Flat Branch Home Loans
Becky Hoover
Kelle Walters
Bob Peery
Tina Howard

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!

3-18-2010
Today's Rates
Conventional
30 Year
Fixed
5.000%
5.097% 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!
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
"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
"Shawn Von Talge was very helpful and informative. The loan closed within 15 days as promised. Thank you very much!"
Bill and Karen Swaim
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
"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
"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 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
"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
You did it again for the third time! (3 loans) Thanks so much for getting our loan processed at the interest rate and payment we needed. You do a great job!
Billy and Janice Orton
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.
Retired US Army, Chris B. - Ft. Leonard Wood Area