(573) 234-4416

Apply with Emily

Emily Smith

Senior Mortgage Banker

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

Apply with Emily

About Emily


Emily Smith has more than 10 years of experience in the finance industry. She graduated from the University of Missouri with a BSBA emphasizing in Corporate Finance and Banking along with an Economics degree. Her beginnings out of college were in insurance and private investing before moving into the mortgage world over five years ago. Emily has been a Mortgage Loan Originator for more than five years and has worked at Flat Branch Home Loans since May 2017. During and after college, Emily sought real life experience in risk management/insurance. Working with private investor/mentor/commercial realtor on various business ventures is when she received her first taste in the real estate market, and pursued it. Applying her knowledge of personal and corporate finance, she specialized in VA loans. She helped veterans who were initially denied a loan, get in a position to purchase a home by applying tools to help clients understand budget, credit and VA benefits. Moving into the local banking sector, Emily had access to over 17 loan products to help reach a client’s needs. She takes a holistic approach to finance and how your mortgage fits into your overall financial picture. Living in Lake of the Ozarks, she loves to soak up water time with her amazing eight-year-old daughter. Her family and friends mean the world to her, so she enjoys planning gatherings and events to bring them all together. She loves kiddo’s too, and volunteers in the children’s ministry at her church twice a month. Emily exercises by running trails with her girlfriends. She has completed two “tough mudders,” a “spartan” race, two marathons and countless half marathons. Emily is a teacher by nature. With the ever changing mortgage industry and variety of products at Flat Branch Home Loans, her customers are always a pleasure to work with. Her best clients are the ones who keep the lines of communication open to help her understand what they are wanting to accomplish. Emily believes there are so many solutions, she just needs to understand the situation. 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 Emily to better serve clients and help to make the process as smooth as possible. Emily 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 Emily to get the process started.

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Get started with Emily today!

Mobile: (573) 234-4416

NMLS#: 1112187

Email: esmith@fbhl.com

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

101 S 5th Street Suite 200
Columbia, MO 65201

Mobile: (573) 234-4416

NMLS#: 1112187

Email: esmith@fbhl.com