BBB Accredited Business since

The Home Loan Expert, LLC

Additional Locations

Phone: (800) 991-6494 Fax: (800) 991-6495 View Additional Phone Numbers 1600 S Brentwood Blvd STE 700, Saint Louis, MO 63144

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that The Home Loan Expert, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for The Home Loan Expert, LLC include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 1
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

1 Customer Review on The Home Loan Expert, LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: March 19, 2010 Business started: 10/20/2004 Business started locally: 10/20/2004 Business incorporated 12/04/2014 in MO
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Ryan Kelley, President Mr. Kyle Melvin
Contact Information
Principal: Mr. Ryan Kelley, President
Business Category

Mortgage Bankers Financing Consultants Financial Services

Alternate Business Names
Ryan Kelley Home Loans

Additional Locations

  • 1600 S Brentwood Blvd STE 700

    Saint Louis, MO 63144

  • 7777 Bonhomme Ave STE 110

    Clayton, MO 63105

  • 7777 Bonhomme Ave STE 1260

    Clayton, MO 63105


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

4/21/2016 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: My wife and I were trying to buy a home using a VA loan through The Home Loan Expert, which they pre-approved us for and were continuously told by our lender that everything was going fine, so my wife and I continued to pursue the home purchase. We got the home inspected by a private company and the septic system inspected by a private company. The lender ordered the VA appraisal for the home. After approximately 60 days, we were days away from closing, only to find out that the Certificate of Eligibility had been denied. We found this out through a VA specialist and not the lender. After talking with multiple other lenders, we were informed that the loan process should have never been started without the Certificate of Eligibility in hand. Because of this, we spent $475 on inspections that should have never been ordered.

Desired Settlement: I am wanting to be reimbursed $150 for a Septic inspection and $325 for a home inspection.

Consumer Response:

The company is cutting a check for the amount requested.

Business Response:

We will pay the $475.00.

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

1 Customer Review on The Home Loan Expert, LLC
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
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