Our Mission

The Home Loan Expert was founded with a bold vision: to transform the mortgage experience by prioritizing people and community. We aim to become the premier—and most human—mortgage brand in the country. Through teamwork, commitment, and action, we work tirelessly for our customers and the communities we serve, ensuring a positive and empowering journey toward homeownership.

Our Story

In 2009, our founder Ryan Kelley was working for a corporate mortgage company, closing loans from a cubicle. He realized that the home loan process should be a personal experience, not just another transaction. Buying a home is often the most significant purchase in people’s lives, and it deserves a more human touch.

Determined to make a difference, Ryan left the corporate world to start The Home Loan Expert. He began by knocking on doors in St. Louis, meeting clients at their kitchen tables, and providing the guidance and personal attention he wished he’d received. His approach made the mortgage process less stressful and more human.

Word of Ryan’s unique approach spread quickly, leading to an influx of referrals. As demand grew, he made his first hire, then another, and then built an entire team. The Home Loan Expert rapidly expanded, becoming synonymous with securing the best rates and delivering exceptional customer service.

Today, our brand is built on the same principles that Ryan started with: personalized service, transparent communication, and a commitment to putting people first. We’ve helped countless families achieve their dream of homeownership, and our dedication to excellence continues to drive everything we do.

At The Home Loan Expert, we believe that securing a home loan should be a memorable and positive experience. We are dedicated to guiding you through every step of the process with expertise, compassion, and unwavering support.


Get Minute Loan Approval*

We offer same-day pre-approvals you can rely on. Find out your personalized rate in no time with our 5-minute loan application.