Flat Branch Home Loans
Sarah Messer
Kelle Walters
Bob Peery
Shawn Von Talge

Loan Products

Flat Branch Home Loans provides a variety of loan products to meet your needs. Please click on any of the following for more information on that particular loan product.

3-9-2010
Today's Rates
Conventional
30 Year
Fixed
5.000%
5.097% APR
 
4.875%
1 Point Paid 5.055% 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
4.875%
5.006% APR
 
4.750%
1 Point Paid 4.993% 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
4.375%
4.540% 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!
FHA
30 Year
Fixed
5.000%
5.240% APR
 
4.750%
1 Point Paid 5.067% 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
5.000%
5.273% APR
 
4.750%
1 Point Paid 5.101% 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
5.250%
5.520% APR
 
5.000%
1 Point Paid 5.349% 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!
"I am very satisfied with Eric Hemmer. I felt like I got personal attention that many other companies would not provide. His service was very thorough and I believe he explored all options to get me the best possible rate for my refinance."
Jason Buck
"It is clear that Shawn Von Talge is a professional! He took care of us in a timely manner. He was very friendly & concerned about making the process as easy as possible. We would be happy to recommend him to anyone wanting to buy property."
Don and Peg Smith
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
"I am so impressed with Eric Hemmer of Flat Branch Home Loans. He was the only loan officer I spoke to that treated me as if my business was important. He went above and beyond to make sure I got the house I wanted and everything went so smooth. I cannot thank Eric enough! I will definitely refer everyone I know to him."
Mindy
"Thank you for everything. It is always nerve racking working with a new lender. You proved to me that you really care about your clients. I appreciate you always calling to keep me informed. I look forward to working with you again soon!"
Brooke Sydenstricker McCarty Weichert Realtors - First Tier
"My experience with Flat Branch Mortgage could not have been better. This means a great deal especially buying a home long distance. I felt TOTAL support in the information provided and a prompt response to all my questions. I was kept well informed and I would heartily recommend this company to any prospective buyers!"
Patricia Kome
"I was pleased with the service I received from Shawn Von Talge. It was a good experience and I would use them again in a heartbeat!"
Susan & Cade Mullins
"Shawn Von Talge did an excellent job. We appreciate everything he has done for us over the last 3 years!"
Stacy & Vanessa Rice
"I was very lucky to have Eric Hemmer help me in the process of my mortgage loan."
Alfredo Armas
Jessica did a great job. Very patient as we learned the process. Loved her comfortable, casual demeanor- and remained very professional. Will come back to Flat Branch Mortgage the next time around!
Anonymous