(314) 872-0998

Apply with Amy

Amy Hess

Senior Mortgage Banker

Flat Branch Home Loans offers a variety of mortgage products to meet your needs.

Apply with Amy

About Amy


Amy Hess’s previous experience had her deep in the VA loan process as a VA Loan Specialist for a nationwide lender. Her dedication to educating veterans on the benefits of the VA loan program is quite extraordinaire and we are proud to have Amy with us at Flat Branch Home Loans. Amy has more than 10 years of lending experience, so she is no stranger to the mortgage industry. While Amy is new to Flat Branch Home Loans, having joined in 2014, she has shaped her home loan education skills to higher levels. Amy consults with Missouri and Illinois buyers to establish goals for home ownership, financial constraints, and determine the loan program that meets their needs. Working with first-time homebuyers is especially rewarding as she enjoys counseling homebuyers from the beginning to the end of the loan process. Working one on one with a local, experienced loan officer backed by knowledgeable staff handling your loan from start to finish is so important. In-house processing and underwriting allows Amy to better serve clients and help make the process as smooth as possible. Amy looks forward to giving each and every one of her clients the best experience in the purchase of their new home!

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Estimate Your Monthly Home Loan Payment

Take a look at your potential monthly payment on a new home or by refinancing your current home, and connect with Amy to get the process started.

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USDA does not require a down payment!%
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Get started with Amy today!

Office: (314) 872-0998

Mobile: (573) 291-2704

Fax: (314) 219-8575

NMLS#: 58000

Email: ahess@fbhl.com

What our clients say about Amy


"Flat Branch employees are awesome just awesome. They took care of my needs. Each time I meet with any of them they showed great customer service. I rate them 100 percent. Mrs. Amy Hess and Mr. Steve Clifford ROCK!"

- Betty

"Everyone I've dealt with has been professional, informative and helpful. Especially Amy Hess -- she's the best. All my questions were answered in a timely manner. She's definitely an asset to Flat Branch."

- Bonnie

"This is my second experience with Flat Branch, and I continue to be impressed. Amy has been great to work with, and Stephen was fantastic as well when Amy was out of office."

- Megan

Apply with Amy today

Flat Branch Home Loans offers a variety of mortgage products to meet your needs including conventional loans, FHA loans, VA loans, USDA loans and many others.


Get started with AmyThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

16150 Main Circle Drive Suite 220
Chesterfield, MO 63017

Office: (314) 872-0998

Mobile: (573) 291-2704

Fax: (314) 219-8575

NMLS#: 58000

Email: ahess@fbhl.com