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See what our clients are saying…

I have enjoyed working with Shawn Von Talge on numerous projects, and transactions. I am very confident in his knowledge and experience. He not only thinks outside the box and provides clients with options, but also knows when a loan simply cannot be done and does not beat around the bush. He always goes the extra mile to ensure a smooth closing without any SURPRISES, and treats our clients honestly and respectively.

Travis Kempf

Eric, I appreciate your efforts to set-up and approve my loan and the efficiency with which the closing process took place. I will definitely refer other customers and you will get my repeat business.

Terry Bohanan

We were so impressed with Shawn Von Talge. He kept us up-to-date and gave us all the information we needed to feel comfortable and confident about our purchase. We would come to Flat Branch Home Loans again and have already told many of our friends!

Scott & Abby Matz

Dear Scott, Thank you so much for making our home purchase possible! We're astounded that it was such a smooth process. We will recommend you to all our friends, neighbors, and especially veterans in Missouri who are planning to buy a new home. You went the extra mile to help us with credit repair and education in order to get us the best interest rate available--something no one else has ever done! We're ready to pack! Best regards!

Robert and Connie Summers, Disabled Army Osage Beach, MO

We began our loan process by going through another loan company first that dropped us because the loan officer didn't have time to help first time home buyers. Working with Zoe was amazing; she gave us different loan options that worked best for our family. Zoe helped us every step of the way and had patience with us, answering all of our questions, even when she was on vacation. Zoe helped this process go smoothly by explaining and guiding us with as much as she could, and we loved that! I would definitely recommend Zoe to others, it was the best decision we have ever made. We have our dream home, and felt so comfortable throughout the process because she was so sweet and helped us as much as possible. Definitely a 5 star rating from us! We will definitely be coming back to you when we decide to upgrade our home.

Keifer Smith & Deazhane Shivers
Mexico, MO

Dennis, you did an excellent job! Thank you!

Erin - St. Louis, MO

"I can't thank Laura Brownfield enough for helping me with the biggest decision I've ever made- huge thanks !!"

Michaela W.

Scott & Valerie,

Thankyou again for your help in the rollercoaster divorce, refi and new home loan. I apologize if at times I was a bit testy. I'm all business and don't take no for an answer well. Your patience was remarkable and did not go unnoticed. You have a stellar team. Happy holidays and thanks again.

Michala Gunier
Jefferson City

I would recommend Dennis Tate to any future home buyers. He is very professional, prompt and he goes above and beyond his duties.

Cathy & Steve - Villa Ridge, MO

This was the smoothest, most efficient process for financing, ever! Jessica Robertson is great.


The process was efficient, and well managed. Communication was great! Knowledgeable staff.


I was pleased with the service I received from Shawn Von Talge. It was a good experience and I would use them again in a heartbeat!

Susan & Cade Mullins

Shawn did an absolutely great job helping us refinance our house. We were especially impressed by how easy it was to contact Shawn, even contacting us out of state. We were also impressed with the guidance he gave us throughout the process, letting us know what to expect in advance and how to interact with the various parties involved. Finally we want to mention that he got us almost all of the cash we needed to fold the costs of some recent home improvements into the mortgage, while other banks we had tried to work with turned us down despite our excellent credit rating and job status.

Patrick Wheeler

We were first time homebuyers and could not be more pleased with the service, timeliness, and concern that Flat Branch Home Loans and Shawn had for our needs. My husband and I would recommend their services to anyone who wants a smooth loan process.

Nancy and Cris Huaman

Shawn Von Talge & Eric Hemmer at Flat Branch Home Loans have been great to work with! Their knowledge about the loan programs and comprehension of the daily market should put your mind at ease. They are sincere about putting the client in a program that is in the client's best interest. Above all their follow-up and timely communication is what sets them apart from the competition.

Tim & Nikki Kuchta

Jessica is phenomenal - I loved working with her. She explained everything and made everything simple and easy! She was very personable and professional and her response time is exemplary!


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

"As trying as this process was (not Dennis/Debby's fault), I would do it all over again if I knew I could keep the same team. Dennis and Debby were consummate professionals and kept me updated and involved throughout. I have nothing but positive things to say and like to think I'm coming away with both good business connections and a few new friends. I can't say enough...."

Brett - St. Louis, MO

Flat Branch Home Loans was always ahead of the game. I never had to contact them, they called me. The buying of my house was fast and easy. All I had to do was sign the papers. Keep up the good work!

Florencio Escamilla

I chose Flat Branch Home Loans because of their friendly staff. Jessica helped me with refinancing my home. Flat Branch is the only mortgage company I've worked with...it's outstanding!


"Best company compared to other NO DOUBT! No problems at all and Laura was honest and straight forward with us all the way!"

Kristina and Thomas M.

Dear Scott: I am writing this letter for the benefit of your future clients, as I strongly recommend you as a mortgage consultant and source. Scott began earning my business from the very first contact. He was always respectful of my time and my individual needs. He suggested that I look at his web site which has very helpful information for the consumer. Scott is interested in educating his clients and not just their mortgage business. Even though I was moving out of the area, he was eager for my business and willing to travel for my closing even though it was unnecessary. Scott was always available for consultation and advice as problems surfaced with a seller of a property that I was interested in. Scott's personality always came shining through as he always takes time to be patient and helpful and thus is a true business partner. Best regards,

Nancy G. Morton - St. Charles, MO 

Working with Dennis Tate & Flat Branch Home Loans has been the best experience ever. They made this process an enjoyable one and one I will never forget. Thank you, Flat Branch, for making my dreams come true!

Antionette - Florissant, MO

When we were first getting pre-approved we went with Jessica even though another option had a lower rate. Jessica stayed on top of important dates and made sure we were reminded of what needed to be done and when; we even ended up having the same rate as the other option along with great service!

Ryan & Michelle M.

Dorothy, Dillon & I really wanted to thank you for everything you did for us as we found our home! You are very good at what you do and we could not have been happier with Flat Branch Home Loans overall. Fay was always so nice too. We love our new home and are finally feeling settled in.

Mona & Dillon Lara

The quick communication and flexibility was awesome! I had many questions and always received a quick response. It was comforting as a first time homebuyer! Jessica is amazing!

Alicia J.

This is my 4th real property transaction I've done and it was the best, you definitely are better than State Farm & Bank of America.

Robert & Virginia Bridges

Matt Beffa was very helpful and professional throughout. If I should need info after closing I hope that I can still work thru him.

M Borja
Saint Louis

I have always been very pleased with the service that Shawn Von Talge has given me. The many clients that I have sent to him for their loans have always been pleased with his service. I know he receives repeat business from several of my clients which is a great compliment and it just reinforces my opinion, that Shawn gets things done! I know that if Shawn tells me he can do it, we can make it to the closing table.

Joy Keith Century 21 Peak Dye and Assoc., Inc.

I was Realtor referred to Flat Branch Home Loans. I received a good rate, prompt responses, and Jessica was very helpful, friendly, and knowledgeable. Jessica went that extra step to make this work for me.

Leonard L.

I tried refinancing my home with several local banks that I have had long standing business relationships. Due to these relationships I wish to be kept anonymous, but safe to say Flat Branch Home Loans and Eric Hemmer in particular were 2nd to none! While all the other banks gave me the run around and ultimately could not close the deal, Eric was far different. He delivered on exactly what he said he would. I am very impressed. I never expected to get this type of service from a company that isn't a traditional bank. I am sold. Thank you!


Ronda Hickey was phenomenal. We had a difficult loan to process and she stayed in touch, informing us every step of the way. She took care of us completely.

Jason Cranston
Joplin, MO

Tina is very professional and I would recommend her and Flat Branch to all my friends and family.


Dennis Tate was wonderful. I would recommend his services to anyone. He was very thorough and professional!

Caron - St. Louis, MO

Zoe went above and beyond to make our first home buying experience smooth and stress-free! Without her diligence and perseverance, spending Christmas in our new home would not have been possible. She kept an open line of communication with us and the Realtor. Our particular situation was unusual and Zoe welcomed the challenge. I felt informed throughout the process, and as a first-time home buyer, the support and updates from Zoe were very reassuring and kept us at ease. Zoe was very quick to respond to our emails; often within minutes. She was instrumental in ensuring we had information necessary to complete a tight closing schedule and all of her communication was proactive, detailed, and easy to understand. She even attended the closing and brought champagne!

LeEtta & Lucky Moore
Fulton, MO

Working with Shawn Von Talge was great! Everything went smoothly and he worked hard for me!

Brandi Williams

"Kept everyone in the know and left us with no questions unanswered"

"Top notch, professional, knowledgeable, very nice and understanding. Others are just not as personable."

Glenda B.

Great service 🙂

Scott Shank
Springfield, MO

I was referred to Tina Howard because I needed to close as quickly as possible. Tina provided much more than just a quick process. I have never before had such personal service. I felt like my loan was the most important thing to her, and I received constant updates. I had my loan approved and cleared in no time thanks to Tina! But then I found out that my future home was in a flood zone, so that house was no longer an option. What a mess! I found another home a little later and it all worked out, but this process would have been so much more stressful if Tina was not as helpful and as courteous as she was. She never left my side, and was there for me the whole time! I truly thank you Tina!


Excellent work! Thank you for taking the time and energy to explain everything and make things work for me!

Michelle - St. Louis, MO

Eric Hemmer was great. A smooth process all the way through. Thank you, I love my new home!

B Banks

I was very lucky to have Eric Hemmer help me in the process of my mortgage loan.

Alfredo Armas

Shawn was a wonderful person to work with and was always there and accessible to us whenever we had any questions. It made the process so much easier knowing that we had his help whenever we needed it to explain anything that we were unclear about. I would definitely use Flat Branch again!

Dawn & Tommy Jones

I cannot thank you enough for the consistent, continuous professional service Shawn Von Talge provides. Your high standard of excellence in ethical business practice is among the very best in our vast experience of working with lenders in the Mid-Missouri area. Thank you!

Mikki & Karl Starmer

We loved working with Zoe at Flat Branch! We were first time homeowners who didn't know exactly what we were doing and Zoe made the process very easy and relaxing. She always answered all of our questions and checked in on us all the time. Zoe and Flat Branch helped make our first time buying a house successful!

Brock Lunceford, Brandi Lunceford, Logan Schlemmer
Mexico, MO

This is our second time dealing with Shawn Von Talge. We are pleased with his care and concern for what is best in our financial interest.

Alan & Linda Privitt

"I felt like a real person whose needs were considered rather than a number."

Alicia H.

Scott, Boy, this sure was a pleasant experience. From contract through closing, Scott mediated the process in only 3 weeks. My interest rate was much better than both of my banks could offer. He answered all of my questions and gave my advice like a big brother would. I highly recommend Scott Batt at the Flat Branch Home Loans for all VA loan matters.

Jon Mathieson Patrick AFB 1994--1997

Jessica's service was outstanding! We experienced great communication and Jessica was very informative.

Paul & Laura K.

It was very helpful how personable Jessica was, and her upbeat, knowledgeable personality, taking time to explain everything. She also took time to stop by my work with contracts, working around my schedule! From the overall experience, I would rate Flat Branch's customer experience top notch! Bravo!

Columbia, MO

I received a call from Tina and she said she is always monitoring my account and that I could save some money of my mortgage! This was great news, and it couldn’t have come at a better time for me; I needed to get my ex-husbands name off of the loan. So I refinanced, and for the second time Tina made the process easy and smooth.


My other lender didn't do USDA loans yet. I chose Dennis because he promised closing within 3 weeks.... HE DID!! Informative! Dennis was willing to work and not push it off on me.

Trent - Warrenton, MO

Prompt email responses to questions were very helpful in reducing stress during this time. What I liked best was the friendliness and professionalism of Jessica and her assistant Zoe.

David H.

My experience with Eric was awesome! I had talked to previous lenders and none of them seemed as interested with the loan process getting done as Eric did. Anytime there was a question that my wife or I had, Eric answered it in a timely manner (within an hour of asking). I would definitely recommend Eric with Flat Branch Home Loans to any of my friends and family.

Allen & Bobbi Long

We just recently purchased our first home and the process can be quite intimidating but Shawn and the team at Flat Branch Home Loans made it easy and almost completely effortless for my family. We appreciate Shawn and Flat Branch Home Loans’s professionalism and the fact that it seems like you care about your customers. I would feel extremely confident in recommending their services to anyone. It is very rare that I rate anyone or anything at the highest rating throughout a survey; Shawn and Flat Branch Home Loans are the exception. As hard as I try to think of even one aspect of our experience with them that was unfavorable, I can't. Good communication and accurate information are the keys to a smooth transaction. Shawn Von Tagle and Flat Branch Home Loans are outstanding. We highly recommend Flat Branch services as you proved yourselves trustworthy of the most important transaction…buying a home. Shawn, I want to thank you for your assistance and professionalism in getting this deal put together You were always pleasant , informed, helpful and always followed up in a timely manner. You are quite an asset any organization would be fortunate to have. Thank you again

Glen & Peggy Botts

Eric was great to work with. He was extremely knowledgeable and he returned my calls promptly. Eric was able to present me with a variety of options for my loan package. He was able to easily and clearly explain any questions I had. I wouldn't hesitate to recommend him to a colleague or work with him on any future loans.

Dr. Deborah Fine

Thank you so much for making all of this seem so easy and simple for me. I know you and your company put a lot of work into making me a first time homeowner. I truly appreciate your sincerity! Thank you so much for helping me in understanding the process of buying my home. There aren't enough words to explain the trust I feel in you. Thank you for everything!

Wanda Asbury

Great service, great closing and the complete opposite of the first place I tried. Thanks again Shawn!

Jason Roush

My experience with Flat Branch Home Loans 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

Zoe made the process simple and easy. I am busy like everybody else, and she made the process of getting a mortgage painless. Our home purchase was a successful process because Zoe took care of so much of the work for us. Even closing was fast and easy!

Adam & Erin Bethel
Columbia, MO

Thank you for everything. It is always nerve racking working with a new lender. You proved to me that you really care about your clients. I appreciate you always calling to keep me informed. I look forward to working with you again soon!

Brooke Sydenstricker McCarty Weichert Realtors - First Tier

Dennis explained everything to me EXTREMELY well! Very trustworthy person to work with. I will definitely refer in the future!

Andrea - St. Louis, MO

For my husband and I, buying this home was going to ba a huge step in our lives. It is what our family needed. We knew it would be tough and once we started the loan process we hit alot of bumps in the road, but our loan officer (Eric Hemmer) made it very easy for us to understand the process. He explained everything to us every step of the way. You did a wonderful job and worked really hard for us. We feel we owe you everything for making our family dream come true!

Nick and Mindy Williams

Tina went out of her way to make sure we received the best service and rate possible. We highly recommend her!


Everyone I encountered who was associated with Flat Branch Home Loans was kind and knowledgeable. I would recommend them to anyone refinancing or buying a home.

Nick & Tifafany Schwandt

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

Tina (Howard), Thanks so much for all your hard work to make closing happen. You're the best.


We had a dream of owning our own home for a long time now and I truly didn't think it would ever happen. I meet with an agent in Marshall and they recommended that I call Tina at Flat Branch Home Loans so that what I did. We called Tina and meet her that very night which was a Saturday night and she gave my the tools I needed to correct a few things and basically held my hand for the next 30 until my score was up and we were able to move forward towards our dream. HOMEOWNERSHIP!!!!! I can't thank Tina enough for all she did and I have and will continue to recommend her services. She takes the time to make sure you are comfortable and understand all that is going to gone on and believe it's alot. Sincerely, Chris

Chris H

Shawn Von Talge was very good in meeting all our needs during the mortgage process. He is very personable & very timely.

Ron & Faye Singleton

Tina assisted me in getting my rate down, she helped me refinance my house and that dropped my interest rate 2.5%. I would refer Tina to anyone and everyone. Thank you Susan for referring her to me.


Jim and Sarah made my refinancing experience great! I would recommend Flat Branch Home Loans to anyone looking to finance a home. The entire transaction was very smooth. You guys are great! Thank you so much!!

Shannon Barnes

Jessica's help made the process faster and smoother than I could have hoped. Outstanding job!


Jessica was a professional every step of the process. She communicated with us in a timely manner and guided us every step of the way. We received great client services.

Ken & Joanne Tedesco

Jessica did a great job. Very patient as we learned the process. Loved her comfortable, casual demeanor- and remained very professional. Will come back to Flat Branch Home Loans the next time around!


Overall Shawn did a very good job. The process as a whole went very smoothly. If we had any questions Shawn did great to answer them and explain the process to us.

Eric and Nicholle Christison

Flat Branch Home Loans 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

Shawn Von Talge was great when we got our home loan. We knew what was expected at closing and what had to be paid at closing. Our questions were always answered in a timely manner.

Greg & Jill Greening

Matt was very prompt and helpful. He gave a lot of detailed info at all hours of the day. He did a great job.

C Clinch
Saint Louis

Shawn, thank you again for all of your hard work. The process was as smooth as expected. Your efforts were definitely above and beyond any other loan officer/company I had worked with in the past. No doubt I will be recommending many people to you that are looking for your services.

Stephen Wilson

There was a lot of paperwork involved, but Tina was spot on with information they needed from us, and information for us.


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

I was very satisfied with the process. Painless! Dennis and Debby were great!

Susan - St. Ann, MO

I liked that we were able to do most communication and paperwork by email. What I liked best was the friendliness.

Kayla D.

I loved Jessica! She was helpful and completely understanding of our situation. Customer service was outstanding...I was able to call 24/7.

Amanda V.

We have worked with Flat Branch for many years. They have exceeded our expectations time and time again.

J.D. Calvin, www.mycomohome.com

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.


Shawn Von Talge was very knowledgeable and helpful during the loan process. He was happy to answer any questions I had and always returned phone calls in a timely manner. I was made to feel that no question was trivial or unimportant. I was treated respectfully and everything I needed to know was thoroughly explained. Shawn even made suggestions on moving and furniture buying. He went beyond what was expected and I appreciated all of his help.

Carolyn Adams

Shawn did a very good job, very trustworthy and dependable. I would come to him for advice again.

Julie Nelson

"Compared to other lenders it was like a night and day difference - Flat Branch is a blessing and you guys are amazing!"

Rachelle F.

Well done!

Karen - St. Louis, MO

Our refinance was very painless and easy. Although there were a few bumps in the road, Shawn went above and beyond to take care of everything as soon as he was made aware of the issue. Overall, we would gladly recommend Shawn Von Talge to others.

Dan Hoover & Kelly Gracie

I would recommend Shawn to anyone who asked me about a home loan and actually I told Ryan Stephens to talk to Shawn and he bought a home. In addition I have told another friend about him and he is going to pursue a home loan through Shawn. Shawn is a very down to earth person and doesn't try to talk you into anything you don't want to do and is very professional. I would and will continue to recommend Shawn to all and anyone who asks me about purchasing a home!

Josh Jolley

Tina (Howard), I just wanted to say thanks again for all of your hard work in helping me buy my first home. I truly believe I couldn't have done it without you by my side. We are very pleased with our home and have already started some big projects. Corey and I crack jokes all the time about "Welcome to homeownership". Thanks again! It was a pleasure and I feel like I picked up a new friend.

Corey and Trisha Wright

Ronda was great and made things go well. She explained everything in a way that anyone could understand!!

Kirk Harryman
Joplin, MO

" We had a three week closing due to moving constraints and Laura was able to meet this deadline and make the process smooth. She was extremely professional and communicated extensively through the entire process. I would highly recommend Laura and her team. She was able to deliver a MIRACLE! "


I will recommend Shawn Von Talge to anyone! He returned my phone calls and emails in a matter of minutes. I was a first time home buyer that had no idea how all this worked and he broke it all down to make sense. Thanks again Shawn for all of your help!

Jill Schlottach

It has been a pleasure to work with Shawn Von Talge and Eric Hemmer. In my mind experience counts for a lot and they have that and more. I appreciate the care they devote to every customer and can count on them to do the job right every time.

Hayes Murray Remax Boone Realty

Flat Branch Home Loans made the refinancing of my home a smooth and stress free process. They handled everything in a timely manner and communicated the details of the loan in a way that I was able to understand. I have been a repeat customer of Shawn's and will continue to do so for year's to come.

Joe Thompson

I met Matt with Flat Branch Home Loans thru my realtor. Great people and wonderful service! We enjoyed the whole process. Easy and super friendly. 5 Star Services!!

A. Davis
Saint Louis

Shawn Von Talge did an excellent job. We appreciate everything he has done for us over the last 3 years!

Stacy & Vanessa Rice

Being first time homebuyers, Shawn Von Talge made sure we understood the whole loan process. He coached us each step of the way to make sure we got the things done we needed in order to make everything run smoothly. He was very prompt in getting back to us with any questions we had and made sure to stay in touch when anything new developed with our home purchase. Shawn and his company were absolutely wonderful to work with and we would highly recommend him to anyone. We will definitely be contacting him on our next home purchase!

Tyler Lorenz and Carrie Berkbuegler

I had an overall great experience working with Eric Hemmer. He was very courteous and professional throughout the refinancing process. He answered all of my inquiries in a very prompt, open, and honest fashion, which was very reassuring with the way that the markets are today. Eric made sure that I was completely informed every step of the way, which I am very thankful. I would definitely recommend him to individuals that are seeking to purchase a new home or refinance an existing home.

Norma Jackson

You did it again for the third time! (3 loans) Thanks so much for getting our 

Billy and Janice Orton

We are returning customers because of previous outstanding experience with Jessica Robertson. I would definitely recommend Jessica and Flat Branch Home Loans!

Amy & David W.

Mike and I benefited greatly from working with Zoe Hughley and the partners from Flat Branch mortgage. Zoe went above and beyond to make sure that we understood everything that was going on, even when things began to get hectic for us. Whenever we had questions, Zoe made sure to answer our questions no matter the time of day. Zoe specifically made the process easier for us by making sure that we had everything that we needed. She reassured us in our most stressful time that she is doing everything to make this purchase as painless as possible. There were times when we thought we would give up on the process and Zoe made sure that we hung in there. We are so happy that we did! If someone is looking for a great person to work with them on purchasing a new home, I would send them to Zoe Hughley, because she isn’t just trying to get a sale, she truly cares about the people she helps.

Mike & Tina Woods
Columbia, MO

"This was our first home purchase and after meeting with Laura we felt so secure, safe and cared for we didn't look elsewhere."

"Flat Branch earned our business for all of our property purchases. Lifetime customers as long as we live in Columbia! "

Aimee I.

They were great at communicating through the internet which was very helpful and convenient! I would definitely recommend them!


Susan Theroff was great! Very responsive, courteous and customer-service friendly! Would highly recommend her and Flat Branch Home Loans

Robert Belote
Springfield, MO

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

I must say that when Zoe Hughley at Flat Branch Home Loans was first suggested by my realtor, I thought that there would be many more home-loan officers to see. Being a first-time buyer, my caution levels were even more elevated since I was just becoming a new U.S permanent resident form the islands of St. Vincent and the Grenadines. But, it took only the first meeting with Zoe while working together in her office, for me to realize that this was the vibes of a blessing; the exciting prospects of having ‘the’ perfect gift for my daughter’s first birthday and owning a lovely home for us both took shape as reality.
Now as a very contented home owner in the essence of gratitude and due-respect to Zoe, I would like to elaborate a bit on a couple of key factors that effectively describes Zoe’s capturing characteristic working atmosphere; Sincerity – it often felt as if she was assisting me as one of those friends back in the islands would; Very knowledgeable – while working with the very inexperience me as a home buyer, she broke-down in detail the information regarding the financial options which made it quite easy for me to plan personally, and quickly compare with other loan institutions; Available – whether I was on work-related travels, or her dealing with my international financial institutions, Zoe found a way to keep things moving while making it seems effortless.
It really goes without saying, but I’ll highly recommend that you go see Zoe Hughley at Flat Branch Home Loans today.

Nickie J. Peters, PhD
Columbia, MO

Shawn & Eric were wonderful to work with. They both went out of their way to make sure everything went smoothly. Everything they quoted to us was very accurate. We would definitely recommend either of them to our friends and family.

Ed & Janet Hull

Tina was fabulous to work with. I dreaded the process of purchasing a home, but she made me feel at ease because she took care of everything! And most importantly she took care of me. It felt like I had known Tina my whole life, and even though I just recently became aquatinted with her I definitely gained a friend!

Michael H.

"Laura's ability to explain the process and the monetary goings-on made us feel confident and reduced our stress. We love working with Laura!"

David G.

Amazing service. You made all of the paperwork easy to understand and a breeze to fill out. I'd recommend you to anyone! Thank you!!


I liked how Jessica was straight to the point and carried out a very efficient process. Better service than that of other mortgage companies we've worked with.

Carla B.

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 Home Loans and I will be sure to refer everyone I know to him.

David & Katie Garrison

How did we compare?
No comparison what so ever. They will always keep me "in the know" of everything that's going on. Flat Branch Hom Loan is the BEST , Dennis and Debby (Better known as D & D) is a working team!

How can we improve?
By simply remaining the way your are now. Winning Team, Courteous, Knowledgeable, Sense of Humor and Communicator.

Danyell - Florissant, MO

We just wanted to say thank you for helping us refi! You and your company were great to work with!

Nick & Bethany - Wright City, MO

Shawn was extremely patient and knowledgeable in explaining the refinance process. He was always available and competent. He ensured that I received the best interest rate possible and worked through the many ups and downs of today's mortgage environment to ensure that my loan was taken care of and more importantly made me feel that I was taken care of. I would highly recommend his services."

Kimberly Schrimpf

Pleasant to work with. Very reliable & hard working.

Jebadurai - Florrisant, MO

From the day I walked in here Ronda was right on top things. Flat Branch Home Loans is AMAZING. Thank you so much for everything!

Brenda Whitehouse
Joplin, MO

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

I would use your service again. We have tried to buy a home for 14 years and you made it possible! Thank you Jennifer.

Larry & Jamie Lawrence

Jessica made multiple trips to my place of employment to make things more convenient for me. She was always extremely helpful and easy to contact. I was able to buy my first home with very little hassle or stress thanks to Jessica Robertson and Jim Yankee.

Stacy Collins

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 Home Loans to anyone who is looking for a mortgage broker that looks out for your best interests.

Seth & Andrea Paul

Tina was the best mortgage banker I've had, and I've bought 7 homes! I would highly recommend Tina to and friend or family member.


Zoe Hughley exceeded our expectations for our first home buying experience! Being first time home buyers, we had no idea what to expect. Zoe did a wonderful job in helping us understand every aspect of the loan process. Zoe was very professional, attentive & timely with all of our questions we brought to her daily. Thank you so much, Zoe, for all of your assistance in our home buying experience!

Justine & David Moser
Centralia, MO

Jessica Robertson was absolutely amazing from beginning to end. Thank you so much for everything!

Valerie Partch

Great service from Jessica Robertson!

Berlinda Malbrough

Never in my dreams would I have imagined to have such awesome service.

Andrew & Stephanie S.

I worked with Matt when I purchased my home and also to refinance my home. He provided great service! Very Happy Customer!

M Anderson
Saint Louis

Shawn Von Talge was very helpful throughout this whole process. I trust him completely and would highly recommend doing business with him.

Don & Kerri Wilkerson

For years, I had been dreaming about buying my first home, but I was afraid I would never be able to afford it. I live in a small rural town where it’s hard to make a lot of money. When I heard about the first-time home buyer tax credit, I decided that now was the time to try. After looking at a long list of homes, I fell in love with a house at the high end of my price range. My realtor recommended Flat Branch Home Loans and they helped me every step of the way. With their rural loan program, I was able to purchase the home with a small deposit of $500, $0 private mortgage insurance, and only $200 for closing costs! The monthly payment for mortgage, insurance and property tax turned out to be only $200 more per month than what we were paying to rent a small apartment. Flat Branch was so fast and thorough with the home buying process that we were even able to close a week early. Thank you, Flat Branch, for helping me to achieve my dream of purchasing a home in 2010. Very excellent, wonderful customer service. I couldn't be more pleased with Flat Brach Loans. Thank you so much, Shawn, Daisy, and Flat Branch. I was afraid that purchasing a home would be a daunting task but you really helped us through this process and made it as painless as possible, and in fact, enjoyable!

Alexis Bell

I am so fortunate that my realtor (Susan Myers) suggested we bring you (Kelle Walters) on board for my "Home Buying Adventure". You made the potentially frustrating experience a very pleasant one. Also, I don't think I could have gotten a better deal thanks to your knowledge and know-how. Thank you for everything that you did in helping me get my home!

Joe McKie

Tina was very friendly through out the whole process. I enjoyed speaking as well as working with her. She made me feel extremely comfortable with the whole process!


We loved Dennis' quick responses to questions and the speed of processing paperwork. Closing was swift. Flat Branch service was Very Good! Communication was good. We loved the Friday emails detailing the status of the loan process.

Dennis - Eureka, MO

Dennis is very pleasant to work with. Very knowledgeable and takes the time to explain things in understandable terms. Thank you.

Sheri - Eureka, MO

I moved from Georgia to Missouri, so I really appreciated the personal and comprehensive service, as well as the ease of the process. Tina made me feel comfortable in a new situation. This was definitely the best experience I could have had in buying my first home.

Jacob P.

Shawn Von Talge was very helpful, knowledgable, returned phone calls promptly, and kept me up-to-date on everything. If I need something in the future I would not hesitate to call and use him again or refer him to others, thanks!

Joni Fox

James and Tina Benoit It was great to work with Shawn! I would recommend his services to anyone. He knows his business very well and provides relevant information to make one feel comfortable and secure in making decisions. He is a down to earth guy who is personable, confident and very accommodating.

James and Tina Benoit

Zoe was so great to work with! I always thought buying a house was supposed to be a huge headache, but Zoe made my experience very pleasant and stress-free. Not only is Zoe very caring and professional, she was very easy to work with. Contacting Zoe was very simple and I always heard back from her that same day with any questions or concerns I had. She kept me organized with every step in the process and explained all my options so I could understand them. I highly recommend Zoe at Flat Branch to anyone looking to buy a home. Zoe was fantastic to work with! Thank you again! My family and I couldn't be happier!

Ashley Jessip
Columbia, MO

My experience with Shawn Von Talge has been stress free. Since the first construction loan and couple investment properties, Shawn has worked very hard to earn my business. All my questions and concerns were answered promptly. Shawn made everything easy from the minimal paper work to a quick closing date. I will continue to work with him in the future and have recommended him to family and friends.

Ryan Huckfeldt

I am very pleased with Dennis and his staff. They explained everything in detail and the communication through the process was FIVE STAR!

Mark & Glennon - Wentzville, MO

Working with Zoe was incredible! Her level of expertise in home loans is remarkable. Starting the home loan searching was intimidating until we talked with Zoe. She made the process smooth from start to finish. Being new to this I had SO many questions, and Zoe answered all of them with a smile -- it was a very pleasant experience working with her. Working with Zoe and Flat Branch meant I could mark one thing off my plate that I didn't have to stress or worry about in the home buying process. I had full confidence in knowing that everything was being taken care of and could focus on all the other things that needed to be done. Zoe is a professional in lending and it is shown in her work. She has such an uplifting demeanor, incredibly knowledgeable, and it was a pleasure to work with her!

Amanda & Dan Sherman
Wentzville, MO

You (Flat Branch Home Loans) are a very competent lender and trustworthy which is why you are successful.

Chuck Garriott (Garriott & Associates)

Awesome service!! 🙂

Duanetta Medley
Springfield, MO

Laura was excellent and went above and beyond my expectations. She is a wonderful, professional, and courteous person to work with. I am very happy to have found her!

Melanie S.

Tina was wonderful! As first time home buyers, Tina made the process very easy for us. All of our questions were answered and everything was completed very quickly. We are extremely pleased with the whole process. Thank you so much Tina!


It is clear that Shawn Von Talge is a professional! He took care of us in a timely manner. He was very friendly & concerned about making the process as easy as possible. We would be happy to recommend him to anyone wanting to buy property.

Don and Peg Smith

Kelle has been fantastic - I am really appreciating my experience at Flat Branch. I contacted another lender prior to Kelle - but the quality of the service she provided was leaps and bounds above the other. I knew I couldn't do any better as far as a lender goes. It feels great having your team in my corner - so thanks!


We feel Flat Branch Home Loans put us in a much better situation to achieve financial freedom. We were very happy with our service.

Timothy Billups

I was please with the entire process and I would recommend Flat Branch to my friends.

Mark - Maryland Heights, MO
Maryland Heights, MO

I was very pleased with everything!!

Steve - St. Louis, MO

"Laura is fantastic! This was our first home purchase and it was great. Laura did a great job walking us through the process and showing all options. We highly recommend her!"

Kortney M.

Dennis is amazing! - very thorough, very clear, very available.

Lisa - St. Louis, MO

I was very pleased with my broker's knowledge, professionalism and prompt attention to my questions and concerns. It was a very smooth process to purchase my home!

Katie Emerson

Laura was very informative, helpful, and got things done in a very timely manner! Thank you!

Brian P.

We loved the update we received throughout the week! It was a smooth transaction. Easy to work with the whole team! Nothing to improve, keep up the great work!

Jesse & Sarah - St. Charles, MO

Great Job! Keep doing what you are doing!

Jean & Shelly - St. Charles, MO

I was in a situation where I needed to refinance my home so I could clear my ex-wife from the title. When I came to Scott to talk about my situation and my lack of knowledge with my VA benefits I couldn't have been more surprised. Scott sat down with me, explained absolutely everything I needed to know about my benefits, worked out the best possible situation for me, and took care of everything! I couldn't believe how easy it was and the amount of money I am saving. I truly believe Scott really cares about his customers and strives to be the best at what he does. Thanks again!

Ben Riley, Retired Navy  Columbia, MO

I have always been very pleased with the service that Shawn Von Talge has given me. The many clients that I have sent to him for their loans have always been pleased with his service. I know he receives repeat business from several of my clients which is a great compliment and it just reinforces my opinion, that Shawn gets things done! I know that if Shawn tells me he can do it, we can make it to the closing table.

Joy Keith Century 21 Peak Dye and Assoc., Inc.

Thank you so much for your help throughout this entire process. CJ and I both were very impressed with your desire to help us understand everything each step of the way. We can't thank you enough for your guidance and professionalism. We knew we were in good hands working with you. I will definitely recommend you to others. Also, if you need a reference for a potential client please feel free to send them my way. We are going to be hosting an open house party sometime later this month so be looking for that invitation!

CJ and Emily P. - US Army, Columbia, MO

Sarah was thorough in explaining each step in the home buying process, which placed us at ease as first-time homebuyers. She answered any financial questions we had with confidence and was always reassuring. I would recommend her to any couple looking to purchase their first home.

Amanda Butler

Dennis Tate made me feel extremely comfortable with buying my first house. I would definitely recommend him to any friends or family!

Amanda - St. Louis, MO

Shawn was extremely helpful because he explained things to me. I had many questions being a first time homebuyer. He was very fast in his responses as well. Thanks Shawn!

Travis Cummins & Kristen German

Shawn Von Talge went above & beyond the call of duty. I will most certainly keep his business card handy! We love our new home.

John & Susan Shelby

"Laura was able to work with me when others told me no, creative problem solving!"

Janet R.

Tina went that extra mile for us throught out the whole process. She mentioned we were her first VA loan, but we couldn't tell that by the way she presented herself and the documents. Thanks again Tina!


Our process in buying our first home was long and stressful. But Dennis Tate and his team were nothing but amazing, supportive, reassuring, and helpful throughout the process. With all of our financial issues from the past, Dennis helped reassure us and get through it all. We had heard the closing procedure was a stressful and long process, but Dennis explained everything in detail. This made closing easy and painless. We feel that if it wasn't for this amazing team, we would not currently be home owners. We cannot thank Dennis and his team enough for everything they did to get us our amazing first home.
P.s. July 1st! 😉
Thanks again,
Justin & Jessica

Jessica & Justin - Hazelwood, MO

I never thought I’d be able to own my own home, but after working with Tina for six months, she helped make that possible for me. Tina helped me raise my credit score, and she was by my side through all my credit issue problems. She went above and beyond by meeting me after hours and she gave me that one on one personal time that I needed.


Things (my home purchase) went very smooth. Thank you very much!

Marcia Jones

Thanks for options that worked out. Past people didn't recommend what you suggested.

Todd - Fenton, MO

Shawn, I just wanted to take a moment to thank you for all your help through this process. You helped make this process a lot less confusing and fairly simple. I will definitley recommend your services to anyone looking at buying a home. Thank you very much!!!

Jamie & Robert Kennedy 

Thank you for resolving our nightmare!

Matthew & Jennifer - Imperial, MO

What a wonderful smooth process and it couldn't have been without Dennis. Exceptional service!

Melodye - Ballwin, MO

Everything was great!

Cameron - Eureka, MO

Dennis is Amazing!!!

Jennifer - St. Louis, MO

I was introduced to Jessica through my Realtor, and I chose Jessica because of her speediness and ability to get me approved. I liked how fast Jessica responded. Jessica always kept me in the loop, and there were no secrets. I knew exactly where I stood through the entire process. If i had questions, they were immediately answered.

C. B.

Susan makes the process stress-free. We would recommend her to anyone.

Lawrence Arnold
Springfield, MO

Ronda was wonderful. She was very detailed, professional, and amazing. We would recommend her to anyone buying a home.

Kristin Amin
Joplin, MO

Tina Howard made every thing easy to understand and was great to work with.

Tina, I think you are doing great, no need to improve your service just keep up the great work.

John W. H.

"Everything Flat Branch did for us made the process stress-free."

Alisha and Mark R.

Jessica's name was given to me...she was available to answer all of my questions. She really led me through the entire process. I would absolutely recommend Flat Branch Home Loans to a relative or friend! This is the only mortgage company I have dealt with. I was satisfied from the beginning!

Sarah Gaddie

Outstanding service in a very timely manner!

Milton R.

Shawn exceeded our expectations. He was always there when we needed an answer to a question. He has a very professional manner yet he makes you feel as though he has been a friend for years. His honesty was refreshing. We would highly recommend Shawn and Flat Branch Home Loans.

Joseph and Susan Vittone

When interest rates began to drop I submitted loan applications to three major institutions hoping to find the best rate possible. Shawn and Flat Branch Home Loans blew the competition out of the water and made my refinance a great experience. I had always been partial to large banks, but after this I will send all of my referrals to Flat Branch Home Loans- care of Shawn VonTalge! Thanks again Shawn.

Erin Daugherty

Flat Branch Home Loans compared with other mortgage companies I've worked with in being much more thorough and understandable. I would recommend Flat Branch Home Loans; Jessica is very competent and answered all of my questions.

Meg Ladd

Nice to have someone to go above and beyond to meet our expectations!

Stephanie - Union, MO

Mr. Tate was very helpful and personable. I enjoyed working with Dennis!

Shannon - St. Louis, MO

I have been really satisfied with the whole process.

Virginia Kesinger
Joplin, MO

David I can't believe how smooth & easy that FHA loan went. From beginning to end. You had it clear to close a week early. My buyer loved you & loved the process. Thank you for really caring about people.

Barbara Strickler Schroer
Kansas City, MO

Thanks for everything, we love our new home!

Scott & Crystal Wilson

Matt was referred by a friend. We tried another bank and were strung along for over 60 days. From the moment we made contact with Matt, he was professional and great to work with. Communication was always open and everything was done in a timely manner. We used Matt to purchase our house and also to refinance when we were ready.

J Brew
Saint Louis

Great work, Shawn! I couldn't have done it without you...2 weeks from offer to closing and I was clueless. Thanks so much for your help, right down to the last minute!

Betsy Hearne

Jessica was very helpful and understanding to my situation. She did a great job. I really appreciate all the support she gave me. Thanks! Great Job! I will refer friends to Jessica anytime!


Jessica was a blast to work with! She helped make our first time home buyers experience much less intimidating and less scary. She was very personable and made us both very comfortable.

Brad and Amanda Atkins

Working with Matt was an absolute pleasure. I feel like he took care of us as if we were close friends. He went above and beyond to make himself available and ensure we understood everything throughout the process. If I ever buy another home, he would be the ONLY person I'd trust with the transaction. I am forever grateful for his guidance and dedication.

D. Irving
Saint Louis

Jessica was great - very professional!


I was introduced to Flat Branch by my realtor. I looked at reviews online and contacted Jessica. Her prompt service and responses made me comfortable and ensured me that Flat Branch is perfect! Being able tofax and email paperwork to Jessica was most helpful! It was great to communicate electronically. The best part about Flat Branch is Jessica! Flat Branch is the only [mortgage company] who took time to contact me...the same day of my application! I felt comfortable asking anything, and my questions were answered the same day! Customer service at Flat Branch is outstanding!

Stephanie Dennison

Thank you so much for everything you did and for working with us & Gil in getting our loan. You helped make the process painless at least as painless as spending that amount of money can be. Thanks again!

William & Alicia Burke

Shawn provided me multiple options to meet my financial needs. He was professional, organized and worked hard to earn my business and respect. I'm comfortable recommending him to my family, friends and colleagues.

Jill Paul

It was so helpful to always have prompt feedback and always following up with us while waiting for approval and appraisal. The best customer service I've received thus far!

Cassandra G.

Thanks so much for everything! I really appreciate the hard work and keeping me up to date on all the little details. You made my personal home buying experience stress free!

Amanda Lee

I really cannot praise Dennis anyway but EXCELLENT! I didn't think it was possible to have everything go smoothly after the problems with the previous lender. SUPERIOR WORK! Dennis kept me informed every step of the way. He was given my mortgage loan info about 2 1/2 weeks before I was supposed to close. HE WENT ABOVE AND BEYOND to get my USDA loan approved quickly AND were able to close on time! The previous lender did nothing in over 1 1/2 months.

Kathleen - O'Fallon, MO

This is the second time that my wife and I have purchased a home. The first time was enough to discourage this task ever again. However, Scott Batt and his team made the process seem seamless, I did not have to worry about anything except what my wife wanted to purchase at the furniture store. Great work Scott. I like to take this chance to advise anybody in the market that is getting ready to purchase a home to look you and your team up. Thanks for everything,

Randall Walker E-8 US Army, Georgia

You guys are the best! We closed on our house in about 20 days and the process was so smooth and easy. We can't thank you enough! As a first time home buyer, I had many questions. Dennis and his team answered them all and made me feel comfortable throughout the process.

Courtney & RJ - Cottleville, MO

Prior to this experience I had never heard of Flat Branch Home Loans. I would most certainly consult you prior to purchasing property again. Shawn Von Talge was extremely helpful, courteous, and friendly throughout the entire process. Thank you very much!

James Vestal

Eric Hemmer is an exceptional representative of Flat Branch Home Loans. He was very knowledeable and prepared, easy to communicate with, and made the entire process remarkably seamless. He was a very personable, well-mannered professional. I only wish I had gone to him sooner!

Kendall Lewis

In early 2015, my wife and I decided we needed to make the next big step in our lives: buying a house. The major problem was neither of us had any clue where to begin. Luckily, a friend sent us in the direction of Zoe. Zoe has been far beyond incredible the entire process. She was able to walk us through all the necessary steps and give us a very simple and clear-cut plan to get us on the right track. She has ALWAYS been very responsive to any questions we've had along the way, and has definitely been a huge help!

Charles & Amanda Long
Columbia, MO

I was very satisfied with all services from Flat Branch. Shawn Von Talge was always thorough, well prepared and prompt. He was very accessible and answered all questions quickly and clearly. He made the process smooth and simple. I would highly recommend Shawn and Flat Branch to anyone.

Elizabeth Burns

This was my second time I worked with Dorothy. She helped my buy my first home and now she is helping me buy another. She is truly great! She makes this whole process seem effortless and she's always friendly and informative. I will continue to use Dorothy for any of my mortgage needs!


I can't say enough good stuff about our experience with PMG and especially dealing with Shawn Von Talge. He is very knowledgeable about his business and yet he is sensitive to the fact that this is a big decision. He treated us like a friend or family member (I have a feeling he does that to everyone). There was never a time that Shawn was inaccessible to us or did not explain to our satisfaction what was going on. I would highly recommend PMG to our family & friends. In this day of mortgage turmoil... we waltzed right through to a better rate and product.

Bob & Millie Steffe

Great work! Tina did an excellent job getting my mortgage processed in an extremely timely manner. I was able to close with at a very low interest rate in less than 30 days! Thank you Tina and Flat Branch!


We loved the constant communication on what was needed and where we were in the process. Also, we loved the complete knowledge of the team! Flat Branch was #1 in every way. There was no comparison to the service received and the compassion about our situation.

Greg & Donna - Pacific, MO

Fantastic Service!!!

Jerry - Chesterfield, MO

“Kelle and Sara are amazing! Our loan process was so easy. I literally cannot think of one single issue I had along the way. Kelle and Sara kept us up to date on the status of our loan and if there was ever a change, Kelle was sure to explain how the change would affect us. Their outstanding customer service is what won our business from the start and we continued to see that same customer service through closing. We will definitely be recommending Kelle & Sara to friends! :)”

Shannon and Todd K.

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

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

Very pleased with the service we received. Have went with Dennis before and will continue using him and refering him to friends and family. He is very knowledgable and goes out of his way to help people!

Mike & Mary - Florissant, MO

My wife and I want to say thank you for helping us bring this deal to closure Your kind assistance and diligent effort made it possible. We both appreciate you more than we can say!

David & Theresa

Appreciate the excellent service in terms of friendliness, follow up and knowledge of our needs. Very easy to work with; builds trust in the process.

Dennis & Linda - St. Charles, MO

We thought Dennis Tate did a very good job. He was patient and thorough with all of our questions!

Doug & Laura - St. Louis, MO

Shawn Von Talge's assistance throughout our loan application process has been outstanding. Mr. Von Talge provided professional and timely advice. He was accessible to both my wife and I following her initial meeting, giving us thorough recommendations of all required information for a VA loan. This reduced the overall time needed to complete the loan and allowed us to close on the house three weeks earlier than expected. Shawn's ability to keep us informed on our loan process and additional documents needed kept the overall process streamlined from application to closing. Nicole and I are very pleased with Mr. Von Talge's help and Flat Branch Home Loans, we knowing would use these services again for any future home financing and will recommend Shawn and Flat Branch to others.

David and Nicole Nelson

Ronda did a very good job. We are very happy.

Fernando Cortes-Rodriguez
Joplin, MO

I tried to work with Countrywide Home Loans (aka Bank of America) to secure a loan for my home purchase and was left with the impression that buying a home was simply something I was never going to be able to do. I was discouraged, confused and overwhelmed. Ready to give up, I contacted Shawn Von Talge at the recommendation of my realtor, Elissa O'Brien. I couldn't believe how different it was to work with Shawn. I found out quickly that not only could I get a loan, have minimal costs but that I did qualify for loans that I was told I didn't. He was clear, concise, straight-forward, and never left a conversation without ensuring I knew exactly what was happening. For a purchase that is so life changing the process has been unbelievably easy and for that I will always be grateful.

Jenna Sapp

I would like to take this opportunity to thank you for all your help in making our dream of homeownership a reality. Thank you so much!

Travis & Jessica Peterson

I could not ask for better help and support. Thank you for helping me buy my house!

C Rankin
Saint Louis

Shawn Von Talge enabled us to have a wonderful experience in obtaining a home loan. I have dealt with other companies and have never had the outstanding customer service provided by Flat Branch. Shawn was able to get a loan for us that we were happy with and I don't know if another company would have tried so hard! The whole team was exceptional and I would recommend their services to anyone seeking a home loan.

Rich & Trina Hoelscher

Shawn Von Talge did a great job! He worked hard to make sure we got the best possible financing and everything went smoothly during the entire process. Thanks Shawn!

Stephanie and Rodney Ashworth

The service was excellent, as well as the communications.

L & N T.

We are extremely pleased with the whole process of getting our new home. The loan process went smooth and very quick! Going into this, we had heard horror stories of people having problems at the last minute, so we really didn’t know what to expect. Shawn kept us informed the entire way, and if we had any questions, he responded usually within the hour! I would highly recommend Shawn Von Talge to friends and family. In fact, I have already! We will definitely be going through him for any future home purchases!

Lindsey and Ben Dunn

Scott, It's hard to believe this day in age that an individual is still treated as an individual and not a number. If you are seeking quality, personal service, Scott Batt and Flat Branch Home Loans is the only place to go! Scott went the extra mile for us all the way from pre-approval to closing. He even provided us with tips on the sale of our previous home! The number of headaches and stress Scott eliminated for us is unimaginable. There is no better lender or Mortgage Broker than Scott Batt with Flat Branch Home Loans. Thanks and we love our new home! Thanks again for all your hard work. We sure appreciate you and are getting settled into our new home! Keep in touch.

Kala G. Holt Summit, MO

The whole entire process went smooth. I was very pleased with my Mortgage Banker (Shawn). I would use Flat Branch Home Loans again!

Ryan Gastineau

We are so pleased with Flat Branch Home Loans. 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

Shawn was a lifesaver. We started our FHA loan application with an internet-based company and it ended up being a total nightmare! We transferred our case to Flat Branch and Shawn saved the day. He was able to complete our closing within 10 days. Thanks you so much!

Joey and Kari Wilson

She's the BEST!

Tony Ledford
Springfield, MO

"The personal accessibility to my loan officer. Shawn Von Talge for questions and explanations. His time in the initial meeting and evident desire for what was best for me."

Patricia Kome
Columbia, Missouri

My husband and I just closed on our first home on March 19th. Tina Howard assisted us with our loan and I can not say enough of how wonderful she was throughout the whole process! Everyone has told me that buying your first home is a whirlwind and often times a chaotic experience. Tina was our calming voice within the storm. Being a first time homebuyer, the entire process was new to us. Tina was very patient with us and explained everything clearly so that we understood each step of the process and each form we had to sign. She was always willing to run numbers for us when we were still looking for a home to make sure that we were within our budget. As if this service was not enough, Tina gave us her cell phone number and talked with us in the evenings from her home which is when both my husband and I were available. Any time that our journey hit a bump in the road, Tina always stayed calm and reassuring as she worked with us to find solutions. I am beyond impressed and I enjoy seeing the look of shock on other people’s faces when I tell them about my experience working with Tina. I was also impressed at how friendly and helpful the rest of the staff was in Tina’s absence. They were very willing to answer questions and help to share in our excitement. My husband and I are very thankful to the staff a Flat Branch Home Loans and will recommend your team to other homebuyers.

Lydia Cecora 

Shawn Von Talge went above and beyond in helping me and I greatly appreciate that. He is a true professional.

Angie Hoover

Matt was referred by our realtor. Matt Beffa is amazing! Great Service and always more than accommodating!

T. knight
Saint Louis

Awesome experience! Ronda was great! We appreciate everything you've done for us over the last few months!

Dakota Harwood
Joplin, MO

I would recommend Flat Branch Home Loans and Shawn Von Talge to anyone. Great service!

Phoebe Gibbs

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

Tina did an awesome job and made this process extremely enjoyable!


I believe I was mistreated and mislead by my original lender. It felt like my loan officer was learning at my expense! I was out of time and standing to lose a lot of money! Switching to Flat Branch was like a breath of fresh air! Mr. Tate was confident he could pull this out of the hole and make it happen! He won my confidence. He explained everything to me, kept me informed and it went very smooth! I was totally impressed! I've already given referral's and will always continue to do so!

Kenneth - Fenton, MO

Dear Mr. Batt, I appreciate all the extra effort and time that you put into the loan for my clients. Your follow up with my clients was excellent, and you kept them apprised of everything that was happening with their loan. They felt like they were informed and knowledgeable every step of the process, and that truly made their home buying experience more enjoyable. As the realtor?, I appreciate so much that you treated my customers like family. They were able to have a much smoother transaction because of the care you took with them. I feel that you also gave me the necessary information to help my clients make the best home choice, and I would definitely recommend you to other home buyers. Thank you so much!

Kim Ellis Century 21 Prestige, Fort Leonard Wood, MO

We were very pleased with the way things were handled. Shawn Von Talge was very good, we have dealt with him before and have always been pleased, thank you.

Russ & Linda White

Absolutely wonderful service! We couldn't be happier! Tina was awesome!


This was an outstanding experience! Jessica has a great sense of humor and is very fast and unfailingly courteous. She made the whole experience fun! Best loan transacting of the 11 I have made!


Dennis was most helpful in reducing our stress by frequent, open communication through various options (texting, email, phone calls). We enjoyed his personal and professional handling of business and it was faster than expected.

Justin & Chelsie - Union, MO

We used Zoe for our initial home loan and didn't hesitate to go back to her when we decided to refinance. Zoe walked us through the process both times and provided answers to all of our countless questions and emails both accurately and quickly. Her response time and attention to detail was very much appreciated. We will reach out to Flat Branch and Zoe with any future needs.

Bobby & Kayla Hagedorn
Columbia, MO

Two years ago my wife and I made a rushed trip to Columbia to find and purchase a house. We were lucky to find one that we liked, and even more fortunate to have worked with Jessica Robertson at Flat-Branch Mortgage. We were first-time buyers and the process can be a bit stressful. Because of her honesty, professionalism, knowledge, attention to detail, and great people skills, Jessica made our dream of home ownership a reality. We were so pleased with Jessica, in fact, that we just refinanced, which cut nearly 10% from our monthly payment and put cash in our pockets. If you are on the market for a house, or if you are looking to refinance to take advantage of today's historically-low rates, you owe it to yourself to seek the services of Jessica Robertson.


Dennis is very organized and explains things thoroughly. I like the closing packet he puts together for the clients!

James - Florissant, MO

I am so glad that I chose Flat Branch Home Loans to help me purchase my home! Buying a home is a big step in a person’s life and like most new home buyers, I had a lot of questions to ask. Kelle was fantastic throughout the entire process and was able to answer all of my questions and help me understand each step. Plus, she sent me a birthday card 6 months later. That showed me that Kelle and Flat Branch aren’t just about obtaining new customers, their focus is on keeping those customers and should I buy another home in the future, Kelle will be the first person I call! Thanks again Kelle!

Beth N

Great experience!

Theresa - Festus, MO

It was a truly smooth and pleasant experience working with Zoe getting our home loan. Zoe really made a complicated process much easier! She is always there to help, answer our questions, reply our emails in a timely manner. I would recommend her to any of my family and friends.

Qiong Gao & Shao-Yu Chou
Columbia, MO

Jessica Robertson provided all needed information and offered additional assistance. She was very helpful and will come highly recommended!


You and your team were awesome! I would highly recommend you to anyone! Thanks for your help with everything!

Katherine & Joshua - Marthasville, MO

Shawn Von Talge made my refinancing really easy and fast! Thank You!

Darrell & Norma Sizemore

Shawn did a wonderful job at helping me through the buying of our first house. He helped guide me through the financial part of this long process. I do not think I could have made it through this whole thing without him. Thank you!

Max and Catherine Davis

I've worked with Shawn Von Talge before and have always enjoyed his candor on what loans would be in my best interest. As with the last loan I used to refinance my home, working with Shawn on this refinance was as easy as the last. Shawn is professional and always puts the client first. Thanks for your help on this loan...it closed without a hitch!

Pam Walters

It was our first time buying a home and we were referred to Zoe by our realtor and it couldn't have gone better! From day one to the day of closing, Zoe was always very prompt with every crazy question we had and explained everything very well and made things easy to understand. She was always available and so helpful. Zoe has followed up numerous times with us since we closed to make sure things are going well, and we have referred all of our friends to her. We wouldn't choose anyone different if/when we go through the home buying process again! Plus, we gained a wonderful friend in the process!

Amy Gastineau & Ashley Morgan
Columbia, MO

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 

Shawn Von Talge is a spectacular mortgage consultant. He always kept us informed with what was going on with our application. We tried working with another company and person we were working with was very difficult to contact, often requiring multiple phone calls or emails just to get one call back. Shawn was always very prompt in returning phone calls or emails. Shawn was always very upfront with us, always explained everything to us and always answered questions we had about the mortgage process. Every time we walked into Shawn's office we felt like his most important clients. There are very few businesses where I have had such great personal service as we had with Shawn and Flat Branch Home Loans. Thank you!

Wayne & Brittany Angle

Jessica worked a miracle on getting our loan approved very quickly. We would highly recommend Jessica and Flat Branch based on the quality of our experience. Thank you!


Thank you so much for your assistance in our home buying adventure. You were instrumental in this process and we can't thank you enough. We will remember you and highly recommend you.

Kent & Michelle Hulett

Jessica is such a sweet lady who made our first time home buying experience very enjoyable. She was friendly, informative, and kept in great communication. We are so appreciative of everything she has done for us and would recommend her to anyone interested in a thorough home loan!


Thank you Laura Brownfield for going above and beyond for me!

Madison D.

My wife and I purchased a bank repossessed home that needed almost a year and a half worth of work to complete. I contacted Scott in early Feb 07 to begin the process of closing. I was way too early to start the closing process. The project took longer than I expected. Scott Batt was very professional and patient. He stood by me during the last 9 months of construction. This was the company for me. He kept in-touch with me when other Mortgage Brokers didn't. They lost my business. He also taught me some real estate tricks I would have never known. He also helped me with a great rate. I am retired military and would highly recommend him to any of my fellow military and civilian friends. If you don't know how to buy a house or investment properties; this is the Mortgage Company for you. I also gained a friend. Thanks again Scott.

Chris B. Retired US Army, Ft. Leonard Wood Area

Shawn had completely exceeded our expectations, making for a very pleasant lending experience. This was, by far, the best lending experience we've had and look forward to doing business with Shawn and Flat Branch Home Loans again. Shawn was most professional, attentive and timely. Within a matter of minutes we had answers to our questions. We are proud to say we've gained a friend in the process too. Thanks, Shawn!

Aaron & Jennifer Stoker

Just wanted to inform all about a quality experience I recently had with Shawn Von Talge nad Eric Hemmer. They actually helped my mother with a loan and she could not stop talking about how they were not only professional but very trustworthy. Everything they had told her was to the tee. No surprises and smooth as silk! This is what we as realtors look for and don't always get. There are good lenders here in Columbia but since my mother won't shut up about them I figured it was worth mentioning. Thanks Shawn and Eric".

Brian Asbury

Laura was the absolute best! She worked so hard to help us purchase our home and we are forever thankful for her


I just bought my first home as a single person, so I was extremely nervous with beginning this process. Kelle and the folks at Flat Branch Home Loans, were amazing. They helped me thru every step of the way, always there to answer questions. Everyone warned me about how nerve wrecking the process can be, I never felt that way, I give the credit to Kelle. She was always there for me with a smile and kind word. I signed a contract and closed within 30 days, on a home that is a dream come true for me. I will never forget Kelle and Flat Branch Home Loans, I know I would not own this wonderful home without them. Kelle, a simple Thank You just doesn’t seem enough.

Denise Harlan

Simple and Easy process with everything explained!

Todd and Kristine - Eureka, MO

I like how thorough Jessica handled the paperwork and explained what was going to occur. The service was smooth and carefree.

Michael W.

Dennis and his team made the entire process very easy. They were friendly, professional and kept me informed every step of the way. Thank you for a job well done!

Amy - Hillsboro, MO

My husband and I were worried how we would be able to get a loan for our dream home before our current house sold. Our bank was not making the process enjoyable or easy even after 6 years of doing business with them, it was one corporate hang up after another. Just when we were about to throw in the towel we spoke to Shawn at Flat Branch Home Loans. He had everything taken care of in a couple of days and was there to answer all of our questions. The process was streamline and professional; it was like a huge weight was lifted. He turned a very stressful situation into a pleasant one. Thanks!

Casey Voight

Efficient Service! Always available to answer questions.

J. Hinshaw
Saint Louis

I was introduced to Flat Branch Home Loans through an established relationship. Jessica was always available to our needs. Great customer service!

Sarah Munns

Laura was so helpful during our home buying process. She was with us every step of the way. We appreciated her quick response with all of our questions and concerns. Laura was so easy to get in touch with!

Charles H.

Jessica was referred to me through my place of work and through mutual friend referrals. I liked that Jessica had a pre-approval number to me within a few hours and she was very helpful in explaining everything for my first mortgage. The service was outstanding. I'm very happy with everything. I would absolutely recommend Flat Branch Home Loans to a friend or relative. I love you ladies!

Roxie Robinson

Jessica, I know this is a little late but I wanted to thank you and Flat Branch Home Loans for the wonderful service that I received. You always were very willing to help and answer any questions that I had, especially being a first time home buyer. I would highly recommend you and Flat Branch. thanks again.

Justin Hein

We were very pleased with our experience. Flat Branch Home Loans went out of their way to help us.

Scott & Angie Poage

Tina did a great job for us! She was always honest, always polite, and always professional. We would recommend Tina and Flat Branch Home Loans to any prospective home buyer. Thanks!

Gwen Pope

Tina did a great job for us! She was always honest, always polite and always professional! We would recommend Tina and Flat Branch Home Loans to any prospective home buyer! Thanks!


Shawn Von Talge is great! He returned every phone call I placed to him. He went the extra mile to make it happen.

Randy & Christina Watson

Very good job. Very Attentive to detail and would highly recommend to others.

John - Imperial, MO

Very professional and Quite pleased with the service. Very nice people and if I ever buy again, I will for sure call Dennis.

John & Trudy - Moscow Mills, MO

When my husband and I decided to buy our first home, we went to a lender to get pre-approved for a loan. After our initial meeting with him, we did not hear from him again. When it was time to put a contract on our home we expressed concerns to our realtor. She put us in touch with Shawn Von Talge, who was tremendous help to us throughout the rest of the buying process. He was very easy to get in touch with and also answered any questions that we had. The most impressive aspect Shawn was that he treated us with respect. Knowing that we were first-time homebuyers, Shawn took the time to explain the complicated loan and mortgage processes. We could not have asked for a better lender as this process went very smooth. Thanks!

Shawn & Jacquelyn Brazas

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

Shawn Von Talge could not have made the buying process any better for us. He is very personable and it is clear that he enjoys what he does. I believe that is how he makes his customers so comfortable with this process.

Michael & Lisa Sexton

Tina did a great job of working with us through the entire processes. She worked extremely hard to meet our needs, and that was much appreciated!

Kent & Holly

Dennis Tate has been very clear and professional throughout our mortgage loans. We have recently discussed his services with a friend in need of just Mr. Tate's touch to keep her interest rate down.

Doug & Lenora - Catawissa, MO

I started off working with a lender that was referred to me and they told me that I would qualify for a new loan program that they offered at their bank. 2 weeks before my loan commitment date for the house, I found out that I was not qualified due to me paying off my car earlier in the year. So I was penalized for paying off my past debt and it was missed by that lender which wasted 3 weeks for me, plus their interest rate was super high for that program. So I knew Dennis and I reached out to him to see if he could help me out, and him and his team worked hard to make sure that I no longer stressed or had any worries. They offered me an amazing interest rate compared to other lenders, they were highly efficient and professional, and they made sure that my loan was approved before the commitment date so that I wouldn't lose the house. I wish that I would have worked with them from the beginning, but they were the best of the best and saved me a good amount of money due to the lower interest rate and lower monthly payments. I would recommend them to anyone that is looking for a mortgage lender. You will not be disappointed, and they are very knowledgeable and professional and have a great team under Dennis

Candace - St. Peters, MO
St. Peters

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

Laura was very efficient at exploring and explaining all available options to us.


Dennis did an OUTSTANDING job. We closed an FHA 203k loan in less than 30 days! Unbelievable organization & attention to detail. I would highly recommend Dennis and his team to EVERYONE looking to make the loan process smooth and hassle free!!

Shane & Ulondia - St. Charles, MO

My fiancé and I were ready to purchase our first home together. We had been searching the listings online and had a ball park idea of what we wanted to spend. We knew we could afford the monthly payments but we didn’t have any money to put down. We decided that a USDA mortgage would be best for our situation. We contacted a Bank (I won’t name) who had a sign out front advertising that they do USDA loans.
I could go on and on about our terrible experience with the bank, but basically we were just numbers and dollars in the seat in front of their desk. We did get pretty far through the process with the bank, but before we signed for the appraisal to be ordered, we finally had enough and our agent, Amanda Pedrolie, (also highly recommended) referred us to Dennis Tate at Flat Branch.
From the very first phone call I knew we were in good hands with Dennis and his team. He listened to our situation and where we wanted to be financially when we closed. Dennis was able to explain to me exactly how the process would go and was confident he could get us to where we wanted to be. Dennis contacted me a few days later with two options. The first option we would have a lower interest rate and we would pay some money out of pocket at closing. The second option was to raise our interest rate by 0.1 % or something, it was not much at all and we would get money back at closing. Now obviously every financial situation is unique but the point is Dennis and his team will work hard for you and care about your needs.
If you are looking to buy a home, whether you’re a first time home buyer or a multiple home owner, Dennis and his team will make it the smoothest and most stress free purchase you ever experienced!!!

Thank you Dennis and your amazing team for making our dreams come true!!!!!

Justin & Taylor – Robertsville, MO

Shawn Von Talge was great to work with he did all the work to get the loan ready all I had to do was sign the papers. Thanks to Shawn and all the people at Flat Branch Home Loans.

Chris Zielinski

Amazing! Quick turnaround! The best thing about working with Dennis was the ability to call him directly and ask questions.

Tiffany & Ochuko - St. Charles, MO

The experience was quick and easy. They were able to answer all of our questions and work with our schedules. Jessica was very organized and helpful. Your service was great!

Marisa S.

I meet Matt thru my realtor. As a first time home buyer, Matt was exceptional at providing all the appropriate information and answering all my many questions. He was always responsive during the process. I felt very informed and supported. Thank you!

L Dodson
Saint Louis

Easy, Helpful and Convenient!

Joyce - Eureka, MO

Jessica continues to do wonderful work and is my first and top recommendation when referring clients to a lender.


Shawn Von Talge & Eric Hemmer are professionals...always courteous, factual, prompt and accessible.

Jeff England

This was my first house and therefore my first home loan. I had tons of questions and a lot of information to learn about and I not only had my questions answered, but Shawn took the time to explain all the details and each step to me. Each e-mail I sent him or phone call I made was returned within an hour or two. There were also some complications from my side when I went out of the country for 10 days prior to closing. Shawn took care of everything and we were able to put it all together. Finally, I got in a car accident driving to the closing and not only was everyone completely nice about it, they offered to pick me up and take me to the doctor.

Jennifer Simeck

I am very satisfied with Eric Hemmer. I felt like I got personal attention that many other companies would not provide. His service was very thorough and I believe he explored all options to get me the best possible rate for my refinance.

Jason Buck

Shawn Von Talge provided me with exemplary service and truly brought professionalism and patience in equal parts to my home buying process. As a first-time buyer, I had many pre-conceived notions and concerns about the lending process...especially with the current lending market being such a challenge. Shawn answered each question appropriately and remained accessible through every step of the process. Most importantly, Shawn delivered on every promise he made and no one (first timer or seasoned investor) could possibly ask for more!

Dennis Lewis

We will use Flat Branch Home Loans again. They were easy to use and were honest with their fees. I would recommend them to my family and friends.

Tom & Trish Atkins

Ronda was great to work with.

Micah Read
Joplin, MO

As a first time home buyer, Matt explained the process and went thru all docs clearly. He was patient enough to answer all my questions.

M Malugu
Saint Louis

Constant communication was so helpful during this busy time! It was better customer service than my last loan.

Heather Thompson

Shawn Von Talge is a spectacular mortgage consultant. He always kept us informed with what was going on with our application. We tried working with another company and person we were working with was very difficult to contact, often requiring multiple phone calls or emails just to get one call back. Shawn was always very prompt in returning phone calls or emails. Shawn was always very upfront with us, always explained everything to us and always answered questions we had about the mortgage process. Every time we walked into Shawn's office we felt like his most important clients. There are very few businesses where I have had such great personal service as we had with Shawn and Flat Branch Home Loans. Thank you!

Wayne & Brittany Angle

Shawn was absolutely wonderful to work with!

Leigh Ann Simar

Tom and I just want to thank you and Debby again for all that you did for us. We will be recommending you to any friends or family that need assistance. Thank you again for making house buying such a pleasure and enjoyable experience!

Thanks again,
Tom and Beth

Tom & Beth - Fenton, MO

We were introduced to Flat Branch through Remax Boone Realty and chose Flat Branch because they matched the USAA rates and it is conveniently located. Jessica is awesome! Nothing about the loan process was stressful, and none of my questions went unanswered. Jessica is so easy to communicate with!

Erin and Dusty Morris

I felt confident that Jessica had it all under control. She was outstanding at answering my questions and I would definitely recommend her to my family and friends!

Julia C.

Jessica was wonderful! Helpful and always available for my many, many questions - she even helped on weekends! Love her, and I couldn't have made it through all of this without her.


We love our new home! Thanks for all of your help. It is soooo nice having a place to really call home.

Kyle and Stephanie Gilliam

I was in a panic as my landlord gave me a written 45 notice that I needed to move quick. I was in no way planning to until that day so I called Sandy a call and she gave me Flat Branch's number. I meet with Tina in Marshall, MO. and she informed me of everything that I would need to do and the process began. I found a home got a loan all within less then 45 days. It was great! Thanks Tina


I was very happy with Flat Branch Home Loans & Shawn Von Talge & the quickness with which they got my loan closed.

Jerry Kempf

This was a crazy & complicated process that Dennis helped me through quite diligently. I would recommend him to anyone in a heartbeat! Thank you Dennis!!
P.S. - Sept 1st 🙂

Connie - Eureka, MO

Shawn Von Talge was very helpful and informative. The loan closed within 15 days as promised. Thank you very much!

Bill and Karen Swaim

I liked everything about working with Jessica, she was very helpful and the customer service was great! I always try to refer my clients to her if they are not already working with another lender.


We were supposed to close on a Monday and on the Wednesday before that the first company we tried working with told us they would not be able to get everything done by Monday. Thinking the situation was hopeless, we contacted Jessica Robertson at Flat Branch Home Loans. I know a loan in 3 days is not standard, but she pulled it off and we didn't lose our house, earnest money, or anything. Thank you!

Chris and Stacey Sisk

Dennis went the extra mile in helping me determine what I could afford. He and his team are great to work with . There were able to get me approved and closed in RECORD time!

Paula - Eureka, MO

Zoe always had updates for me, and told me exactly what she needed from me and gave me specific deadlines. She was patient with my multiple questions per day, or even per hour! Our loan closed on time with very few issues, and we are so happy in our home! I liked that Zoe was extremely punctual in returning phone calls and emails, and always understood the process in ways we could understand, as first time home buyers. Zoe would truly do anything in her power to help you buy a home. Zoe at Flat Branch is the only way to buy a home!

Elsa and Keaton Oestreich
Columbia, MO

My husband and I refinanced our house in 14 days! How many people can say that? Because of the dedication of Tina Howard we were able to get through the home refinance process with minimal effort and virtually no stress! She was very professional and informative, and I could tell she was actually there to help us. I have referred and will continue to refer as many people as I can!


Laura has exceptional knowledge of products and is superior in customer service.


In a nut shell, Dennis did a wonderful job!

Jacob & Kelly - St. Louis, MO

We have done business with Flat Branch on two separate occasions, and both times the service was simply outstanding. Our questions and concerns were always dealt with in a timely and professional manner, and the results couldn't have been better. We highly recommend Flat Branch Home Loans to anyone seeking a high quality mortgage broker.

Adam & Amber Quest

He was great to work with and made the whole process very comfortable as a first time home buyer!

Richard & Sara - Wentzville, MO

This was my first home and Shawn was very helpful during the entire process. I would use Flat Branch Home Loans again and recommend it to friends, thanks!

Juliet Bedell

Jessica was great! She always answered my calls/emails/questions and we had to do everything long distance as I was still living in another state! Would recommend her highly.


Matt was awesome and a pleasure to work with! Matt was helpful and attentive to all of our needs. He did a great job and took the stress out of buying our first home!

N. Staab
Saint Louis

Dennis made me feel that he took special, personal interest in me and my finances. He was patient and courteous at ALL times and I felt I could totally trust him. Would highly recommend!! 🙂

Vivain - Creve Coeur, MO

Jessica did a wonderful job helping me to understand every aspect of the loan process and answered all of my questions thoroughly. I appreciated very much the fact that she shared in my excitements and frustrations, and though I'm sure she was working with 30 other people, it always felt as though she was 100% present with me and my process. I will definitely recommend her to friends and family when they need loans.

Megan Lee

"Flat Branch's service levels are impeccable and Laura was professional, prompt and just brilliant to work with."

Andrew C. & Jill J.

Shawn was great to work with, he was up front with what he could do in comparison to other offers I had from different companies. He was constantly letting me know status and would submit request for information by e-mail so we were not playing phone tag. This was my 3rd refinance and it was by far the easiest and had little to know stress involved.

John Selk

Matt was a referral from my parents. They were so happy with his service that I used him when I bought my first home as well. Matt was amazing. He even rescheduled his other appointments to be at my closing.

H Dickherber
Saint Louis

We are very happy! Thank you for your kindness and friendship. Working with Flat Branch Home Loans was an awesome experience.

Richard and Glenda Chapman

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