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Your mortgage is likely the biggest check that you write every month. Shouldn’t you try to make it as low as possible? With today’s low mortgage rates, the time to refinance to a lower mortgage payment is now. Rates are at historically low rates, but they may not stay that way for too much longer. As the economy recovers, the federal reserve usually chooses to raise the interest rates. This WILL cost you money if you delay too long.

What are the reasons to refinance? You can lower your monthly payment, take some cash out, or shorten the term of your home loan. If you have credit cards or other high interest debt, you can fold those into your loan and pay them off at the lower interest rates. If your interest rate is not in the 3’s, you need to call us TODAY to make sure that you can get the lowest possible rates. There are several loan programs to help you make the most of your mortgage.

The cash out refinance lets you use the equity in your home to refinance, giving you cash in hand to use as you see fit. You can use it to do repairs around the house, add new features to your home, or just put it away for a rainy day.

A Rate and Term refinance is designed to shorten the length of your mortgage. The lower rates let you lower your mortgage term from 30 years to a 20 year or even a 15, sometimes without even changing your monthly payment!

The Home Loan Expert, Ryan Kelley, wants to get the best loan at the lowest rate for everybody. No matter what your goals are, there is a loan for you. There are also perks to signing with The Home Loan Expert. Ryan Kelley lets you skip a couple of payments with a refinance, and there is never any application fees.

Call The Home Loan Expert, Ryan Kelley at 314-781-9700 or visit to apply online today. Nobody makes it easier to refinance or purchase a new home than The Home Loan Expert, Ryan Kelley.