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Our VA Home Loan program makes it easy for Veterans and military families to get the home loans they deserve.
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Meet Ryan Kelley


It all started in 2009 when our founder Ryan Kelley was working for a soulless corporate mortgage company and closing loans from a cubicle, and he had a realization: what he should be doing was closing loans at his clients’ kitchen table and shaking their hands. Closing home loans shouldn’t be treated like any other transaction—after all, buying a home is often the most important purchase of people’s lives.

Ryan saw that mortgage loans had become the most stressful and least human part of homebuying—but it didn’t have to be this way. So he began knocking on doors in St. Louis and helping his neighbors receive the best rates for their home loans, offering them the guidance and personal touch he wished he’d gotten.

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Giving back to
those who've

We’re proud to support Fisher House and more than 300,000 military and Veterans’ families they have served. We are always looking for opportunities to give back to those who’ve given us so much.

Hero Loan


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Contact Us

Email Me

(314) 781-9700

Ryan Kelley
Senior Loan Officer | NMLS# 132641

1600 S Brentwood Blvd
St. Louis, MO 63144

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The Home Loan Expert, LLC and The Home Loan Expert, LLC. D/B/A Hero.Loan NMLS# 1326241. © 2023. All rights reserved. A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. 1600 S Brentwood Blvd., Suite #700, St. Louis, MO 63144. United States. (844) 996-5059