Loan Programs Offered through Flat Branch Home Loans

Purchase

I'm a first time homebuyer!

First-Time Home Buyers

I'm interested in a flexible conventional home loan!

Conventional Loans

Work at a school? Police/Fire Department? Are you an EMT or 911 Staff?

Community Champions Program

I'm looking for a $0 down option for properties in eligible areas

USDA Loan Program

I have a little saved, but not much.

FHA Loan Program

I would like to use my veteran benefits.

I'm interested in a reverse mortgage!

Reverse Mortgages

I'm an American Indian seeking a home loan!

Indian Home Loan Guarantee Program

I need a loan with flexible credit and income guidelines.

HomeReady Programs

My income is low, but I'd like to buy a home!

I need a loan above the conforming limit

I'm a doctor or medical student seeking a home loan.

Doctor Loan Program

I need assistance with my down payment

Down Payment Assistance

Are you ready to buy now and sell later?

Are you self employed?

Bank Statement Loan Program

Refinance

I would like to refinance my home!

Guides

Ten simple homebuying rules.

10 Simple Home Buying Rules

Renting vs Buying

Renting vs Buying

Facts	WHAT DOES Flat Branch Mortgage, Inc DO WITH YOUR PERSONAL INFORMATION

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social security number and credit history Payment history and account transactions Transaction history and employment information when you are no longer our consumer, we continue to share your information as described in this notice
How?	All financial companies need to share customer's personal information to run their everday business. In this section below, we list the reasons financial companies can share their customer's personal information; the reasons Flat Branch Mortgage, Inc. choosed to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Flat Branch Mortgage Share?	Can you limit this sharing?
For our everday business purposes -such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes -information about your transactions, experiences and creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	Yes	Yes

Questions?	Call 866-508-4326 or go to flatbranchhomeloans.com

Who are we
Who is providing this notice?	Flat Branch Mortgage Inc
What do we do
How does Flat Branch Mortgage Inc protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Flat Branch Mortgage, Inc collect my personal information?	We collect your personal information, for examples, when you Obtain a mortgage or give us your contact information Provide account information or show us your government-issued ID Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit alll sharing?	Federal law gives you the right to limit only Sharing for affiliates' everday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies Flat Branch Mortgage, Inc. does share with affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Flat Branch Mortgage, Inc does share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service providers.