(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

About Zoe


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!

Photo of Zoe HughleyPhoto of Zoe HughleyPhoto of Zoe HughleyPhoto of Zoe HughleyPhoto of Zoe HughleyPhoto of Zoe Hughley

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 Zoe 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%
$
$

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 Zoe today!

Office: (573) 256-6577

Mobile: (573) 220-7338

Fax: (573) 256-6677

NMLS#: 1019550

Email: zoe@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 Zoe


Absolutely top notch customer service and definitely the best! We highly recommend Jessica, Zoe, Sarah, and Chris! They assisted us in every way possible answering all our questions and making the process simple and seamless. If you want true mortgage professionals, look no further, because you have found them at Flat Branch Home Loans!

John

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.


Get started with ZoeThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

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