Flat Branch Mortgage
7-30-2010
Today's Rates
Conventional
30 Year
Fixed
4.625%
4.720% APR
 
4.375%
1 Point Paid 4.550% 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
4.500%
4.629% 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
4.125%
4.430% APR
 
3.875%
1 Point Paid 4.180% 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%
4.765% 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
4.750%
5.012% APR
 
4.500%
1 Point Paid 4.839% 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!

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:

"As a First Time Homebuyer I really did not know what to expect in the entire loan process. I was well informed and guided through every step of the way. Eric helped me with documentation and saved me a tremendous amount of time. I really appreciate the service I received from Flat Branch. Thanks!"
Melissa Christie
"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
"I just wanted to say thanks. There is no way I could have gotten this house without you. I have told all of my family and friends about your service and hard work. If I ever move I will definitely be calling you!"
Michael Crane
"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
When my wife and I decided it was time to refinance for our benefit, we called on Flat Branch to meet our mortgage needs. Eric was very courteous and professional and the transaction went very smooth. I would absolutely recommend anyone to Flat Branch for their mortgage needs. The transaction was fast smooth and effortless. Thank You!
Alex and Katherine McFarland
"My experience with Flat Branch Mortgage could not have been better. This means a great deal especially buying a home long distance. I felt TOTAL support in the information provided and a prompt response to all my questions. I was kept well informed and I would heartily recommend this company to any prospective buyers!"
Patricia Kome
Kelle (Walters) Just wanted to say "Thank You" again for all of the time and effort you put into making my loan process as simple as possible. It's quite a process and you made all of the paperwork seem easy from my side. Thanks Again, Jeff S
Jeff S
"My closing was a long one, I signed my contract in August and my closing wasn't until the end of October. Shawn made my home buying process a breeze! He was very quick at responding to any questions I had and I had a lot of them! Overall I was very happy with my experience and I would definitely use Flat Branch again!
Brandi Dean
"Shawn Von Talge went above & beyond to help us refinance. We especially appreciate his accessibility & promptness in answering our phone calls. I would recommend Shawn & Flat Branch Mortgage to anyone who is looking for a mortgage broker that looks out for your best interests."
Seth & Andrea Paul
"Shawn is AWESOME! He took the time to answer all my questions my fiance' and I had as first time home buyers. He found the best loan for us--USDA loan. He also was good about following up with us and our realtor. We will use Flat Branch and Shawn again in the future!"
Jill Pierard and Ryan Olson

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.