(573) 397-5396

Apply with Ross

Ross Woods

Senior Mortgage Banker

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

Apply with Ross

About Ross


Ross is a Loan Officer at Flat Branch Home Loans. In this role, Ross prequalifies prospective clients, generates home loans, communicates with all parties involved in transactions, maintains up-to-date knowledge of the ever changing industry and much more. Ross is no stranger to the mortgage industry. He began in the industry on the title side, and eventually made the transition to his current role as a Loan Officer. Ross has more than years of experience handling the beginning of the process all the way to the end. He understands what the process entails, and makes sure to help his clients get what needs to be done efficiently. Before joining Flat Branch Home Loans in August of 2016, Ross was responsible for recruiting new students as the Out of State Representative, which required extensive out of state travel. He met many people along the way and really enjoyed this, but he knew that one day he would get back into mortgages, which is why he is where he is today! Working 1 on 1 with a local, experienced loan officer backed by knowledgeable staff is very important. In-house processing and underwriting allows Ross to better serve clients and help to make the process as smooth as possible. Ross 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 Ross 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 Ross today!

Office: (573) 397-5396

Mobile: (573) 644-2237

Fax: (573) 397-5357

NMLS#: 1455204

Email: rwoods@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 Ross


"Ross was Awesome, he went above and beyond to help us get into our new home."

- Gwendolyn

"Ross was fantastic to work with!"

- Debra

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

101 S. Fifth St. Suite 200
Columbia, MO 65201

Office: (573) 397-5396

Mobile: (573) 644-2237

Fax: (573) 397-5357

NMLS#: 1455204

Email: rwoods@fbhl.com