My wife Emily and I closed on on purchase with The Home Loan Expert team and could not say enough good things. We closed on time with no issues. The team was friendly and kept us in the loop the entire time.
We were the seller for a buyer that used this company. On the day of closing, several hours after the closing had already taken place, this company found some "problem" in the sales contract between us and our buyer who was the client of Ryan Kelley. Keep in mind Ryan Kelley had this contract for 3 months so any problem should have been discovered long before the date of closing. This company required that our buyer and us sign an amendment before they would disburse funds to finalize the transaction. The funds were not ultimately disbursed until 3:45 p.m. which was too late in the day for the funds to then come over to our purchase of our new home so that deal could be finalized and we could get the keys and move in. The delay and incompetence of Ryan Kelly cost me $1,150 in mover fees and a hotel bill. We finally were able to move the next day thanks only to the flexibility of our mover, otherwise it could have been as much as several days before we could reschedule the move. When I began to have conversations with people at Ryan Kelly, they continued to change their story (or were just outright lying) to blame the Title Company for the delay in disbursement of the funds. Finally, Ryan Kelley admitted that they made an error, but the fact that we were impacted to the tune of $1,150 was not their problem as they took care of "their client". What kind of company is this incompetent, costs people a significant amount of money, and then refuses to make the situation right. I am going to file a complaint with the state of Missouri regulators, and also make sure this company gets all the adverse publicity it deserves for treating people like this and basically not caring one bit.
Bernessa Davis was an AWESOME agent to work with. Now I feel like I am now set up for a better financial future and that my family is now secure. Thanks B!
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.
My wife Danielle and I bought a home in Kirkwood and closed in a couple of weeks. Rate at closing was less than my application!! They walked me through the whole process and made purchasing a home a very easy and enjoyable experience.
Ryan and his team helped me on my purchase and I couldn't have been happier. Completely seemless and fast transaction.