(913) 305-3972

Apply with Michelle

Michelle O'Rear

Senior Mortgage Banker

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

Apply with Michelle

Flat Branch Home Loans
Meet Michelle O'Rear

Michelle Jones’s clients have said they enjoy how happy and calm she is when they’re feeling anxious during the loan process. They also love how Michelle's constant communication helps keep them always aware of what’s needed and the next best steps. Michelle started working in customer service in 1997, in the retail jewelry sales industry. Jewelry purchases are emotional by nature, as is purchasing a home. Michelle finds her experience in her former profession allows her to offer a heightened experience with homebuyers. She began working in the mortgage industry in 2012 and has been working at Flat Branch Home Loans as a Loan Originator as of July 2017. Outside of the office, Michelle enjoys family time. She has two dogs, one cat and her 11-year-old child has a Beta named, “Fish-with-many-names” (because his name keeps changing). Michelle’s fiance is a pilot, so she and her family love to go to airshows. 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 Michelle to better serve clients and help to make the process as smooth as possible. Michelle 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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9051 NE 81st Terrace Suite 200
Kansas City, MO 64158

Office: (913) 305-3972

Mobile: (913) 526-9981

NMLS#: 928910

Email: morear@fbhl.com

Apply with Michelle

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 Michelle


"Flat branch, is now a member of our family tree! Flat Branch provided exceptional personalized service executing our mortgage with terms better than anticpated. In addition, our loan will not be sold, therefore our relationship will continue to blossom. "

- Candace

"A dream to work with! We had the most amazing, headache free, stress free experience purchasing our home. We owe a huge thank you to Michelle and her truly amazing team! Would recommend anyone purchasing their new home to have her working in their corner. "

- Angie

"Better than working with a friend! I work in the mortgage industry, so I know what I'm doing for the most part. When my husband and I went to purchase a home, I STILL found myself confused and frustrated in moments. Michelle was available and calm. She answered questions (that I likely knew the answer to, but things just look different when you're the one in the hot seat) and listened to our concerns every time we had them (which was often). By far one of my favorite people to work with when purchasing our home and would recommend her to anyone and everyone I meet. "

- Beth

Apply with Michelle 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 Michelle

9051 NE 81st Terrace Suite 200
Kansas City, MO 64158

Office: (913) 305-3972

Mobile: (913) 526-9981

Fax: (816) 817-5470

NMLS#: 928910

Email: morear@fbhl.com