(573) 999-9187

Apply with Carter

Carter Arey

Senior Mortgage Banker

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

Apply with Carter

Flat Branch Home Loans
Meet Carter Arey

Columbia has been Carter’s homebase for him and generations of family for many years. So, providing loans to locals in the community really hits home for him. He understands the relationship between lender and borrower and hones in on this connection when locals stop in for their homebuying process. Carter has been working in loan origination for the past three years and in real estate for four years prior. To say he knows every step of the home-buying process is quite accurate. He connects so well with lending because of the teaching and coaching aspects of the job. In this profession, there’s a lot of information to take in, and he loves sharing this new knowledge with his first-time homebuyers. Carter believes building the trust, similar to a team bond, is the most fun part of his career. His upbeat and approachable character comes naturally as a native midwestern. Out of the office, he enjoys time off to fish, golf, and hang out with his canines. Just keeping it simple and positive is what gets his clients excited and into the groove of the loan process. Carter coined this formula as the “client-guarantee.” It’s the promise to be loyal and knowledgeable from start to finish, no matter the circumstance. 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 Carter to better serve clients and help make the process as smooth as possible. Carter 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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101 S 5th St Suite 200
Columbia, MO 65201

Mobile: (573) 999-9187

NMLS#: 1407055

Email: carterarey@fbhl.com

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The information provided by these calculators are for illustrative purposes only and are supplied on the current market average. All figures are hypothetical and may not apply to your individual situation. Be sure to contact a Mortgage Banker or financial professional for exact information.

What our clients say about Carter


"On day one, Carter said his promise was that he closes his loans on time. Carter is the best. As a first time home buyer, all of the mortgage "jargon" was Greek to me. Carter did an excellent job in explaining everything in a way that made sense. I had some wonky things on my credit and I never once felt judged or like it wouldn't be possible for me to get a loan. He was always available if I had questions and was always very responsive. You can tell he loves what he does and is very knowledgeable about this industry. His professionalism and work ethic is clearly reflected starting from the first interaction with him. As a first time home buyer, I heard about how awful the home buying process can be but he made the process so easy and painless. He worked directly with the realtor and would give me frequent updates. I would highly recommend Carter and would give more than 5 stars if I could."

- Sarah

"Carter was great to work with. You can tell he takes pride in his job and puts in tons of effort to make things happen and goes above and beyond to make it a great experience. He was there 24/7 on standby if I had any questions and was excellent at explaining the entire process. Being a first time home buyer he made it an awesome experience!! Not to mention he made it happen fast, Thanks man! "

- Gabriel

"Working with Carter Arey was a pleasure, and a very positive experience. We had to communicate long distance as we were planning to move from California to Missouri. Carter's proffesionalism reflects his work ethic, he was reliable, easy to get a hold of and made our job easy and stress free, from start to finish, considering the distance. Thanks for making homeownership possible, we are extremely satisfied doing business with Carter. "

- Eric

Apply with Carter 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.


Apply with Carter

101 S 5th St Suite 200
Columbia, MO 65201

Mobile: (573) 999-9187

NMLS#: 1407055

Email: carterarey@fbhl.com