Our Story

Ryan Kelley, The Home Loan Expert, didn’t just show up as one of the nation’s top Mortgage Lenders by chance. Ryan built his business from the ground up starting in 2004 as a Loan Officer with Shelter Mortgage. With hard work and lots of referrals, Ryan was consistently their Top Producing Loan Officer and helped build the company to one of the larger Mortgage Bankers in the area. In 2008, Ryan made the decision to leave Shelter Mortgage and start building his dream, TheHomeLoanExpert.com. He was newly married to his wife Tracy and they had their first child on the way. He was confident that his vision, hard work, and customer-first approach would provide the platform needed to offer his clients a better loan process. While they were a bit nervous for such a big transition, Ryan was excited to get the business up and running. This was a great opportunity to start fresh.

With only his vision and zero capital to open an office, Ryan started as a Loan Office working out of his basement. From there he began knocking on doors and selling himself and his vision for the future of the home loan business. His drive and ambition led him to become known around town as The Home Loan Expert, the guy who knows how to get his clients the best rate for their home loan. He was helping first time home buyers looking for a home purchase, refinancing their loan, considering a debt consolidation, or looking for an FHA, HARP, USDA, VA, or Jumbo Loan. As referrals poured in and word spread, the demand for mortgages from The Home Loan Expert became overwhelming. Ryan began creating a team from the bottom-up. Ryan didn’t want to bring in “the typical old school mortgage team” with ingrained ideas or bad habits, or stuck in “the old way” of doing things. He wanted new blood to conquer the industry and he wanted to do it his way.

Ryan has developed his own system to originate a loan from start to finish. The refinance and home purchase process is always in a constant state of improvement. Ryan sits down with his team several times a week creating ways to improve and streamline the system. Ryan hires only the best. His employees go through extensive training to ensure clients receive the best experience possible. Another big difference in Ryan’s system is that he does not hire Loan Officers, he trains new ones. He hires young adults, with passion and drive to improve themselves, the community and the company. They also get a full year of training under Ryan before becoming Loan Officers. Our Loan Coordinators, Underwriting Department, Closing Departments have well over 1000 years of combined experience in the mortgage industry. Learning the good and bad from their previous big bank institutions combined with Ryan Kelley and his training process, and The Home Loan Expert team has set the new standard for a streamlined loan process without all the headaches and hassles while providing top tier customer service.

Ryan and his beautiful wife Tracy have three children together. Ryan has grown TheHomeLoanExpert.com into multiple states and is the process of taking the company nationwide. Ryan is passionate about sports and loves talking on the radio with the on-air staff and being on TV during the games. Having created enormous growth in his company, Ryan finds happiness in being a job creator while offering a product that saves people thousands of dollars. Fulfilling his American dream, Ryan went from working out of his basement without a guaranteed paycheck to owning and operating one of the nation’s most successful companies. Though most people would be content with that success, Ryan felt there was more to life than just a successful business or strong bottom line. His larger than life personality pushes him out of his comfort zone to raise awareness and money for important charities. He goes beyond just donating his money. He pushes his mental and physical limits to understand the difficulties others endure, all while raising awareness for so many organizations. He has climbed multiple mountains, marched miles through the desert in the Bataan Memorial Death March, pedaled 50 miles on a bike and even took a punch in the face in a professional boxing match. His greatest reward and passion is giving back and making the community a better place.

Over the past 15 years, Ryan has originated billions of dollars in residential mortgage loans. The process and staff that Ryan Kelley employs ensures that they won’t be beaten on loans or rates and has led to several prestigious awards including several years as one of the Top Producing Loan Officers in the Nation.

Some of our close Charitable Partners:

  • SSM Health Cardinal Glennon Hospital
  • Friends of Kids with Cancer
  • Backstoppers
  • Make A Wish
  • Isaac Bruce Foundation
  • The Boy Scouts of America

For more information please contact us at info@thehomeloanexpert.com

One of the fastest growing

Lending platforms in the nation