Flat Branch Home Loans
Brooke Peery
Kay Brooks
Tina Howard
Kelle Walters

FHA Loan Product

FHA Loans are a great way to save money on your home purchase or refinance.  Because these loans are insured through the federal government, FHA mortgages are easier to qualify for than conventional home loans.

The biggest benefit of an FHA loan is the ability to put a smaller amount of money down.  Buyers using this financing can put as little as 3.5% down towards their home purchase.  These loans also carry a 2.25% FHA funding fee that is rolled into the loan.  FHA borrowers also get to receive reduced monthly mortgage insurance compared to the monthly premiums on conventional loans that are over 80% loan to value.

Flat Branch Home Loans is a Full Eagle FHA lender servicing the entire state of Missouri.  Our status with HUD allows Flat Branch to underwrite FHA mortgages on behalf of the US Department of Housing and Urban Development.  This means that your FHA loan will all be processed and underwritten in Missouri by the friendly Flat Branch Home Loan staff.  Flat Branch makes FHA mortgages easy while saving you money.

To get qualified for your FHA loan, start here

9-8-2010
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
3.875%
4.037% 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!
"Tina (Howard), Thanks so much for all your hard work to make closing happen. You're the best."
Susie
"Tina (Howard), I just wanted to say thanks again for all of your hard work in helping me buy my first home. I truly believe I couldn't have done it without you by my side. We are very pleased with our home and have already started some big projects. Corey and I crack jokes all the time about "Welcome to homeownership". Thanks again! It was a pleasure and I feel like I picked up a new friend."
Corey and Trisha Wright
"This was my first home and Shawn was very helpful during the entire process. I would use Flat Branch Mortgage again and recommend it to friends, thanks!"
Juliet Bedell
"Shawn was a wonderful person to work with and was always there and accessible to us whenever we had any questions. It made the process so much easier knowing that we had his help whenever we needed it to explain anything that we were unclear about. I would definitely use Flat Branch again!"
Dawn & Tommy Jones
My husband and I just closed on our first home on March 19th. Tina Howard assisted us with our loan and I can not say enough of how wonderful she was throughout the whole process! Everyone has told me that buying your first home is a whirlwind and often times a chaotic experience. Tina was our calming voice within the storm. Being a first time homebuyer, the entire process was new to us. Tina was very patient with us and explained everything clearly so that we understood each step of the process and each form we had to sign. She was always willing to run numbers for us when we were still looking for a home to make sure that we were within our budget. As if this service was not enough, Tina gave us her cell phone number and talked with us in the evenings from her home which is when both my husband and I were available. Any time that our journey hit a bump in the road, Tina always stayed calm and reassuring as she worked with us to find solutions. I am beyond impressed and I enjoy seeing the look of shock on other people’s faces when I tell them about my experience working with Tina. I was also impressed at how friendly and helpful the rest of the staff was in Tina’s absence. They were very willing to answer questions and help to share in our excitement. My husband and I are very thankful to the staff a Flat Branch Mortgage and will recommend your team to other homebuyers.
Lydia Cecora
You did it again for the third time! (3 loans) Thanks so much for getting our loan processed at the interest rate and payment we needed. You do a great job!
Billy and Janice Orton
"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 Von Talge enabled us to have a wonderful experience in obtaining a home loan. I have dealt with other companies and have never had the outstanding customer service provided by Flat Branch. Shawn was able to get a loan for us that we were happy with and I don't know if another company would have tried so hard! The whole team was exceptional and I would recommend their services to anyone seeking a home loan."
Rich & Trina Hoelscher
"Shawn Von Talge made my refinancing really easy and fast! Thank You!"
Darrell & Norma Sizemore
"Shawn was a lifesaver. We started our FHA loan application with an internet-based company and it ended up being a total nightmare! We transferred our case to Flat Branch and Shawn saved the day. He was able to complete our closing within 10 days. Thanks you so much!"
Joey and Kari Wilson