(573) 397-5012

Apply with Sarah

Sarah Messer

Senior Mortgage Banker

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

Apply with Sarah

About Sarah


Sarah Messer is a Senior Mortgage Banker with Flat Branch Home Loans. She has been in the mortgage business for 14 years and has been a part of Flat Branch Home Loans since 2007. Sarah believes in 100% customer satisfaction and truly enjoys putting her clients into the homes of their dreams. Not only is Sarah available during the home loan process, but she continues to work with her clients long after closing. She monitors clients’ equity and offers mortgage advice when needed. Sarah believes in the ability for everyone to be homeowners and will work with clients on credit approval as well as making the loan process as smooth and easy as possible. Sarah graduated from Mizzou and after some time away, moved back to Columbia with her husband and 3 kids. Sarah loves spending time with her family at the lake and watching her kids compete in their sports. 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 Sarah to better serve clients and help to make the process as smooth as possible. Sarah looks forward to giving each and every one of her clients the best experience in the purchase of their new home! Call Sarah for all of your lending needs!

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What our clients say about Sarah


"Flat Branch was very transparent and upfront with the home loan process. As a first time home buyer I was expecting a mountain of obstacles and I couldn't have been more wrong. Sarah was alway there for us when we needed her and if I had to do it all over again, I couldn't imagine doing it with anyone else!"

- Daniel

"This is the second time using Flat Branch and Sarah Messer. As a fellow loan officer, I appreciate the ease and quickness of your loan process. Very organized and efficient. Thank you for your help!"

- Jody

"Sarah was very helpful in the purchase of our first home and our second! I've recommended her to several others who have also had a positive experience. Sarah is kind, professional, knowledgeable, accessible, and respectful. We appreciate all of her help and insight throughout the process!"

- Tabatha

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

3700 Monterey Drive Suite A
Columbia, MO 65203

Office: (573) 397-5012

Mobile: (573) 356-4198

Fax: (573) 234-6785

NMLS#: 254243

Email: sarah@fbhl.com