USDA Loan Product

"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."

"I will recommend Shawn Von Talge to anyone! He returned my phone calls and emails in a matter of minutes. I was a first time home buyer that had no idea how all this worked and he broke it all down to make sense. Thanks again Shawn for all of your help!"

"I would recommend Flat Branch Home Loans and Shawn Von Talge to anyone. Great service!"

"Shawn Von Talge's assistance throughout our loan application process has been outstanding. Mr. Von Talge provided professional and timely advice. He was accessible to both my wife and I following her initial meeting, giving us thorough recommendations of all required information for a VA loan. This reduced the overall time needed to complete the loan and allowed us to close on the house three weeks earlier than expected. Shawn's ability to keep us informed on our loan process and additional documents needed kept the overall process streamlined from application to closing. Nicole and I are very pleased with Mr. Von Talge's help and Flat Branch Mortgage, we knowing would use these services again for any future home financing and will recommend Shawn and Flat Branch to others."

"Shawn Von Talge made my refinancing really easy and fast! Thank You!"

For years, I had been dreaming about buying my first home, but I was afraid I would never be able to afford it. I live in a small rural town where it’s hard to make a lot of money. When I heard about the first-time home buyer tax credit, I decided that now was the time to try. After looking at a long list of homes, I fell in love with a house at the high end of my price range. My realtor recommended Flat Branch Mortgage and they helped me every step of the way. With their rural loan program, I was able to purchase the home with a small deposit of $500, $0 private mortgage insurance, and only $200 for closing costs! The monthly payment for mortgage, insurance and property tax turned out to be only $200 more per month than what we were paying to rent a small apartment. Flat Branch was so fast and thorough with the home buying process that we were even able to close a week early. Thank you, Flat Branch, for helping me to achieve my dream of purchasing a home in 2010. Very excellent, wonderful customer service. I couldn't be more pleased with Flat Brach Loans. Thank you so much, Shawn, Daisy, and Flat Branch. I was afraid that purchasing a home would be a daunting task but you really helped us through this process and made it as painless as possible, and in fact, enjoyable!

?I had an overall great experience working with Eric Hemmer. He was very courteous and professional throughout the refinancing process. He answered all of my inquiries in a very prompt, open, and honest fashion, which was very reassuring with the way that the markets are today. Eric made sure that I was completely informed every step of the way, which I am very thankful. I would definitely recommend him to individuals that are seeking to purchase a new home or refinance an existing home. ?

"Shawn was great to work with, he was up front with what he could do in comparison to other offers I had from different companies. He was constantly letting me know status and would submit request for information by e-mail so we were not playing phone tag. This was my 3rd refinance and it was by far the easiest and had little to know stress involved."

"I tried refinancing my home with several local banks that I have had long standing business relationships. Due to these relationships I wish to be kept anonymous, but safe to say Flat Branch Home Loans and Eric Hemmer in particular were 2nd to none! While all the other banks gave me the run around and ultimately could not close the deal, Eric was far different. He delivered on exactly what he said he would. I am very impressed. I never expected to get this type of service from a company that isn't a traditional bank. I am sold. Thank you!

Jessica made multiple trips to my place of employment to make things more convenient for me. She was always extremely helpful and easy to contact. I was able to buy my first home with very little hassle or stress thanks to Jessica Robertson and Jim Yankee.