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02/19/2014
By: Ryan S.
Ryan Kelley The Home Loan Expert
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.
05/08/2013
By: pastorwife
Lutheran Church Extension Fund
We have invested with LCEF for years! Our church finally decided it was time to expand and LCEF was the best option. We took out a loan with them and were able to build a sanctuary and fellowship center. They are organized, efficient and extremely knowledgeable... and our congregation even got rebates on our loan depending on how many people are LCEF investors in the congregation. All of the investments go to helping other ministries too! They are a win win all the way around!
02/19/2014
By: Anthony W.
Ryan Kelley The Home Loan Expert
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.
02/19/2014
By: Brian M.
Ryan Kelley The Home Loan Expert
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.
04/05/2017
By: Monte G.
Ryan Kelley The Home Loan Expert
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.
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06/21/2016
By: Angela J.
Primerica
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!
02/28/2016
By: Erik T.
First Command Financial Plan
First command serves military personnel with full service and tailored financial advice. I'm a huge fan of their service for those that have served.
02/19/2014
By: Tom L.
Ryan Kelley The Home Loan Expert
Ryan and his team helped me on my purchase and I couldn't have been happier. Completely seemless and fast transaction.
02/18/2014
By: wookielee
Ryan Kelley The Home Loan Expert
Lowest rate I was able to find, extremely fast closing, great customer service.
Tips & Advices
Lender's title insurance is designed to protect the interests of the mortgage lender, and it covers only the portion of the equity that is owned by the lender. Owner's title insurance is crafted to shield the interests of the homeowner, and it provides coverage for the homeowner's equity in the property.
Title insurance only covers claims and encumbrances that are already a matter of public record. Title insurance does not cover claims that haven't yet been recorded. Also, title insurance offers no guarantee that you are buying a legally created parcel of land that can be used for the purpose of real estate development.
A title defect is an obstruction that affects the ownership of a property. Liens, mortgages, and judgements are all title defects, and they can prevent a seller from legally offering full rights to a piece of property. A title defect can also take the form of improper wording of the title document or improper recording of the ownership or property forms.
If you have an owner's policy, your title insurance will never need to be renewed. However, if you refinance your home, the lender will require you to invest in a new lender's policy. A new lender's policy is required even if you are refinancing with the same lender with which the original purchase of the property was made.
With lender's title insurance, coverage lasts until the mortgage is paid in full. With owner's title insurance, coverage lasts for as long as the owner or the owner's heirs have interest in or ownership of the property that is covered.

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