It all started in 2009 when our founder Ryan Kelley was working for a soulless corporate mortgage company and closing loans from a cubicle, and he had a realization: what he should be doing was closing loans at his clients’ kitchen table and shaking their hands. Closing home loans shouldn’t be treated like any other transaction—after all, buying a home is often the most important purchase of people’s lives.

Ryan saw that mortgage loans had become the most stressful and least human part of homebuying—but it didn’t have to be this way. So he began knocking on doors in St. Louis and helping his neighbors receive the best rates for their home loans, offering them the guidance and personal touch he wished he’d gotten.