(918) 505-4179

Apply with Kayla

Kayla Richardson

Mortgage Banker

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

Apply with Kayla

About Kayla


Kayla has stuck to service her entire career. For almost 10 years, she’s loved helping Tulsans purchase their dream homes and jumpstart their next chapters. Starting out in title, to title curative, to correspondent lending, all the way back to origination, Kayla knows the process from the front end to the back – giving her the knowledge to make a stressful process run smoother. Her drive is to get you to your dream. Kayla never stops moving. As a recent mother, even when she’s out the office, she’s running around chasing her 18-month-old toddler and playing at the park. It might get exhausting, but she loves the reward: a happy baby. She enjoys Flat Branch Home Loans because she can relax and also be herself. She views everyone as family, and as a longtime Oklahoman, she always feels at home. 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 Kayla to better serve clients and help to make the process as smooth as possible. Kayla 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 Kayla 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 Kayla today!

Office: (918) 505-4179

Mobile: (918) 520-6559

NMLS#: 1521261

Email: krichardson@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 Kayla 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 KaylaThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

2121 S Columbia Ave Suite 104
Tulsa, OK 74114

Office: (918) 505-4179

Mobile: (918) 520-6559

NMLS#: 1521261

Email: krichardson@fbhl.com