(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

About Carter


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

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Please select a value between $30,000 and $600,000$
USDA does not require a down payment!%
Please enter a value between 3 and 10%
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Mobile: (573) 999-9187

NMLS#: 1407055

Email: carterarey@fbhl.com

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.

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.


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

101 S 5th St Suite 200
Columbia, MO 65201

Mobile: (573) 999-9187

NMLS#: 1407055

Email: carterarey@fbhl.com