(913) 219-5433

Apply with Joe

Joe Morris

Senior Mortgage Banker

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

Apply with Joe

Flat Branch Home Loans
Meet Joe Morris

Joe Morris is originally from Emporia, Kansas. Joe grew up in the savings and loan business with his entire family being involved in the industry. He has been in the mortgage business for over 30 years and has worked as a loan originator for over 15 years now. Joe has delved into many areas of the mortgage industry and believes his in-depth experience has helped him become a better loan originator for his clients. Joe understands that every client brings a unique story and he gets the opportunity to work with those stories. He strives to provide his clients with the loan program that best fits their family’s financial needs. Joe’s favorite loan program is the “right program for each and every client.” He knows how important and integral a mortgage product is in his client’s lives. He is dedicated to providing them with the best education and information they need to make the best decision for them and their families. Outside of the office, you’ll find Joe fly fishing out in the middle of a stream in the mountains of Colorado. Working one on one with a local, experienced loan officer is so important. To also have that loan officer backed by knowledgeable staff who handle your loan from start to finish is what makes Joe the key to your home buying success. In-house processing and underwriting allows Joe to better serve clients and help to make the process as smooth as possible. Joe 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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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 Joe 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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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 Joe today!

Mobile: (913) 219-5433

NMLS#: 423678

Email: jmorris@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.

What our clients say about Joe


"Joe is a true professional. It is a pleasure being his client because he is responsive, knowledgeable, and proactive throughout the loan process. I have originated two loans and two refinances through Joe and each experience has been effortless. Joe is happy to explain each option available to you and is satisfied only when he knows you are. We are happy in our new home knowing we have the best mortgage available to us. Thanks Joe."

- Clark

"Joe Morris is my "untouchable mortgage professional" and has helped me reduce the cost and timeline of my mortgage(s) many times.......all for zero cost! Joe is smart, understands economics, and keeps up with the very latest trends in banking and finance. He also knows me and my family very well, understands our needs, and consistently works to improve our mortgage debt positions. Finally, Joe and his staff are very efficient. They make it easy to finance or re-finance since they keep our records on file and do almost all the work. All we have to do is provide a few updated records, show-up, sign, and start saving! I recommend Joe and his team to everyone."

- David

"I can't recommend Joe and his team highly enough. I had spoken with other lenders and none of them were as excited about mortgages as Joe was. He ended up finding the best loan for my situation that ended up saving me a pretty good chunk of money every month. We went through several loan scenarios and crunched the numbers on each of them, looking at interest rates, PMI, and break-evens. As a first time homebuyer, I had a lot of questions going into the process... Joe always picks up the phone and has a thorough answer and explanation for all of them. The rest of his team was great to work with as well getting the paperwork put together. My loan closed on time, with absolutely zero headaches. And I know that I can always count on him in the future if I run into any questions. Again, could not recommend more highly."

- Max

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

4400 College Blvd 200
Overland Park, KS 66211

Mobile: (913) 219-5433

NMLS#: 423678

Email: jmorris@fbhl.com