(314) 222-0730

Apply with Andrew

Andrew Biro

Senior Mortgage Banker

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

Apply with Andrew

About Andrew


Andrew Biro currently works with over 125 Realtors in the St. Louis Area. For over 14 years, he has specialized in Home Purchases, especially First Time Buyers, and has expertise in FHA, Conventional, MHDC, VA, Rural USDA, and Jumbo Loans. Whether purchasing, refinancing, primary or investment, Andrew focuses on getting the best results for your financial goals. Personal attention and a vast product line allow his clients to get the very best options available. Prior to Flat Branch, Andrew spent almost 10 years with Heartland Bank as a Vice President. He has been originating loans for over 14 years. “At Flat Branch Home Loans, we underwrite our own loans, we make their own decisions, and we do it all locally. This gives Flat Branch a huge advantage in the market!” 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 Andrew to better serve clients and help make the process as smooth as possible. Andrew looks forward to giving each and every one of his clients the best experience in the purchase of their new home!

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What our clients say about Andrew


"Andrew and Lindly were AWESOME! I felt like I was in great hands with my new home sale. They were extremely helpful and communication was top notch! Thank you for a great first home buying experience!"

- Julia

"Andrew and Bobbi and the whole team was very helpful. Andrew especially sat with me before starting and went over financials. Bobbi made sure everything was in order and processed on time."

- Sandra

"Friendly and efficient, things worked out even better then we all expected"

- Dennis

Apply with Andrew 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 AndrewThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

11780 Manchester Road Suite 106
Des Peres, MO 63131

Office: (314) 222-0730

Mobile: (314) 221-0292

Fax: (314) 375-5182

NMLS#: 742327

Email: abiro@fbhl.com