A house is made of bricks and beams. A home is made of hopes and dreams.
- Ralph Waldo Emerson
Let's get you home
What do we do?
At Mortgages by Experts, we find the home loan rates that work for you. That’s it.
Pre-Qualification and Documentation
Here we go, the first step. It starts with completing an application, either online or with the assistance of a mortgage loan originator. After that, your friendly neighborhood officer will help you determine which program is the best for you and what you need to move forward.
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Conventional
Conventional Loans are the most common mortgage type you’ll come across and often the usual starting point for many when shopping for a mortgage loan because they’re exactly what they sound like: conventional. The process to obtain one requires a minimum down payment of 5%, for a maximum loan amount of $766,500.
FHA
First things first: an FHA Loan is a mortgage that is insured by the FHA (or Federal Housing Administration). FHA Loans have no income limits, but require a 3.5% minimum down payment and a maximum loan amount of $472,030. If the property is a condominium, it must be on the FHA-approved list. In addition, an upfront mortgage insurance premium is financed into the loan, with seller concessions up to 6% of the sales price.
VA
VA (Veterans Affairs) Loans are expressly for current and veteran service members – and eligible spouses. VA Loans have competitive interest rates and usually require no down payment (100% financing up to the appraised value of the property and loan applicants must meet VA eligibility.) The maximum loan amount is $766,500, with no mortgage insurance, and the VA funding fee can be financed into the loan (which can be waived by disabled veterans.)
USDA
USDA (or U.S. Department of Agriculture) loans are part of the Rural Development program and they offer mortgages for rural homebuyers with no down payment required (100% LTV of appraised value plus the guarantee.) Although there may possibly be financed closing costs, USDA Home Loans offer reduced monthly mortgage insurance premiums and seller concessions of up to 6% of the sales price.
There are a lot of loan options – let’s find the right one for you.
more loan options
Challenge / Solution
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The Challenge
The Solution
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300+
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If you're ready to get home, we're ready to get you there.
888-495-5078 12016 Tesson Ferry Road, St. Louis, MO 63128
APPLY NOW!
Template - Case Study
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To source new SVGs, locate the Media Library in the top toolbar, select "Icons," and search key terms. To change the color, select the .svg file (try searching .svg in the layers panel), scroll down in the design panel, and select the color swatch.
In this experience, there are two tabs with only one visible at a time. In the studio, after making your edits in each tab, make sure to turn the visibility of "tab: the challenge" ON and "tab: the solution" OFF.
The video background is pinned which means it is fixed to a specific point in the viewport. Pinning an object allows you to keep the objects always visible on the canvas, regardless of where the user scrolls on the canvas. Note: Pinned objects do not currently work on full-height embedded experiences; only standalone experience and scrolling embedded experiences. To unpin select the "pinned video background" group. Next to the X,Y coordinates click the pin icon. To replace the video, select the video on the canvas or in the layers panel and click the "Replace Video" button, which is next to the video thumbnail in the design panel. Any video settings on the original video will carry over to the new one.
You don’t want a more expensive rate. Or even an okay rate. No, you want the best rate, the one that works for you. So that’s what we’re focused on. Purchasing a home is a large investment – it’s kind of a big deal, financially and emotionally. So, we want you to lean on us as we find the rates that work for you and make that purchase a reality.
how do we do it?
01.
Yes! See, we told you, this is fun! Now you’re on the hunt for the perfect place to call home. A real estate agent can spot any issues and make sure you’re aware, as well as secure the best terms and price for you, when you do find something.
Start Shopping for your New Home
02.
With a sales contract agreed upon, everybody’s on the same page. Now the Mortgage Loan Originator begins to work on the best options and terms, then provides you with an estimate.
Begin the Loan Process
03.
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This is when you really want to get up close and personal. With a thorough examination of the home, an inspector will check over the build, structure, materials and any defects or items you will want to know about. Then it’s time for appraisal.
Inspection and Appraisal
04.
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You! Are! So! Close! At this point, the underwriter will review all the documentation. If it meets the minimum requirements, they’ll issue a “conditional approval.”
Conditional Approval
05.
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And here we are… with final sign-off, you’re clear to close. We’ll get the paperwork ready for you to sign, then we’ll move the money to the title company to pay for your home. High-fives all around!
Final Approval and Closing
06.
where to get started
We don’t just turn around and offer the same, generic loan to everyone, over and over. We work with you to find the loan that fits your goals, your plans, your visions, your wildest dreams… in other words, the right one for you.
First things first: an FHA Loan is a mortgage that is insured by the FHA (or Federal Housing Administration). FHA Loans have no income limits, but require a 3.5% minimum down payment and a maximum loan amount of $498,257. If the property is a condominium, it must be on the FHA-approved list. In addition, an upfront mortgage insurance premium is financed into the loan, with seller concessions up to 6% of the sales price.
Apply
meet the team
contact
loan types
Here we go, the first step. It starts with completing an application, either online or with the assistance of a loan officer. After that, your friendly neighborhood officer will help you determine which program is the best for you and what you need to move forward.
TERMS & Conditions
privacy policy
accessibility
information security
DISCLOSURE
Mortgages by Experts 1, LLC, NMLS #2597217. Not a commitment to lend. Additional terms and conditions apply. Licensed Lending in Missouri. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in. Mortgages by Experts 1, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Headquarters: 12016 Tesson Ferry Road, Suite C, Saint Louis, MO 63128, Toll Free: (888) 232-1945. For licensing information, go to: www.nmlsconsumeraccess.org.
file a complaint
INVESTMENT PROPERTY LOANS A conventional investment in real estate bought with the intent of generating income, usually in the form of a one- to four-unit residential home. Investment Property Programs tend to have a higher mortgage, with more adherent lending standards, as well as higher down payments, than your standard property loan.
Seller concession is up to 3-9% of the sales price PMI required over 80% LTV Additional options are available
CONVENTIONAL This is the usual starting point for many, because it’s exactly what it sounds like: conventional. A Conventional Loan is pretty standard and requires a minimum down payment of 3%, for a maximum loan amount of $766,550. In addition:
Seller concessions up to 6% of the sales price Gifts allowed
FHA With no income limits, FHA Loans require a 3.5% minimum down payment and a maximum loan amount of $498,257. For condominiums, they must be on FHA-approved list. Also, an upfront Mortgage Insurance premium is financed into the loan. In addition:
REVERSE MORTGAGE Just like any other type of mortgage, though the applicant must be 62 years or older, own the property, and occupy it as their primary residence. One nice bonus? You don’t have to make a payment until the last surviving homeowner permanently moves out of the property or passes away. At that point, any remaining equity will be inherited by the estate.
Greater fund flexibility Can offer a better alternative to selling
RENOVATION LOANS Designed to provide the needed funds to update or renovate your home, Renovation Loans should be viewed as a means to reduce your long-term costs, increase the value of your property, or for buying a home that is at a lower price point or “fixer-upper.”
BANK STATEMENT LOANS Also known as self-employed mortgage, a Bank Statement Program is a great option for those borrowers who do not have the tax documents to prove their ability to pay for a mortgage. Can be applied to owner-occupied, 2nd homes or investment properties, with loans up to $5 million.
VA Specifically for Veterans, VA Loans require no down payment (100% financing up to the appraised value of the property.) The maximum loan amount is $766,550, with no mortgage insurance. The VA funding fee can be financed into the loan (which can be waived by disabled veterans.)
JUMBO LOANS For homes exceeding the value of Conventional Loans as established by the FHFA (the current conforming loan limit for one-unit homes in most counties nationwide is $766,550 depending on location). Predominantly used to finance homes in highly competitive real estate markets or luxury homes, Jumbo Loans are usually available with a fixed interest rate or an adjustable rate.
Seller concessions of up to 6% of the sales price Condominiums may be eligible for financing Not restricted to first time home buyers
USDA For a USDA Home Loan, a new or existing property must be located in a USDA-approved area. While there may possibly be financed closing costs, there is no down payment required (100% LTV of appraised value plus the guarantee fee.) These also feature reduced monthly mortgage insurance premiums. In addition:
Mortgages By Experts is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in.
What type of loans are available?
Additional Loan Products
I understand everyone’s financial situation is different and should be treated as such, I am committed to providing my customers with mortgage services that exceed their expectations. I have the knowledge and expertise you need to make the right choice for you and your family. Let's start the journey towards your new home.
Brett Kelley
Mortgage Loan Originator 314-623-9445 bkelley@mortgagesbyexperts.com 12016 Tesson Ferry Road, Suite C, Saint Louis, MO 63128 NMLS: 2074735
Meet the Team
As an experienced Mortgage Loan Originator, I understand everyone’s financial situation is different and should be treated as such. I am committed to providing my customers with mortgage services that exceed their expectations. I have the knowledge and expertise you need to make the right choice for you and your family.
Bobby Jones
Mortgage Loan Originator 314-517-7356 bjones@mortgagesbyexperts.com 12016 Tesson Ferry Road, Suite C, Saint Louis, MO 63128 NMLS: 644115
Lena Rivolta Loan Partner | Mortgage Loan Originator lrivolta@mortgagesbyexperts.com 12016 Tesson Ferry Road, Suite C Saint Louis, MO 63128
Apply now
Klayton Simmons
Mortgage Loan Originator 417-773-5647 ksimmons@mortgagesbyexperts.com 11401 Ash Street, Leawood, KS 66211 NMLS: 1071204
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General Mortgage By Experts strives to ensure that its services are accessible to people with disabilities. Mortgage By Experts has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort, and independence. Mortgage By Experts is committed to facilitating and improving the accessibility and usability of its Website, www.mortgagesbyexperts.com. Mortgage By Experts strives to ensure that its Website services and content are accessible to persons with disabilities including users of screen reader technology. To accomplish this, Mortgage By Experts has engaged UsableNet Inc, a leading web accessibility consultant to help test, remediate and maintain our Website (mortgagesbyexperts.com) in line with the Web Content Accessibility Guidelines(WCAG), which also bring the Website into conformance with the Americans with Disabilities Act of 1990. Disclaimer Mortgage By Experts continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible, and unhindered use also for those of us with disabilities. Despite our efforts to make all pages and content on mortgagesbyexperts.com fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution. There are components contained within mortgagesbyexperts.com that are managed by third parties. Mortgage By Experts is working diligently with these vendors to bring their technology offerings to WCAG 2.1 AA conformance. We encourage any customers having issues to contact Mortgage By Experts in case any help is needed with those components. Our contact information is below in the “Contact Us” section. Here For You If you are experiencing difficulty with any content on mortgagesbyexperts.com or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist. Contact Us If you wish to report an accessibility issue, have any questions, or need assistance, please contact Mortgage By Experts Customer Support as follows: Email: info@mortgagesbyexperts.com
Accessibility Statement
Is Mortgage By Experts as safe as going to a bank to take care of my home purchasing needs? Yes, but decide for yourself. Mortgage By Experts uses encryption to transfer data back and forth between our site and your computer. What this means is that the only person that sees the data on your screen is YOU. We utilize the same encryption technology that has been used successfully by the FBI, CIA, and ATM Machines worldwide. Mortgage By Experts utilizes VeriSign for our secure information transmissions over the internet. VeriSign is the world’s leading provider of digital certificate solutions for businesses and individuals wanting to perform secure electronic commerce and communications over the internet. VeriSign is the provider of secure electronic commerce solutions for AT&T, EDS, Microsoft, VeriFone, Visa and others. VeriSign provides security services 24 hours a day, 7 days a week. Mortgage By Expertsis very proud to utilize VeriSign’s services to provide the ultimate security for our customers. Internet commerce is the fastest growing method of doing business. Purchasing mortgages and other banking services from the convenience of your own home 24 hours, 7 days a week is becoming a part of our daily lives. Mortgage By Experts is proud to be a leader in providing value, convenience and security in mortgage shopping via the internet. We are proud to provide the best security available for you to confidently conduct your business electronically. What about my personal Information? Mortgage By Experts will not under any circumstances share your name, address, telephone number, or financial information of any kind without express written consent from you. Period.
Information Security Policy
Mortgage By Experts is committed to honoring the privacy of visitors to our corporate and affiliate Web sites. Our Web site describes our information practices and lets users give informed consent before participating in programs and services. This page provides answers to the following questions: How do we protect your account? 128-bit High Encryption Browsers. We require you to use a secure browser to access account information and perform transactions. This helps to ensure that the information you access is secure and confidential. Encrypted Data. After you have entered your information, the encrypted data is transported between our systems and our alliance systems. Ensuring the security of your financial transactions is never a finite process for us. We use professional security experts to manage and monitor 24-hours a day, 7-days a week to help ensure that your information is secure. What is SSL and how does it protect me? SSL creates a secure communication channel by encrypting communication between the user and the server. SSL authenticates that the server to which you are connected is indeed correct. You can be assured that you are actually communicating with us, and not a third party trying to intercept the transaction. SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count (or checksum) provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this check sum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically. What information does Mortgage By Experts ask for and how is it used? Mortgage By Experts will ask you for several pieces of information in order to process your loan application. Among these are social security numbers, employment history, and assets and liabilities you hold. We make every effort to protect our partners, affiliates, and individual consumers, but we do not control the privacy policies or business practices of third-party Web sites. When our business partners and affiliates register for services provided by Mortgage By Experts, they are asked to provide certain information such as their name, business address, contact information, and company description. We only ask for this information so that our account managers and Web site coordinators can maintain quick, effective communication and constantly personalize our business services to your requirements. Your registration, contact information, and any passwords you may be issued are also required for your secure movement and transaction processing throughout our Web sites. However, certain third-party Web sites to which we provide links or which are hosted by Mortgage By Experts for public use have different or additional terms of use, (including different privacy policies), which you should read, so that you fully understand particular uses of personal information by third parties who are partnered or affiliated with Mortgage By Experts. Because Mortgage By Experts does not control activity on any third party Web sites, even when hosted by Mortgage By Experts, Mortgage By Experts makes no representation concerning the use and/or disclosure of any information provided to such third party Web sites. Do I get to choose what information I disclose? Yes, our business partners and affiliates can always choose whether or not to disclose personal or business information through Mortgage By Experts. Certain information is of course required for registration and to establish and securely manage your Mortgage By Experts account, but other requested information may be optional. Specific questions about what information is currently required should be addressed to the account manager and Web site coordinator who establish your account. Who has access to the information that I provide to Mortgage By Experts? We use basic information which we collect to make your business relationship with Mortgage By Experts more productive and tailored to your individual preferences. We require specific additional information when you subscribe to some customized services, and we store that information in secure databases. We share some aggregate statistical data with companies from which we obtain analytical and marketing services or partnerships. These companies do not have access to our secure database, and we never provide these companies with access to any consumers’ financial, personal, or loan-transaction information which we store on behalf of our business partners and affiliates. From time to time, we may be asked to disclose such information to third parties as part of a legal proceeding (i.e. subpoenas and criminal investigations); in such cases, Mortgage By Experts will disclose personally identifiable information as required by law. For more information click here. What if I need to change the personal or business information I previously disclosed? All changes in our partners’ and affiliates’ contact or business information should be sent immediately to the account manager and Web site coordinator who manage your account. Private consumers who use the mortgage services of our partners and broker affiliates should contact them directly by e-mail or by phone to update personal and loan-account information. Who can I contact if I have any questions regarding my privacy? If you have specific questions about Mortgage By Experts, you can contact us directly through our e-mail “info” address provided below. For more general information, we recommend the Web site published by the U.S. Federal Trade Commission, which includes news and commentary about privacy protection on the Worldwide Web; or go directly to their FTC Search page, enter the words “Internet privacy” (without quotes) in the text field, and hit the Search button. What is a “cookie” and how does it work? By placing a small file known as a “cookie” on your computer (or other device), Mortgage By Experts passively gather information about all visitors’ use of the System for several reasons, including, but not limited to, the following: statistics collection and analysis, System optimization, analytics, and market research. The information that we track with cookies includes, but is not limited to, the type of browser (such as Google Chrome, Mozilla Firefox or Internet Explorer) and Internet-connected devices being used to access the System, your Internet protocol (“IP”) address, your home domain or Internet service provider, your referrer URL (which is the URL for the website that you were viewing prior to visiting the System), how you were directed to the System, which specific pages you access on the System, how long you view each page, the time and date you access our System and the total number of visitors to the System and any portions thereof. We may use the information collected from cookies or similar files on your computer for security purposes, to facilitate site navigation and to personalize your experience while visiting the System. This data helps us improve our respective product and services. Most popular Internet browser applications will allow you to configure the browser so as not to accept cookies. However, setting your browser to reject cookies may, in certain instances, prevent you from taking full advantage of the System (or some portion thereof) and its capabilities, or cause some features of the System to function improperly or more slowly. What does Mortgage By Experts do with the non-public personal information it receives regarding its business partners’, affiliates’ or mortgage broker clients’ customers? Mortgage By Experts provides a wide range of services to its business partners, affiliates and mortgage broker clients. In connection with these services, Mortgage By Experts often receives non-public personal information about the customers of its business partners, affiliates and mortgage broker clients. Except as permitted by law, Mortgage By Experts does not share, disclose or otherwise use non-public personal information that it receives from its business partners or mortgage broker clients about its business partners’ or mortgage broker clients’ customers. Federal privacy regulations limit the manner in which Mortgage By Experts may re-use or re-disclose this information, and Mortgage By Experts complies with these regulations. For more information click here. Contact forms If you fill out a contact form on our site, we store that information in a database and use the information to respond to you regarding why you contacted us. In addition, we collect phone contacts in the mobile app when you share the app.
Privacy Policy
Mortgages by Experts 1, LLC NMLS #2597217 Headquarters: 12016 Tesson Ferry Road, Suite C, Saint Louis, MO 63128 (888) 232-1945. Mortgages by Experts 1, LLC, NMLS #2597217. Not a commitment to lend. Additional terms and conditions apply. Licensed Lending in Missouri. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in. Mortgages by Experts 1, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Headquarters: 12016 Tesson Ferry Road, Suite C, Saint Louis, MO 63128, Toll Free: (888) 232-1945. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Opportunity State License Name License Number Missouri Mortgage Company License 2597217
Disclsosures
What do does Mortgage By Experts do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
All financial companies customers need to share customes personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Mortgage By Experts chooses to share; and whether you can limit this sharing.
For our everyday business purposes —such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes —to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes —information about your transactions and experiences
For our affiliates’ everyday business purposes —information about your creditworthiness
Yes
No
We don't share
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
Social Security number and Income Account balances and Payment history Credit history and Credit scores
WHY?
Who is providing this notice? Mortgage By Experts
How does Mortgage By Experts protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Mortgage By Experts collect my personal information? We collect your personal information, for example, when you
Why can’t I limit all sharing? Federal law gives you the right to limit only
sharing for affiliates’ everyday business purposes — information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Apply for a loan Open an account Give us your employment history Give us your income information Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
WHO?
For our affiliates to market to you
For our nonaffiliates to market to you
HOW?
Reasons we can share your personal information
Does Mortgage By Experts share?
Can you limit sharing?
WHAT?
Why?
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. DAS Acquisition Company, LLC, DAS Mortgage Services, LLC
Nonaffiliates
Companies not related by common ownership or control. They can befinancial and nonfinancial companies. Mortgage By Experts does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Mortgage By Experts does not jointly market.
Rev. 10/23/23
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