St Louis USDA Loans

While we work in St. Louis, we work in the rural and agricultural markets of Missouri as well, and we know that the best way for our rural borrowers to purchase or refinance a home in a rural area is to get a USDA (United States Department of Agriculture) Rural Development Loan at the best rates we can offer. USDA Loans are a terrific loan program for people in small towns and rural communities. This loan doesn’t require a down payment at all, and has low, fixed rates. Getting a St. Louis USDA Loan through The Home Loan Expert is easy, we help you with all applications and are with you every step of the way, whether you’re an experienced home buyer or trying to get your first home. Contact us today for a USDA Rural Development Loan in St. Louis. No one makes it easier.

Whether you’re looking to purchase a new home or refinance one in St. Louis, St. Charles, Clayton, Ladue, Wentzville, O’Fallon, Creve Coeur, Kirkwood, Maryland Heights, Richmond Heights, Fenton, Ellisville, or across the river in Illinois, in Edwardsville, Collinsville, Glen Carbon, Fairview Heights, O’Fallon, Swansea, Alton, or Belleville, Troy, or anywhere in St. Louis and the surrounding areas, give us a call or apply online at

Ryan Kelley
The Home Loan Expert
(314) 781-9700

Come in and speak to us at
1600 S Brentwood Blvd 
Suite 700
St. Louis, MO 63144

Apply Online Now!

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Doing The Right Thing One Loan At A Time

Depending on your situation, one type of loan may make it easier for you to qualify while another may offer a better rate and terms. The most important thing when working with a lender is having an expert on your side who knows all the angles of the mortgage industry, The Home Loan Expert is that reliable choice.

A Refinance Loan That Uses
Your Home’s Equity to Pay Off
High Interest Rate Debts.

Specialty Refinance Loans That
Let You Borrow More Than
Your Home’s Value.

Loans Which Usually Have The
Best Rates and Terms But May
Have More Stringent Qualifications.

Loans That Let Your Borrow Nearly
100% Of Your Home’s Value
(Purchase or Refinance)

High Dollar Loans Which
Exceed $416,000 or Have
Special Qualification Needs

Exclusive Loans For
America’s Military Members
(Retired or Active)

The Home Loan Expert, LLC, Company NMLS #1326241
HUD Approved Lender 00341-0000-1. Regulated by the U.S. Department of Housing and Urban Development, 451 7th Street S.W., Washington, DC 20410, (202) 708-1112
Missouri Residential Mortgage Loan Broker License Numbers #15-2243.  Illinois Residential Mortgage Licensee MB.6761130. Regulated by the Illinois Division of Banking, 122 S. Michigan Avenue, #1900, Chicago, IL 60601, 312-793-3000