Flat Branch Home Loans
Tina Howard
Bob Peery
Julianna Cole
Dorothy Sapp

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.

9-6-2010
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!
"I was very satisfied with all services from Flat Branch. Shawn Von Talge was always thorough, well prepared and prompt. He was very accessible and answered all questions quickly and clearly. He made the process smooth and simple. I would highly recommend Shawn and Flat Branch to anyone."
Elizabeth Burns
"Shawn Von Talge was very knowledgeable and helpful during the loan process. He was happy to answer any questions I had and always returned phone calls in a timely manner. I was made to feel that no question was trivial or unimportant. I was treated respectfully and everything I needed to know was thoroughly explained. Shawn even made suggestions on moving and furniture buying. He went beyond what was expected and I appreciated all of his help."
Carolyn Adams
"Shawn Von Talge was very helpful throughout this whole process. I trust him completely and would highly recommend doing business with him."
Don & Kerri Wilkerson
Jessica was a professional every step of the process. She communicated with us in a timely manner and guided us every step of the way. We received great client services.
Ken & Joanne Tedesco
Dear Scott: I am writing this letter for the benefit of your future clients, as I strongly recommend you as a mortgage consultant and source. Scott began earning my business from the very first contact. He was always respectful of my time and my individual needs. He suggested that I look at his web site which has very helpful information for the consumer. Scott is interested in educating his clients and not just their mortgage business. Even though I was moving out of the area, he was eager for my business and willing to travel for my closing even though it was unnecessary. Scott was always available for consultation and advice as problems surfaced with a seller of a property that I was interested in. Scott's personality always came shining through as he always takes time to be patient and helpful and thus is a true business partner. Best regards,
Nancy G. Morton - St. Charles, MO
"I was very happy with Flat Branch Mortgage & Shawn Von Talge & the quickness with which they got my loan closed."
Jerry Kempf
"Eric, I appreciate your efforts to set-up and approve my loan and the efficiency with which the closing process took place. I will definitely refer other customers and you will get my repeat business."
Terry Bohanan
"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
"We feel Flat Branch Mortgage put us in a much better situation to achieve financial freedom. We were very happy with our service."
Timothy Billups
"I've worked with Shawn Von Talge before and have always enjoyed his candor on what loans would be in my best interest. As with the last loan I used to refinance my home, working with Shawn on this refinance was as easy as the last. Shawn is professional and always puts the client first. Thanks for your help on this loan...it closed without a hitch!"
Pam Walters