Home loans and refinancing, made personal.
Real experts. Honest answers. A clear path forward.
From your first question to closing day, we’ll be by your side with honest answers, expert guidance, and a team that genuinely cares.
Meet a different kind of mortgage experienceMore than $5 billion in home loans funded. Thousands of families helped. And one belief that hasn’t changed: behind every mortgage is a person, a family, and a story that matters.
HOME LOAN OPTIONS
Compare financing for the home you want, plan your cash to close, and understand the steps between an offer and your next front door.
Explore my purchase options
Homeownership could be closer than you think. Some VA and USDA programs offer as little as 0% down for eligible buyers.
Eligibility, property, and program requirements apply. Closing costs, prepaid expenses, and applicable program fees may still be due. All loans are subject to approval.
A little clarity goes a long way.
Explore an estimate, then let’s talk about
what works for you.
Illustrative inputs only, including the rate. This is not a live rate, loan offer, approval, or Loan Estimate. Taxes, insurance, and mortgage insurance vary. PMI is a simplified conventional-loan estimate; program-specific fees are not modeled.
Please enter valid amounts to see your estimate.
YOUR ESTIMATED MONTHLY PAYMENT
Estimated loan amount $332,500
A starting point for a conversation.
Your actual payment and terms may differ.
A mortgage is a big decision.
You deserve people who treat it that way.
We explain your options, answer your questions, and keep you in the loop. You should always know what comes next.
First home, self-employed, or a more complicated situation? We take the time to understand the whole picture.
Decades of experience help us keep your loan moving. Eligible loans can close in as little as 14 days with complete documentation and timely underwriting, appraisal, and title work. Timing varies and isn’t guaranteed.
RYAN KELLEY / FOUNDERThe Home Loan Expert began with Ryan Kelley knocking on doors and earning trust one family at a time.
More than $5 billion in funded home loans later, that same belief remains: put people first, and everything else follows.
This is our storyReal words from our customer archive.
Real reasons we do this.
They truly made one of the most stressful situations less taxing, and I am beyond grateful to have had the pleasure to work with them.
He reached out frequently with updates which kept the process moving along quickly. I felt like we were his top priority from start to finish!
Great lending is what we do. Giving back is part of who we are.
Through the Keep Climbing Foundation and years of community involvement, we’ve helped make a difference for children and families who need it most.
No jargon. No pressure.
Just a clearer place to start.
Start with a monthly housing budget and the cash you can comfortably put toward a down payment, closing costs, and reserves. Gather recent income and account records for a preapproval review. See what to prepare for preapproval, then choose your property’s state when you’re ready to apply.
You don’t always need 20% down. Eligible buyers may have VA or USDA options with as little as 0% down. Program, property, and borrower requirements apply, and closing costs and other upfront expenses may still be due. A smaller down payment can preserve savings but may add mortgage insurance and increase the amount borrowed. Budget for closing costs separately. Compare the down-payment tradeoffs.
Irregular income, self-employment, or a change in your finances calls for a closer look at the documents. Standard loan programs may still be an option; some situations may call for a different approach to income documentation. Credit, debts, assets, and the property also matter. Explore self-employed financing considerations. Approval depends on the completed review.
Compare the proposed loan with your current balance, rate, remaining term, and closing costs. A lower payment from a longer term can mean more interest over time. If your goal is monthly savings, consider how long it will take to recover the costs and how long you expect to keep the loan. Work through a refinance cost comparison.
Whether you’re ready to move or just exploring your options, we’re here to help.
Or call an expert: 800-991-6494