Flat Branch Mortgage
9-2-2010
Today's Rates
Conventional
30 Year
Fixed
4.500%
4.594% APR
 
4.250%
1 Point Paid 4.423% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
20 Year
Fixed
4.375%
4.504% APR
 
4.250%
1 Point Paid 4.489% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
15 Year
Fixed
3.875%
4.037% APR
 
3.750%
1 Point Paid 3.913% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
FHA
30 Year
Fixed
4.500%
4.733% APR
 
4.250%
1 Point Paid 4.558% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
VA
30 Year
Fixed
4.500%
4.733% APR
 
4.250%
1 Point Paid 4.591% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
USDA
30 Year
Fixed
4.625%
4.885% APR
 
4.375%
1 Point Paid 4.711% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!

We now have a Jefferson City location!

You can visit us at 225 Jefferson St. or call us at 573-659-0656.

Begin Your Loan Process

Begin your loan process by filling out the following form. One of our mortgage bankers will contact you soon about your loan. If you are already working with one of our mortgage bankers and have been asked to fill out a full application, please select your banker on our Mortgage Bankers page.

Are you purchasing or refinancing?
Approximate value of the property?
Your Name:
Your Phone:
Your Email:
Your Zip Code:

What our clients are saying:

"In a service based industry, simply providing good customer service doesn't seperate you from the masses. I am pleased to have worked with Shawn, whose timliness and knowledge allow him to provide superior service. His willingness to accomodate the individual needs of his clients has earned my respect and my referral!"
Chad and Courtney O'Gorman
Jim and Sarah made my refinancing experience great! I would recommend Flat Branch Mortgage to anyone looking to finance a home. The entire transaction was very smooth. You guys are great! Thank you so much!!
Shannon Barnes
"Flat Branch Mortgage is an oasis in the desert of business as usual mortgage companies. The professional service delivered in a timely and most friendly manner is the hallmark of this company. Jim Yankee and his associates care about their clients and work hard to provide the best possible service in the most important of family assets, our home".
Ben Kolb
"I am so impressed with Eric Hemmer of Flat Branch Home Loans. He was the only loan officer I spoke to that treated me as if my business was important. He went above and beyond to make sure I got the house I wanted and everything went so smooth. I cannot thank Eric enough! I will definitely refer everyone I know to him."
Mindy
"Eric Hemmer provided a stress free experience in buying our new home. Eric worked around the clock to make sure we were in the best financial position possible. I can't say enough good things about Eric and Flat Branch Mortgage and I will be sure to refer everyone I know to him."
David & Katie Garrison
"Shawn Von Talge is always very accessible, understanding and trustworthy. I know whenever we do business with him he will give us straight forward answers in a timely manner. We wouldn't trust anyone else!"
Rich & Jill Bohanan
Keep up the good work! Eric Hemmer was extremely easy to get ahold of. Even after hourse he answered all of my emails promptly. Communication and transparency were top notch. We scored a great deal on our mortgage thanks to Eric Hemmer!
Mark Jakubcewicz and Andrea Franklin
Scott, Angela and I just wanted to say thanks for everything you did in getting us into our new home. We love it and are so excited to finally own our own home. Working with you was a pleasure and you made the process so smooth. I will be sure and recommend you to any of my fellow veterans and also recommend FBM to any of my friends in general.
Mike and Angela Hyman
"I felt so comfortable working with Shawn. He was easy to talk to and explained all the answers to my questions in a way that was easy for me to understand. He made this process as easy as it could possibly be. I appreciate everything! I would definitely recommend him to anyone!"
Adria Koehn
We are so pleased with Flat Branch Mortgage. This was our first home and the process went really fast and so easy. Eric made sure we understood every piece of the home buying process. We really appreciate the fast and reliable service we received. I would definitely refer them and I will be using them in the future.
Beau & Cortney Wickham

Quick Resource Guide

General Information About Flat Branch Home Loans

Flat Branch Home Loans offers Mortgages /Home Loans to anyone in Missouri. We have access to numerous investors and offer Conventional, FHA, VA, and USDA programs. Our goal is to help you find the Home Loan that best fits your needs.

Flat Branch Home Loans is one of the most respected lenders in the State of Missouri. We were incorporated in 2005 and have recently made the transition to a Mortgage Banker from a Mortgage Broker. This means we process, underwrite, and fund our own loans. No more nerve racking closings where we are dealing with underwriters out of the state. As a Mortgage Banker we have our own “skin” in the game just like you. We value your business and offer nothing but the best for our clients. This allows us the best opportunity to earn a Client for Life! Give us a chance to beat your BANKS rate today!

Why Use Flat Branch Home Loans

  • Experienced Mortgage Originators
  • High Ethics
  • Competitive Rates
  • Personal Customer Service
  • In House Underwriting
  • Quick Closings
  • USDA, VA, and FHA Specialists
  • Purchase and Refinance Transactions
  • First Time Home Buyers
  • No Money Down Programs
  • We Serve the Entire State of Missouri

    This includes Columbia, Jefferson City, St. Louis, Kansas City, Springfield, and everywhere in betweeen.