Flat Branch Home Loans
Kay Brooks
Dorothy Sapp
Eric Hemmer
Julianna Cole

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

9-3-2010
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!
"Shawn Von Talge could not have made the buying process any better for us. He is very personable and it is clear that he enjoys what he does. I believe that is how he makes his customers so comfortable with this process."
Michael & Lisa Sexton
"Shawn Von Talge provided me with exemplary service and truly brought professionalism and patience in equal parts to my home buying process. As a first-time buyer, I had many pre-conceived notions and concerns about the lending process…..especially with the current lending market being such a challenge. Shawn answered each question appropriately and remained accessible through every step of the process. Most importantly, Shawn delivered on every promise he made and no one (first timer or seasoned investor) could possibly ask for more!"
Dennis Lewis
We just recently purchased our first home and the process can be quite intimidating but Shawn and the team at Flat Branch Mortgage made it easy and almost completely effortless for my family. We appreciate Shawn and Flat Branch Mortgage’s professionalism and the fact that it seems like you care about your customers. I would feel extremely confident in recommending their services to anyone. It is very rare that I rate anyone or anything at the highest rating throughout a survey; Shawn and Flat Branch Mortgage are the exception. As hard as I try to think of even one aspect of our experience with them that was unfavorable, I can't. Good communication and accurate information are the keys to a smooth transaction. Shawn Von Tagle and Flat Branch Mortgage are outstanding. We highly recommend Flat Branch services as you proved yourselves trustworthy of the most important transaction…buying a home. Shawn, I want to thank you for your assistance and professionalism in getting this deal put together You were always pleasant , informed, helpful and always followed up in a timely manner. You are quite an asset any organization would be fortunate to have. Thank you again
Glen & Peggy Botts
"My closing was a long one, I signed my contract in August and my closing wasn't until the end of October. Shawn made my home buying process a breeze! He was very quick at responding to any questions I had and I had a lot of them! Overall I was very happy with my experience and I would definitely use Flat Branch again!
Brandi Dean
My experience with Eric was awesome! I had talked to previous lenders and none of them seemed as interested with the loan process getting done as Eric did. Anytime there was a question that my wife or I had, Eric answered it in a timely manner (within an hour of asking). I would definitely recommend Eric with Flat Branch Mortgage to any of my friends and family.
Allen & Bobbi Long
"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
"Shawn, thank you again for all of your hard work. The process was as smooth as expected. Your efforts were definitely above and beyond any other loan officer/company I had worked with in the past. No doubt I will be recommending many people to you that are looking for your services."
Stephen Wilson
Eric was great to work with. He was extremely knowledgeable and he returned my calls promptly. Eric was able to present me with a variety of options for my loan package. He was able to easily and clearly explain any questions I had. I wouldn't hesitate to recommend him to a colleague or work with him on any future loans.
Dr. Deborah Fine
"As a First Time Homebuyer I really did not know what to expect in the entire loan process. I was well informed and guided through every step of the way. Eric helped me with documentation and saved me a tremendous amount of time. I really appreciate the service I received from Flat Branch. Thanks!"
Melissa Christie
Jessica Robertson was absolutely amazing from beginning to end. Thank you so much for everything!
Valerie Partch