Thomas Gilster Your Home Loan Expert

As a direct mortgage lender, Thomas Gilster streamlines the home loan process from start to finish. With decades of experience, you can take comfort knowing your refinance or home purchase is in Expert hands.

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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.  

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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.

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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.

Calculate Your Payments

  • Mortgage Calculator
  • Refinance

Purchase Price: $100000

Down Payment: $10000

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Monthly Payment:
(Principal + Interest)

Total Principal Paid:
Total Interest Paid:

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
Melissa Stelly
Loan Processor
Jerrod Kingery
Jerrod Kingery
Marketing Manager

What Clients Say About The Thomas Gilster Team

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Learn About Loan Types

FHA Loan

Flexible home mortgages with attractive rates.

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) 359-4807

Thomas Gilster
Senior Loan Officer | NMLS #283931

 

1409 Washington Avenue, Suite 220
St. Louis, MO 63103