I contacted Ryan about refinancing my home loan in 2012. Not only did him and his team help me get my home refinanced into a lower rate than I had at the present time, they also allowed me to skip 2 mortgage payments and I paid NOTHING out of pocket to complete the refinance. The process was smooth and stress free and I started and completed the process in no time at all. At closing my new mortgage payment even came in $80 lower a month than the estimated payment Ryan gave me at the time I signed up. If I were looking to purchase or refinance a home there would be no one else I would go with because when you choose The Home Loan Expert, Ryan Kelley, from then on out you're not a client, you're family.
I did my new home purchase through Ryan Kelley and his team. They made it easy and pain free. They always told me to call them if I had any questions, so I took the liberty. They were always there to answer them even when I called after 5pm. I will defiantly use Ryan Kelley and his team for when I upgrade to a new house and suggest everyone do the same.
I enthusiastically recommend JoAnn Mattingly, Central Bank's VP, Residential Lending Officer at 425 N. New Ballas Place, Creve Coeur, MO 63141 She was creative, helpful and overall outstanding in her help to my wife and me in meeting our financial needs. You cannot do better than JoAnn to assist you with residential lending business.