The Home Loan Expert Story

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Ryan Kelley, The Home Loan Expert, hasn’t come out of nowhere to become the nation’s #2 FHA Lender and #9 nationally in closed loans. 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 largest Mortgage Bankers in the St Louis area. In 2008, while his wife Tracy was pregnant with their first child, Ryan made the decision to leave Shelter Mortgage and join the team at NewCastle Home Loans. He was confident that NewCastle could provide him the tools needed to offer his clients a better loan process. He was newly married, and with his first child on the way, they were nervous, but excited for the opportunity to start fresh with a new company.

Ryan started with NewCastle Home Loans in 2008 as a Loan Officer 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.  This has led to his status as The Home Loan Expert, the guy who knows how to get his clients the best rate for their home loan, whether they’re 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.   His drive and ambition led him to become an Owner/Partner with NewCastle in 2009. Over the next six years Ryan worked day and night building his business, his team and expanding into new markets.

In 2014, Ryan realized that if wanted to continue growing his business and improving the “Customer Experience” that he would need to control all aspects of his business. “We need to get the front of the house and the back of the house on the same page,” Ryan was recently quoted in a local interview. Ryan broke away from Newcastle and started one of the nation’s fastest-growing Mortgage Banks, The Home Loan Expert, LLC.

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 weekly, creating ways to improve and streamline their systems. These systems have led to some of the best and brightest to come work with Ryan. The new Loan Coordinator had spent the previous 12 years at one of the nation’s largest banks managing an entire department of underwriters and processors before joining his team. The Home Loan Experts Sr. DE Underwriter  has over 30 years experience underwriting residential mortgages and specializes in FHA and VA loans. She is a “Pillar” of knowledge. Another big difference in Ryan’s system is that he does not hire Loan Officers, he trains new ones. Young adults, a few years out of college, with business experience at the top of their field, get a full year of training under Ryan before becoming Loan Officers.

Over the past 11 years, Ryan has originated a STAGGERING 850 Million dollars in residential mortgage loans. The process and team that Ryan Kelley employs ensures that they won’t be beat on loans or rates, and has led to several awards.

** There are currently 750k licensed Loan Officers in the Nation

Ryan was born and raised in St. Louis, MO. He attended Kirkwood High School and St. Louis Community College. He currently splits his time between his St. Louis, Chicago, and Indianapolis offices, while remaining a St. Louis resident. He married his beautiful wife Tracy on May 10th, 2008, and they have two children together. Ryan is a huge sports fan, and is involved in several charities, including:

Friends of Kids With Cancer

Make A Wish

Isaac Bruce Foundation


The Boy Scouts of America

To learn more about Ryan and see what loan options he can offer you, call him directly or apply online.

Ryan Kelley NMLS #319181