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.
DO NOT USE.......BUYERS OR SELLERSWe entered in a sell agreement with a buyers for the purchase of our house on May 30th 2013. NASB issued a preapproval letter to the buyers for the amount of $267K and our mutual contract was $253K. Based on the preapproval letter they received from NASB we felt confident that we were entering into this contract with a buyer who could financially make it to close. In fact our realtor, Kenny, spoke directly to Nick Weeks of NASB approximately 2 weeks ago to get a status on the loan process and he told Kenny he had all of the required documents and everything looked in order. The buyers had their home inspection conducted June 10th, 2013 and the appraisal conducted July 10th, 2013, with the expected close to be July 31st, 2013As a result of the inspections we performed the requested repairs which totaled $4000, again based on the assurance and confidence that all loan issues were in order. Today, July 11th, 2013, NASB determined that the debt to income ratio and resulting credit score were not sufficient to complete the loan. We were informed by our agent that our deal was off, we have no recourse and we have no explanation. Our house has now been off the market for over 6 weeks based on NASB’s issuance of an inaccurate qualification letter. The interest rate climate has changed considerably and the considerable interest we had in our house as a new listing in late spring is now passed. The only conclusion to be drawn is that NASB did not do their due diligence initially and multiple parties acted in good faith due to their negligence. We have been financially harmed by their lack of vetting and reckless actions and may not be able to recoup. In addition to the approximately $4000 to fix the repairs, we will now have to enter into this market again, with buyers applying for higher interest rates, will be incurring additional cost and cannot claim the earnest money. We have done all we have been asked to do, have documentation of all our required steps and are entitled to equal disclosure and due diligence in return. We hold NASB responsible for the transaction being terminated and hold them responsible for the costs we incurred due to their lack of accuracy and lack of due diligence. We expect NASB to reimburse us for the costs we incurred due to their neglect.
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!
The Clayton branch of Central Bank is in turmoil, with experienced persons leaving, and newbee employees un- familiar with customers. I called to speak to my personal banker, and received a recorded message... "the person you are trying to reach does not have a valid voice mail on our system"! And...the unreachable person was taking over management of another branch!?
Week Three of no ATM or Drive Thru. They still charge full service prices, you just can't get service.
They have been pretty good to me.
U.S. bank will lie to you. They have no intention but to take as much of your money as possible. You're literally better off dumping all your money in a parking lot, and then trying to get it back before it blows away. Don't use them.
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.