Talk to a Human for Your Mortgage

Large Mansion For Sale
Getting Bigger – Finding More House For Your Mortgage Money
August 19, 2016
What to Ask Your Mortgage Company
August 24, 2016

Home In The WinterWhen you’re buying a home, do you want to just fill out a form and get a cookie-cutter response, or do you want to talk to an expert, who can help guide you through the mortgage process and build you a custom mortgage?

Of course it’s a person.  No online mortgage platform, no matter how advanced, can simulate the knowledge and experience of a live Loan Officer when it comes to getting your mortgage.  That’s why The Home Loan Expert team talks face-to-face with EVERY client.  We want you to know that you’re talking to an experienced professional that will get you the lowest rate on your mortgage.

If you can’t get to us?  We’ll come to you.  We stay open late on weekdays and are open Saturdays to make sure that we can meet with you in person, because not everyone can meet during banker’s hours.

While we’re a mortgage bank, we don’t believe in banker’s hours.

A mortgage is not like any other purchase.  There is a marked difference between buying a home and buying an iPad.  It’s not just in the money, either.  It’s the twists and turns of buying a mortgage that you just can’t anticipate.  That’s what you need to sit down with an Expert for.  Filling out a form online is one thing, where you volunteer all of your personal information to a company that hopefully can handle the data.  It’s hitting that final step without the consultation of a mortgage professional that worries me.  Do they have YOUR best interest in mind?  Will the program think outside the box and find the best loan for you, no matter what the algorithm recommends?  Will they tell you that you’d be better off with an FHA Loan, or are you supposed to know that?  Will they explain VA Loans or USDA Loans to help you out?

We just like to get in front of people, and get to know them.  We do more mortgages than anyone else in the Midwest, but that just means that we do the turnaround faster.  We’re better at getting your loan closed than anyone else.  We never skimp on the face-time to get to the next mortgage.  Every mortgage that comes to us, that TRUSTS US to help them with the most important purchase of their lives is our most important client.

Get Started

Mortgage rates are at historic lows, right now.  This is the most opportune time for you to get a refinance or buy a new home.  Don’t waste it by signing up for a loan through an algorithm.  If you still have questions, check out our mortgage F.A.Q. or Glossary to help answer them, or ask us in the comments here or on Twitter.  Take advantage of lower mortgage rates to refinance and save money. Call us in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515 and Nashville at (615) 810-8555.  You can always apply online at, and we’re also open on Saturdays to better serve you. Don’t forget to follow @TheHomeLoanEx on Twitter for breaking mortgage news and knowledge.  Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?