Close your loan in as little as 10 days
When we have completed the pre-approval, we will use the information that we gathered to find the loan amount that works best for your situation.
Low Interest Rates
At the Home Loan Expert, we strive to be as efficient as possible. We keep our operating costs low and that translates into low interest rates for our borrowers.
Customer service no one can match
Our customer-first approach to mortgages is what separates us from the competition. We will walk you through the process to ensure that your loan closes quickly and smoothly.

About
Thomas Gilster
Thomas Gilster is a dedicated loan advisor with a passion for helping you navigate your home financing journey. Whether you’re a first-time homebuyer, looking to refinance, or dreaming of building your perfect home, Thomas believes there’s a loan that fits every unique situation. He offers personalized solutions, combining competitive rates with a straightforward, hassle-free experience—no surprises along the way.
Committed to clear and open communication, Thomas ensures you’re always in the loop throughout the loan process. You can count on him for honest, accurate, and timely advice, making your mortgage experience as smooth and stress-free as possible.
One of the fastest growing lending platforms in the nation

Operating locally in 19 states and counting!
Meet The Team

Melissa Stelly

Jerrod Kingery
Giving Back to The Community
Thomas Gilster gives back to the community by supporting local initiatives and helping families achieve homeownership. His personalized approach fosters financial stability and reflects his commitment to making a positive impact.
Learn About Loan Types
VA Loan
No down payment VA Home Loans for military Veterans & active duty service members.
USDA Loan
United States Department of Agriculture (USDA) Loans are an excellent, affordable option.
Contact Us
Thomas@TheHomeLoanExpert.com (314) 359-4807Thomas Gilster
Senior Loan Officer | NMLS #283931
1409 Washington Avenue, Suite 220
St. Louis, MO 63103