedia radio, TV, social media and internet marketing campaigns, we never lost our customer service approach. We are not like any other mortgage company you have ever worked with. We care. We listen and present a customized loan program that works best for our borrowers. We close loans quickly and do it without all the headaches and hassles typically associated with closing a loan. We also know that it is more than just home loans. It’s about giving back. The Home Loan Expert Team is proud to partner with some many wonderful charities in St. Louis… From Friends of Kids with Cancer, Backstoppers, Isaac Bruce Foundation, Catherine Cares and so many more.

If you are looking to purchase or refinance a home in St. Louis, there is only one lender to call, The Home Loan Expert.

  • We come see you where you can sit down and go over options.
  • We are here 7 days a week, 7 a.m. to 10 p.m.
  • We created the Hero Loan, a VA loan program made to give our service members and veterans the service they deserve.
  • We are the top customer service company in the industry.
  • We give back to the community, raising or donating directly over $100,000 in our communities last year alone, and we’re just getting started.
  • We are a direct-endorsed FHA lender, meaning that we get FHA loans approved in-house, saving you time.
  • Same Day Preapprovals.
  • Loans closed in as little as 30 days.

If St. Louis residents want a refinance or to purchase a new home, you will get the best deal and the highest quality service on FHA, HARP, VA, USDA, Jumbo, and Conventional loans.

We also offer incredible service and fast turnaround on debt consolidation loans, to pay off credit card debt or make home improvements. You can refinance to reduce your monthly payment, or to shorten the term of your loan, or to get rid of PMI. When interest rates are incredibly low, you can do all three at the same time!

So if you are even thinking about buying a home or refinancing your current one, call The Home Loan Expert office today. We service homeowners in St. Louis, St. Charles, O’Fallon, St. Peters, Florissant, Chesterfield, Wentzville, Wildwood, University City, Ballwin, Kirkwood, Maryland Heights, Hazelwood, Arnold, Ferguson, and every city and town in St. Louis that needs a new mortgage.

Our St. Louis office is located at:
1600 South Brentwood Blvd
Suite 700
Brentwood, MO, 63144
Or you can always call (314) 781-9700 or apply online at

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?

1600 South Brentwood Blvd, Suite 700 Brentwood, MO 63144

First Name*

Last Name


Your Email*