The Home Loan Expert - Ryan Kelley

The Home Loan Expert - Ryan Kelley offers lower mortgage rates on better home loans and is the #1 mortgage lender in Tennessee. No other mortgage company, bank or broker can offer you the same combination of speed, efficiency and customer service that The Home Loan Expert can provide.

With 10 years of experience in the mortgage business, The Home Loan Expert – Ryan Kelley underwrites mortgages in-house and makes our own credit decisions, giving homeowners unprecedented speed in their mortgage application process.  As a Mortgage Bank ,not a broker, we have the power to get your loan closed quickly, in-house.  We provide pre-approvals the day you contact us and can close loans in as little as 14 days.
The Home Loan Expert – Ryan Kelley started this business 10 years ago, knocking on doors and helping people save money with refinances, and he brings that same face-to-face, we come to you work ethic to each mortgage applicant.  If you can’t meet us at our offices, we’ll come to meet you at your home, work, or wherever you’d like to meet to go over your options and hep you get the loan that you want and deserve.  


The Home Loan Expert – Ryan Kelley has many specialty loan products as well.  While we make our own credit decisions on Conventional, FHA and HARP loans, we also are delegated by the VA to close our own loans, and the Hero Loan is the fastest-growing loan product in the country.  We close VA loans in 14 days, we pay for your appraisals, and help you fill out all of the VA paperwork.  The Hero Loan is the only way to VA, and has helped hundreds of veterans and their families buy a home.

Another specialty loan product is the Bank Statement Mortgage. This loan product allows small business owners and self-employed borrowers to finally buy the home that they want and use their bank statements to prove income. Now you can write off your business expenses and buy the home of your dreams with the Bank Statement Mortgage.

Our mortgage company is more than just low rates and great customer service, though. Ryan Kelley is a tireless charitable money-raiser in all of our markets, raising money for children's charities by everything from climbing mountains and putting on charitable boxing matches to radio marathons and golf tournaments. The Home Loan Expert team has raised over $100,000 for various charities in our markets, and are just getting started.