A Missouri Mortgage Company

It’s a great time to shop for a home in Missouri. Once again, Missouri ranks in the top ten cheapest states to acquire a home loan. The mortgages being offered to the general public are more than competitive, but if you are a veteran, first responder, or teacher, you may qualify for even lower rates.

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Buying a Home in Missouri

The real estate prices in the “Show Me State” continue to ascend due to the laws of supply and demand. Estimates show that housing prices have risen 16.2% from 2020. But don’t be disheartened. Even though the cost of homeownership in Missouri is on the rise, Missouri is ranked in the top ten states in the nation in affordability. 

According to Zillow, the median price for a home in Missouri is $206,274. Even though that is up 16.2% from the previous year, it is still much cheaper than many other places in the country. The median price for a home in Colorado is $522,000. The median home price in Washington state is almost $550,000. The point being is that 16.2% up from a price that was already very inexpensive shouldn’t put much of a hindrance in your way to owning a home. 

Refinancing in Missouri

There are a multitude of benefits to refinancing your home loan. Ridding yourself of PMI, lowering interest rates, consolidating debt, and funding home renovations are just some of the many reasons people choose to refinance their mortgages. 

After the 2008 housing market crash, many states implemented what are known as brick and mortar regulations. Meaning, it is a prerequisite that a mortgage lender has an actual physical location. Missouri is a brick and mortar state, so you will be able to speak to a mortgage broker face to face. 

Mortgage Calculator: Missouri

Mortgage calculators can help determine your mortgage payment and break down that payment into individual expenses such as taxes, insurance, and HOA fees. Calculate your monthly mortgage payment for a home in Missouri by inputting your loan term, home price, and down payment into the corresponding box on the mortgage calculator.

In addition to the mortgage calculator, we offer a loan comparison calculator, rent vs. buy calculator, and refinance calculator among others. Our goal is to provide clients with a full suite of tools so that they may make the most informed decision possible about their home loans. 

Best Mortgages in Missouri

ARM (adjustable rate mortgages), government-insured mortgages (FHA, VA, and USDA-backed mortgages), fixed-rate mortgages, and conventional mortgages are all available to Missouri residents through The Home Loan Expert. If you aren’t sure which of these or other available loans is best for you, then check out a full list of home loan options available to those in Missouri.

The Home Loan Expert

The Home Loan Expert offers Missouri residents the most competitive mortgage rates in the state. We serve Missourians in St. Louis, Kansas City, Jefferson City, Springfield, Columbia, Branson, and many others.

OUR MISSOURI STORY

From the Cardinals to the Tigers, from big-city Blues to small county fairs, we know Missouri like the back of our hand. After all, it’s our home base, and where our story began

When we started the company in 2015, Missouri was the only state we served. In the early days of The Home Loan Expert, founder and CEO Ryan Kelley had one simple goal: to help his neighbors get better home loans. Before we were a 200-person company with offices in 17 U.S. states, our business model consisted of Ryan Kelley driving all around Missouri to meet clients in their homes, sitting at hundreds of kitchen tables, and reviewing loans line by line. He certainly put a lot of miles on his car, but it was the right way to do business: with a personal touch and a smile. 

As a result, no one knows Missouri as we do. And we’re not just talking about loans: we’re also talking about getting involved in the community and giving back. We’re partnered with causes and charities all across this great state, including:

  • Friends of Kids with Cancer
  • Backstoppers
  • Make-A-Wish Foundation
  • Boy Scouts of America 
  • And so many more

Today, we’re proud to serve homeowners in St. Louis, Kansas City, Springfield, Columbia, Independence, Lee’s Summit, Joplin, St. Joseph, Blue Springs, Jefferson City, Cape Girardeau, Liberty, Rolla, and in every other city in Missouri.

So if you’re thinking about buying a Missouri home or refinancing your current one, call The Home Loan Expert office today. 

CONTACT US

Our Missouri office is located at:

1600 South Brentwood Blvd
Suite 700
Brentwood, MO, 63144

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