(314) 486-5091

Apply with Nichole

Nichole Frichtel

Senior Mortgage Banker

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

Apply with Nichole

About Nichole


With nearly 20 years in the mortgage industry as a processor and underwriter, Nichole has a plethora of knowledge regarding Conventional, FHA, VA and USDA financing and the corresponding guidelines associated with each product. Her goal is to educate her clients on the best program for their needs. Nichole works to present several options so that her clients can make a fully informed decision on their mortgage financing. Nichole works diligently with each client to clearly communicate and guide them seamlessly through the mortgage financing process. Having been in the industry for many years, she has a full understanding of the situations that can arise and knows the steps to guide her clients through to a successful closing. Having been raised in St. Charles County, living in Lincoln County, and working in St. Louis County, Nichole has a vast understanding of how diverse our area is and how each locale has different driving factors regarding real estate and the transactions best suited for each. Nichole has been happily married for over twelve years and is the proud mother to a handsome boy, Wyatt and a darling diva, Lillian. Both of whom she lovingly refers to as her “Little Natives.” She enjoys many different forms of service to her community, ranging from her service on many levels with her parish, Sacred Heart of Troy, to sitting on the Board with the Troy Area Chamber of Commerce. She has a strong belief in supporting her local community. Nichole would love the opportunity to work with you to secure the perfect mortgage loan program for your specific needs, and will work diligently to guide you through the process. 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 Nichole to better serve clients and help to make the process as smooth as possible. Nichole looks forward to giving each and every one of her clients the best experience in the purchase of their new home. Please reach out to her today!

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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 Nichole 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 Nichole today!

Mobile: (314) 486-5091

Fax: (636) 439-2954

NMLS#: 877324

Email: nfrichtel@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 Nichole


"Nichole Frichtel and the Flat Branch team were absolutely wonderful to work with!!! Purchasing a home can be very stressful, but Nichole's expertise and friendliness made the whole process very easy and exciting!!! "

- Brenda

"Nicole is the reason that I as a single mom with two kids and credit issues was able to purchase the wonderful home I am sitting in right now as I write this! Nichole is personable, kind, helpful, caring and very, very knowledgeable! I was told by at least 3 different lenders that with my credit history, salary, and lack of a huge down payment that there was very little hope of me purchasing a home any time soon. Probably not for at least a year. Not Nichole! She said let's get to work and told me step by step what I needed to do to improve my credit and situation. Nichole explained everything in a way I could understand and really worked with me to achieve my goal! I am so greatful for all the time and effort she put in to making my dream come true! I can't say enough about her professionalism and dedication! She is absolutely the best! Nichole actually got me in to a new home in 3 months! I have and will continue to recommend Nichole Frichtel and Flat Branch to everyone I know or meet! Thank you Nichole! You were a Godsend to my children and I!"

- Pamela

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

947 Waterbury Falls Drive
O'Fallon, MO 63368

Mobile: (314) 486-5091

Fax: (636) 439-2954

NMLS#: 877324

Email: nfrichtel@fbhl.com