Flat Branch Home Loans
Michelle Curry
Crystal Himmelberg
Julianna Cole
Warren Hoover

Flat Branch Home Loans Mission

At Flat Branch Home Loans, we believe in one thing, service to our customers. This is reflected in our mission statement:

Flat Branch Home Loans is a full service mortgage banker providing quality home loans to homeowners across the state of Missouri. We will save our clients money by negotiating lower rates and fees with our suppliers. Flat Branch will develop and build on our reputation for low rates with impeccable, local service.

With this statement as our guide, we look forward to delivering professional mortgage service to you.

9-9-2010
Today's Rates
Conventional
30 Year
Fixed
4.500%
4.594% APR
 
4.250%
1 Point Paid 4.423% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
20 Year
Fixed
4.375%
4.504% APR
 
4.250%
1 Point Paid 4.489% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
Conventional
15 Year
Fixed
4.000%
4.163% APR
 
3.750%
1 Point Paid 3.913% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
FHA
30 Year
Fixed
4.500%
4.733% APR
 
4.250%
1 Point Paid 4.558% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
VA
30 Year
Fixed
4.500%
4.733% APR
 
4.250%
1 Point Paid 4.591% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
USDA
30 Year
Fixed
4.625%
4.885% APR
 
4.375%
1 Point Paid 4.711% APR
Rates can change numerous times per day and every loan scenario is different. Please call for a detailed quote. The rates posted below are for a given scenario and your quote may vary. If you have a more competitive quote, give us a call and we will do our best to beat it!
"Shawn was extremely helpful because he explained things to me. I had many questions being a first time homebuyer. He was very fast in his responses as well. Thanks Shawn!"
Travis Cummins & Kristen German
"Eric Hemmer is an exceptional representative of Flat Branch Mortgage. He was very knowledeable and prepared, easy to communicate with, and made the entire process remarkably seamless. He was a very personable, well-mannered professional. I only wish I had gone to him sooner!"
Kendall Lewis
Jessica did a wonderful job helping me to understand every aspect of the loan process and answered all of my questions thoroughly. I appreciated very much the fact that she shared in my excitements and frustrations, and though I’m sure she was working with 30 other people, it always felt as though she was 100% present with me and my process. I will definitely recommend her to friends and family when they need loans.
Megan Lee
Sarah was thorough in explaining each step in the home buying process, which placed us at ease as first-time homebuyers. She answered any financial questions we had with confidence and was always reassuring. I would recommend her to any couple looking to purchase their first home.
Amanda Butler
Keep up the good work! Eric Hemmer was extremely easy to get ahold of. Even after hourse he answered all of my emails promptly. Communication and transparency were top notch. We scored a great deal on our mortgage thanks to Eric Hemmer!
Mark Jakubcewicz and Andrea Franklin
"I tried to work with Countrywide Home Loans (aka Bank of America) to secure a loan for my home purchase and was left with the impression that buying a home was simply something I was never going to be able to do. I was discouraged, confused and overwhelmed. Ready to give up, I contacted Shawn Von Talge at the recommendation of my realtor, Elissa O'Brien. I couldn't believe how different it was to work with Shawn. I found out quickly that not only could I get a loan, have minimal costs but that I did qualify for loans that I was told I didn't. He was clear, concise, straight-forward, and never left a conversation without ensuring I knew exactly what was happening. For a purchase that is so life changing the process has been unbelievably easy and for that I will always be grateful."
Jenna Sapp
Shawn had completely exceeded our expectations, making for a very pleasant lending experience. This was, by far, the best lending experience we've had and look forward to doing business with Shawn and Flat Branch Mortgage again. Shawn was most professional, attentive and timely. Within a matter of minutes we had answers to our questions. We are proud to say we've gained a friend in the process too. Thanks, Shawn!
Aaron & Jennifer Stoker
"Flat Branch Mortgage was always ahead of the game. I never had to contact them, they called me. The buying of my house was fast and easy. All I had to do was sign the papers. Keep up the good work!"
Florencio Escamilla
"Prior to this experience I had never heard of Flat Branch Mortgage. I would most certainly consult you prior to purchasing property again. Shawn Von Talge was extremely helpful, courteous, and friendly throughout the entire process. Thank you very much!"
James Vestal
"The whole entire process went smooth. I was very pleased with my Mortgage Banker (Shawn). I would use Flat Branch Home Loans again!"
Ryan Gastineau