Flat Branch Home Loans
Shawn Von Talge
Jessica Robertson
Jim Yankee
Kelle Walters

Conventional Loan Product

Conventional mortgages are your standard traditional mortgage.  They are not insured or guaranteed by the government like FHA, VA, and USDA.  Fixed rates and adjustable rates are available, however fixed rates are the norm in today's lending environment.  With 20% down you will not have any monthly mortgage insurance and there are no funding fees like there are on government loans.  However, with a down payment less than 20% you will incur monthly mortgage insurance premiums (you can put as little as 5% down).  Interest rates vary quite a bit on conventional loans since they are not guaranteed by the government.  Credit score and loan to values play a huge part in the rate you will receive.  On the bright side  in a perfect scenario you can earn the most competitive and lowest rate with this product.

To apply for a conventional loan or to see how it compares to a Government loan Apply Here!

3-11-2010
Today's Rates
Conventional
30 Year
Fixed
5.125%
5.223% APR
 
4.875%
1 Point Paid 5.055% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
20 Year
Fixed
4.875%
5.006% APR
 
4.750%
1 Point Paid 4.993% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
15 Year
Fixed
4.375%
4.540% APR
 
4.250%
1 Point Paid 4.489% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
FHA
30 Year
Fixed
5.000%
5.240% APR
 
4.750%
1 Point Paid 5.067% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
VA
30 Year
Fixed
5.000%
5.273% APR
 
4.750%
1 Point Paid 5.101% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
USDA
30 Year
Fixed
5.250%
5.520% APR
 
5.000%
1 Point Paid 5.349% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
"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
"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
"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
"Flat Branch Mortgage 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
"Shawn Von Talge was very good in meeting all our needs during the mortgage process. He is very personable & very timely."
Ron & Faye Singleton
"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
"We will use Flat Branch Mortgage again. They were easy to use and were honest with their fees. I would recommend them to my family and friends."
Tom & Trish Atkins
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
We just recently purchased our first home and the process can be quite intimidating but Shawn and the team at Flat Branch Mortgage made it easy and almost completely effortless for my family. We appreciate Shawn and Flat Branch Mortgage’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 Mortgage 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 Mortgage 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
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