About us
The Home Loan Expert
The Home Loan Expert, a proud division of Golden Empire Mortgage (GEM), serves homebuyers in Austin, Texas and throughout Travis. With nearly 30 years of experience, we are proud to be one of the most respected lenders in the mortgage industry.
At The Home Loan Expert, we believe every customer deserves access to credit. Our motto, “our customers are our business,” reflects our commitment to excellence.
We focus on integrity, knowledge, and personalized service—backed by cutting-edge technology and competitive rates—to help you achieve your homeownership goals.
MEET OUR TEAM
Arien Bowersock
Loan Originator
Barry Wheeler
Loan Originator
Ryan Kelley
Branch Manager
HOW TO
GET APPROVED
01 pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
02 FIND your home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
03 Submit your loan application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
04 underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
LOAN PROGRAM TO FIT ALL DREAMS
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Investment Property Loan
Rental purchase. Refinance options.
Second Home Loan
Vacation home. Flexible options.
Construction Loans
Build new. Full funding.
Renovation Loan
Finance upgrades. Simple process.
USDA Loan
Zero down. Rural homes.
Reverse Mortgage
Convert equity. No payments.
VA Loan
Veteran benefit. No down payment.
FHA Loan
Low down payment. Easier approval.
Jumbo Loans
Large loans. Higher limits.
Conventional Loans
Popular option. Flexible terms.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Fixed Rate Mortgage
Consistent rate. Predictable payments.
why our clients
love us
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”