(573) 397 - 5015

Apply with Kelle

Kelle Walters

Senior Mortgage Banker

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

Apply with Kelle

About Kelle


Kelle’s career as a mortgage lender began at one of the nation’s top lending institutions at the time. After enjoying many years as a top Producer and Sales Manager, she has settled into the area’s fastest growing, cutting-edge mortgage company, Flat Branch Home Loans, in 2009. With some of the most experienced staff of underwriters, processors and loan officers in the Mid-Missouri area, the home buying/financing process is streamlined into an efficient and enjoyable experience. 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 this age of internet lenders and non-personalized service. Kelle is thrilled with helping many first time buyers, move up buyers and existing home owners navigate through the purchase and refinance process. She prides herself on excellent customer interaction and prompt knowledgeable service. Long term customer relationships are important to Kelle and that’s why she’s there for her clients long after the closing. Kelle truly considers it an honor to be part of such an important event in someone’s life as buying a 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 Kelle 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 Kelle today!

Office: (573) 397 - 5015

Mobile: (573) 268 - 2966

Fax: (573) 442 - 3851

NMLS#: 253779

Email: kelle@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 Kelle


"Kelle and her team were amazing! They made our home buying experience a breeze and were able to answer all of our questions quickly. The amount of time and hard work they put in to making sure we closed on the day needed was very appreciated and we wouldn't have rather gone to anyone else."

- Stacy

"The process was quick and simple. We closed in 24 days. Kelle, Allison, and team did an outstanding job from origination to signing the final closing docs. If we need to make another purchase or refinance we know where we are going first. Thank you Kelle and everyone else who worked on my loan."

- Chris

"This is the second mortgage I've worked with Flat Branch, specifically, Kelle Walters, on, and I really enjoy working with her. For my second home, I felt like my situation was a little more complicated than the first home I bought but Kelle walked me through everything and was a huge help. I'd recommend Kelle to any home buyer, she's wonderful."

- Ryan

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

1515 Chapel Hill Rd
Columbia, MO 65203

Office: (573) 397 - 5015

Mobile: (573) 268 - 2966

Fax: (573) 442 - 3851

NMLS#: 253779

Email: kelle@fbhl.com