FHA Loan Product
FHA Loans are a great way to save money on your home purchase or refinance. Because these loans are insured through the federal government, FHA mortgages are easier to qualify for than conventional home loans.
The biggest benefit of an FHA loan is the ability to put a smaller amount of money down. Buyers using this financing can put as little as 3.5% down towards their home purchase. These loans also carry a 2.25% FHA funding fee that is rolled into the loan. FHA borrowers also get to receive reduced monthly mortgage insurance compared to the monthly premiums on conventional loans that are over 80% loan to value.
Flat Branch Home Loans is a Full Eagle FHA lender servicing the entire state of Missouri. Our status with HUD allows Flat Branch to underwrite FHA mortgages on behalf of the US Department of Housing and Urban Development. This means that your FHA loan will all be processed and underwritten in Missouri by the friendly Flat Branch Home Loan staff. Flat Branch makes FHA mortgages easy while saving you money.
To get qualified for your FHA loan, start here
7-30-2010
Today's Rates
| Conventional 30 Year Fixed |
4.625% | |
| 4.720% APR | ||
| 4.375% | ||
| 1 Point Paid | 4.550% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 20 Year Fixed |
4.500% | |
| 4.629% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.489% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| Conventional 15 Year Fixed |
4.125% | |
| 4.430% APR | ||
| 3.875% | ||
| 1 Point Paid | 4.180% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| FHA 30 Year Fixed |
4.500% | |
| 4.733% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.558% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| VA 30 Year Fixed |
4.500% | |
| 4.765% APR | ||
| 4.250% | ||
| 1 Point Paid | 4.591% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
| USDA 30 Year Fixed |
4.750% | |
| 5.012% APR | ||
| 4.500% | ||
| 1 Point Paid | 4.839% APR | |
| Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it! | ||
"Shawn did a very good job, very trustworthy and dependable. I would come to him for advice again."
Julie Nelson
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
"You (Flat Branch Mortgage) are a very competent lender and trustworthy which is why you are successful."
Chuck Garriott (Garriott & Associates)
"Shawn Von Talge made my refinancing really easy and fast! Thank You!"
Darrell & Norma Sizemore
?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
Jim and Sarah made my refinancing experience great! I would recommend Flat Branch Mortgage to anyone looking to finance a home. The entire transaction was very smooth. You guys are great! Thank you so much!!
Shannon Barnes
"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 Mortgage 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 Mortgage- care of Shawn VonTalge! Thanks again Shawn."
Erin Daugherty
"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
"Shawn Von Talge went above & beyond to help us refinance. We especially appreciate his accessibility & promptness in answering our phone calls. I would recommend Shawn & Flat Branch Mortgage to anyone who is looking for a mortgage broker that looks out for your best interests."
Seth & Andrea Paul
"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
