(573) 442-3850

Apply with Dorothy

Dorothy Sapp

Senior Mortgage Banker

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

Apply with Dorothy

About Dorothy


Dorothy is a Senior Mortgage Banker with Flat Branch Home Loans. In this role, Dorothy’s main responsibility and goal is to work with clients to purchase a home. She enjoys building relationships with them and working hard to get them the best loan product available. Dorothy is no stranger to the mortgage industry, having spent 47 years working as a loan officer. Before joining Flat Branch Mortgage in 2010, she also managed a major mortgage company branch for 10 years. Dorothy enjoys being able to help her clients obtain the American Dream of home ownership! 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 Dorothy to better serve clients and help to make the process as smooth as possible. Dorothy 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 Dorothy to get the process started.

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

Office: (573) 442-3850

Mobile: (573) 864-5462

Fax: (573) 442-3851

NMLS#: 259702

Email: dorothy@fbhl.com

What our clients say about Dorothy


"I have known Dorothy for years and have depended on her knowledge and expertise. She is the best. Gold star to Dorothy! "

- Margie

"Dorothy was absolutely amazing to work with. I can get very high strung and worried and she was able to ease my mind about the whole process. Thank you Dorothy."

- Blandin

"Dorothy Sapp is a true mortgage professional. Her knowledge of the area, the properties, and maybe most importantly the processes makes her an instant asset in any residential real estate transaction you could have around here. She is cool, and she gets it done."

- Guy

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

101 S. Fifth St. Suite 200
Columbia, MO 65201

Office: (573) 442-3850

Mobile: (573) 864-5462

Fax: (573) 442-3851

NMLS#: 259702

Email: dorothy@fbhl.com