(573) 442-5932

Apply with Tom

Tom Stone

Senior Mortgage Banker

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

Apply with Tom

(573) 442-5932

(573) 489-4059

(573) 442-3851

tom@fbhl.comNMLS # 588863

About Tom


Tom Stone has more than 24 years of experience in sales and service, having been a professional with the Boy Scouts of America as a District Executive. He is no stranger to the mortgage industry, having spent 16 years in the business. He primarily worked in the banking industry with a focus on mortgages, and specialized in single family home construction and built a small commercial loan portfolio while working for small community banks. Tom is a Senior Mortgage Banker at Flat Branch Home Loans and moved to our business 2012. With his time at Flat Branch, Tom helps clients in all aspects of home financing. Whether you’re a first-time homebuyer or moving up, Tom uses his knowledge to help find the best loan option available for your purchase. He also assists existing homeowners with refinancing options. 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 Tom to better serve clients and help to make the process as smooth as possible. Tom 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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Take a look at your potential monthly payment on a new home or by refinancing your current home, and connect with Tom to get the process started.

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Get started with Tom today!

Office: (573) 442-5932

Mobile: (573) 489-4059

Fax: (573) 442-3851

NMLS#: 588863

Email: tom@fbhl.com

What our clients say about Tom


"I cannot say enough nice things about Tom Stone. He was amazing and made my dream come true! When I first met with Tom, he gave me hope that he could find a loan and a loan payment that would work within my budget. He was always positive and quick to answer any question I had. He explained every process to me (several times, I'm sure) and made the whole home buying experience easy and smooth. I've purchased several homes but the financial aspect has never been this easy! Thank you!"

- Kelly

"The beginning of our loan experience with Tom was great. He was more than helpful with us being as we are first time home buyers. He sat with us and discussed all the options. We really appreciated that aspect of the experience. Tom was knowledgeable and responded to our questions quickly."

- Tyler

Apply with Tom 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 TomThe 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) 442-5932

Mobile: (573) 489-4059

Fax: (573) 442-3851

NMLS#: 588863

Email: tom@fbhl.com