Lets Get Started

FHA Loans

Let’s face it – the housing market can be quite daunting for a renter, a first-time homebuyer, and a seasoned homeowner all the same. With so many factors that go into consideration when applying for a loan, it’s easy to fall into a pool of worry. The Home Loan Expert is here to ensure that when you are ready to purchase your home in St. Louis, you feel calm, cool, collected, and confident you made the right decision to take out an FHA Loan.

The Home Loan Expert is an FHA, directly endorsed and approved lender from the Department of Housing and Urban Development. Our extensive expertise and understanding of the St. Louis housing market is not something many lenders share. Let us walk you through the basics of the FHA Loan so you can decide if it’s the right choice for you. In fact, 1 in 5 homebuyers choose an FHA Loan to help finance their home.

With an FHA Loan:

  • Rates are typically lower than a Conventional Loan
  • You can use it to purchase a condo, a single-family home, or a 1-4 unit property
  • You will receive one month without a mortgage payment

In addition, you can cash out up to 85% of your home’s value and refinance up to 97.75% of your home’s value. With a debt-to-income ratio of up to 57%, it is easy to see why this is one of the more popular loans available to people in St. Louis.

What about my credit score?

What about it? For an FHA Loan, a credit score as low as 580 can still be approved. And if you’re skeptical about a large down payment, FHA Loans allow as little as 3.5% for an initial down payment. As one of the more flexible loans we offer, FHA Loans provide buyers and refinancers with a strong option.

Not all lenders can match the speed, service, and security The Home Loan Expert provides. With same day pre-approval and one point of contact from your pre-approval to the release of the loan, we can close your loan in as little as 14 days! Our team will endlessly work to walk you through the lending process to ensure we close your loan in a timely manner. Our face-to-face approach to customer service is just another way for us to make you feel calm, cool, collected, and confident. And don’t forget, not all lenders offer the same costs and interest rates on the same FHA Loan, so call The Home Loan Expert in St. Louis today!

For more information, contact us today!

Ryan Kelley The Home Loan Expert
St. Louis Mortgage Company
1600 South Brentwood Blvd, Suite 700
Brentwood, MO 63144
(314) 781-9700

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*