(314) 222-0730

Apply with Matthew

Matthew Krpan

Senior Mortgage Banker

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

Apply with Matthew

Flat Branch Home Loans
Meet Matthew Krpan

Matthew is a stickler for the details, and you need a mortgage professional who has the experience to know where the devil could be laying in those details. Experience, education and transparency are Matthew’s three keys to making sure that there are no surprises along the way. He wants his clients and their closings go the way he would want his to go if he were the borrower. The process starts with information gathering and once the goals of the client and their financial picture are clear, expertise of loan programs and underwriting requirements are needed to identify potential programs that fit the needs of the client and to identify pitfalls that could derail the process. This is where Matthew’s 15 years of experience come in to play, along with education and transparency. The most important part of the process is to educate clients on the available program(s) and loan process details, so clients know what to expect and when to expect it. Combining this approach with all the advantages that come with working with a great organization like Flat Branch Home Loans provides borrowers with the confidence that comes with knowing they’re working with a professional, supported by a great hometown Missouri lender. 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 Matthew to better serve clients and help to make the process as smooth as possible. Matthew 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 Matthew 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:

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Get started with Matthew today!

Office: (314) 222-0730

Mobile: (314) 496-3320

Fax: (314) 375-5182

NMLS#: 398807

Email: mkrpan@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 Matthew


"Mr. Krpan, a great representation of your company we hope to be doing business with him in the years to come thanks for your support."

- Maurice

"Thank you so much for all of your help with the purchase of my new home. You and your team have been nothing but amazing and I truly do appreciate everything you've done for me. I am settling in nicely, but still have a lot of unpacking to accomplish. "

- Amy Shepard

"We had talked to 3 others lenders and none of them were helpful and all said they couldn't do it. Matt took the time to talk to us and explain everything and he got it done on time and with no hidden fees or other surprises"

- Touy

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

11780 Manchester Road Suite 106
Des Peres, MO 63131

Office: (314) 222-0730

Mobile: (314) 496-3320

Fax: (314) 375-5182

NMLS#: 398807

Email: mkrpan@fbhl.com