I cannot warn you strongly enough to stay away from Ryan Kelley “The home loan expert”. Unnecessary steps, longer loan terms, and higher closing costs.
My credit is decent and I gave them everything they asked for almost immediately.
After 6 months I was completely frustrated and started talking with another lender.
They were surprised at what I had been through with “the home loan expert”.
I closed in 60 days with half of the effort.
I don’t write bad reviews about anyone but the stress and frustration they caused me was unforgivable.
If I can make one person make a different decision writing this was worth it!