Flat Branch Home Loans
Jim Yankee
Kelle Walters
Shawn Von Talge
Eric Hemmer

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 1.50-1.75% 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

3-13-2010
Today's Rates
Conventional
30 Year
Fixed
5.125%
5.223% 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
5.000%
5.132% 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 was very pleased with my broker's knowledge, professionalism and prompt attention to my questions and concerns. It was a very smooth process to purchase my home!"
Katie Emerson
"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
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
"Shawn Von Talge did an excellent job. We appreciate everything he has done for us over the last 3 years!"
Stacy & Vanessa Rice
"Flat Branch Mortgage made the refinancing of my home a smooth and stress free process. They handled everything in a timely manner and communicated the details of the loan in a way that I was able to understand. I have been a repeat customer of Shawn's and will continue to do so for year's to come."
Joe Thompson
Jim and Sarah made my refinancing experience great! I would recommend Flat Branch Mortgage to anyone looking to finance a home. The entire transaction was very smooth. You guys are great! Thank you so much!!
Shannon Barnes
"Shawn Von Talge & Eric Hemmer are professionals...always courteous, factual, prompt and accessible."
Jeff England
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
"Shawn Von Talge was great to work with he did all the work to get the loan ready all I had to do was sign the papers. Thanks to Shawn and all the people at Flat Branch Mortgage."
Chris Zielinski
"We will use Flat Branch Mortgage again. They were easy to use and were honest with their fees. I would recommend them to my family and friends."
Tom & Trish Atkins