Competitive Rates
We work hard to keep our costs down and pass the savings on to you. That’s how we’re able to offer great loans—and great rates—that our competitors can’t match.
Same-Day Pre-Approvals
We offer same-day pre-approvals you can rely on. Find out your personalized rates in no time with our easy online application.
A+ Rating with BBB
Our past clients are happy, and it shows. We’re proud to have the highest possible rating with the Better Business Bureau, because it means we’re doing right by our customers.
What is the Teacher Appreciation Program?
Our Teacher Appreciation Program is a way to thank you for your dedication and sacrifice. Right now, we’re covering the cost of your appraisal up to $1,000 to save you money. This includes all education professionals–teachers, administrators, coaches, custodians and more–who purchase a new home or refinance this year. We’re doing this because we want to support the outstanding work America’s teachers do, both in our schools and in our communities.
Many teachers and other school staff face financial challenges due to limited income, but the process of receiving a home loan doesn’t have to be one of those challenges. When you call us to discuss your loan options, we’ll help connect you to the many options and assistance programs that can help secure great mortgages for teachers.
Does the Teacher Appreciation Program Work with Any Loan?
Absolutely. Our Teacher Appreciation Program can be combined with any loan type—including Conventional, FHA, VA, USDA, and Jumbo. Whether you’re buying a new home or refinancing your current one, you’re covered.
And as a special thank you to all our education professionals, we’ll cover the cost of your appraisal—up to $1,000.
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Purchase
Buying a home is one of the most significant decisions you’ll ever make, and securing the right home loan is a crucial step in the process. At The Home Loan Expert, we specialize in providing a variety of home purchase loans tailored to fit your unique needs and financial situation.
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Refinance
Refinancing your home loan can be a smart financial move, whether you’re looking to lower your monthly payments, shorten your loan term, or tap into your home’s equity. At The Home Loan Expert, we offer a variety of refinance loan options tailored to help you achieve your financial goals.
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Debt Consolidation
Homeowners who have built a few years’ equity into their homes may be able to take advantage of this valuable asset by putting it to work. Did you know you can refinance and use your built-up equity to pay off consumer debts like credit cards, non-mortgage loans, and other bills? It’s true!
What’s the Process of Getting a Home Loan for Teachers?
At The Home Loan Expert, we want to make the process of securing a home loan easier on teachers. You work so hard to improve the lives of your students, so we want to do the hard work for you when it comes to buying or refinancing a home! Our process is quick and painless, and it begins when you start our application process.
After that, you’ll work with a loan officer who will learn more about your expectations, preferences, and financial needs. We do all the paperwork and handle everything under one roof, originating the loan from start to finish. This means we can work extra efficiently … we can even close for prepared buyers in as little as two weeks!
How Can The Home Loan Expert help?
As a direct mortgage lender, The Home Loan Expert streamlines the entire mortgage process and makes everything easier on you. Because we handle the whole process, we’re able to approve loans that our competitors can’t, giving you more competitive terms that make your house buying or refinancing goals possible. Our unique approach also allows us to tailor home loan options to your unique needs as an education professional. No matter your situation, we’ll work hard to find the exact loan terms that work best for you.
Aside from being knowledgeable experts in our industry, we also provide superior customer service, taking good care of you from the moment you begin your approval process through closing. And, don’t forget that we’ll pay for your appraisal up to $1,000!
We’re one of the fastest growing lenders in the nation, and our goal is to help more educators like you make their home buying dreams come to fruition. Our company was founded on a passion for helping people, and we’ll always put the needs of our customers first.
We appreciate everything you do as an educator,and we want to express our gratitude by helping you secure a great home loan with a rate you’ll love. Start your application today to take advantage of our teacher appreciation loan program.
Learn About Other Loan Types
Adjustable Rate Mortgage
When you’re shopping for a new home, one of your most important decisions will be what kind of mortgage to take out to finance your home. Your mortgage type will be the top factor that influences how much you can borrow(and thus what kind and size of home you purchase), as well as your monthly budget moving forward. For a variety of reasons, an adjustable-rate mortgage (ARM) can be an appealing choice in the short term, but it can seem scary as well. However, it’s important to understand how ARMs work, since this type of loan has repayment terms that may become less desirable over time.
FHA Loan
The home buying process can be overwhelming and stressful, especially if you’re buying your first home (or if your financial circumstances make it more difficult to get an affordable loan). For many home buyers, getting a loan insured by the Federal Housing Administration (FHA) can be extremely helpful in not only securing the necessary financing to buy but also achieving the dream of owning a home (even while facing tough financial situations). FHA loans allow lenders to make home buyers better deals, resulting in lower down payments, lower closing costs, and easier credit qualifying. Here, we’ll go over the ins and outs of FHA loans, including what they are, who qualifies, and what the process of securing one looks like.
Fixed-Rate Loans
Fixed-rate mortgages—also called “conventional mortgages”—are basically the bread and butter of the mortgage industry. And that’s because this loan type is still the most reliable way to finance your home, offering affordability, flexibility, and so much more. As their name suggests, fixed rate loans have the same rate throughout the entire term of the loan. So even if interest rates rise while you’re paying off your loan, your rate and payment amount are locked in for the entire loan term. That’s why fixed-rate mortgages are so popular–they offer protections that ARMs can’t.
