(573) 256-6577

Apply with Zoe

Zoe Hughley

Senior Mortgage Banker

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

Apply with Zoe

Flat Branch Home Loans
Meet Zoe Hughley

Zoe began her career in mortgage lending in 2012. While finishing her Bachelor's degree at the University of Missouri, she was hired as part-time assistant to a loan officer at Flat Branch Home Loans. Six months later, Zoe began working full-time and started the licensing process to become a Loan Officer. She became a licensed Mortgage Loan Officer in April of 2013, and was trained by one of the top loan officers in the company. Zoe enjoys the fast-paced environment that comes with helping buyers obtain financing for a home purchase. She loves to help her clients through each step of the home-buying process. Giving her clients the best customer service is something in which she take much pride. Zoe’s always available, either in the office, via cell or through email. Her goal is to always give clients a sense of understanding of the process and never have to wonder what the next step of the process may be. Working as a loan officer for a thriving, local company like Flat Branch Home Loans is also extremely exciting for Zoe. 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 Zoe to better serve clients and help to make the process as smooth as possible. Zoe 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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33 E. Broadway Suite 255
Columbia, MO 65203

Office: (573) 256-6577

Mobile: (573) 220-7338

NMLS#: 1019550

Email: zoe@fbhl.com

Apply with Zoe

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 Zoe


"My wife and I were actually planning on going with a credit union for our mortgage at first, but Zoe’s impeccable service and immediate response to our needs left my wife and I so impressed, we could not say no to Flat Branch. Zoe is truly top notch. It’s extremely rare to get the opportunity to work with someone so courteous, professional, responsive, and simply just amazing at what she does. She made one of the most daunting processes we have to do in life a complete joy and a breeze. She single handedly was the reason why we chose Flat Branch Home Loans. Thanks Zoe!"

- Phil and Deidre

"There are many tough decisions to be made when building a house. Choosing who we wanted to have our home loan through was not one of them. Having worked with Flat Branch (Jessica and Zoe specifically) in the past, it was no question we would want to use them again. Zoe was again helpful, patient, organized, and kind. She and Jessica are amazing to work with and we will always recommend them. Thanks for helping make this exciting and overwhelming time in our life easier!"

- Brandon and Katie

"I must say that when Zoe Hughley at Flat Branch Home Loans was first suggested by my realtor, I thought that there would be many more home-loan officers to see. Being a first-time buyer, my caution levels were even more elevated since I was just becoming a new U.S permanent resident form the islands of St. Vincent and the Grenadines. But, it took only the first meeting with Zoe while working together in her office, for me to realize that this was the vibes of a blessing; the exciting prospects of having ‘the’ perfect gift for my daughter’s first birthday and owning a lovely home for us both took shape as reality. Now as a very contented home owner in the essence of gratitude and due-respect to Zoe, I would like to elaborate a bit on a couple of key factors that effectively describes Zoe’s capturing characteristic working atmosphere; Sincerity – it often felt as if she was assisting me as one of those friends back in the islands would; Very knowledgeable – while working with the very inexperienced me as a home buyer, she broke-down in detail the information regarding the financial options which made it quite easy for me to plan personally, and quickly compare with other loan institutions; Available – whether I was on work-related travels, or her dealing with my international financial institutions, Zoe found a way to keep things moving while making it seems effortless. It really goes without saying, but I’ll highly recommend that you go see Zoe Hughley at Flat Branch Home Loans today. "

- Nickie

Apply with Zoe 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 Zoe

33 E. Broadway Suite 255
Columbia, MO 65203

Office: (573) 256-6577

Mobile: (573) 220-7338

Fax: (573) 256-6677

NMLS#: 1019550

Email: zoe@fbhl.com