(636) 614-4599

Apply with Fred

Fred Elkins

Senior Mortgage Banker

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

Apply with Fred

About Fred


Fred Elkins is a Senior Mortgage Banker at Flat Branch Home Loans. In this role, Fred counsels clients regarding what loan programs are available to them, explaining both cost and benefits. He also discloses the many special programs that are available in today’s market. Fred recognizes that every client has individual needs and circumstances. He prefers to meet his clients in person so that together, they can develop a financing package that will best fit their needs. Fred is no stranger to the mortgage industry, having spent 25 years financing families’ homes. He spend 19 years as Vice President at Pulaski Bank in the mortgage division and 5 years as a Mortgage Banker at First State Bank. In these roles, he helped families determine financing programs that suited their needs while making himself available 7 days a week. 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 Fred to better serve clients and help to make the process as smooth as possible. Fred looks forward to giving each and every on of his 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 Fred to get the process started.

Check all that Apply


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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Monthly Payment:

Monthly Cost Breakdown:


Principal & Interest:

USDA Guarantee Fee:

Monthly Taxes and Insurance:

Loan Breakdown:


Purchase Price:

Down Payment:

Funding Fee:

Total Loan Amount:

Get started with Fred today!

Office: (636) 614-4599

Mobile: (314) 753-5666

Fax: (636) 200-5748

NMLS#: 454638

Email: felkins@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 Fred 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 FredThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

949 Waterbury Falls Drive
O'Fallon, MO 63368

Office: (636) 614-4599

Mobile: (314) 753-5666

Fax: (636) 200-5748

NMLS#: 454638

Email: felkins@fbhl.com