Jessica Robertson

Jeff Kraft

Kay Brooks

Scott Batt

VA Loan Product

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

Negotiable interest rate.
Closing costs comparable – and sometimes lower - than other financing types.
No private mortgage insurance requirement.
Right to prepay loan without penalties
Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Veterans can apply for a VA loan with any mortgage lender that participates in the VA home loan program. You can apply with Flat Branch Home Loans here.

Flat Branch Home Loans is a leader in VA lending and has an experienced staff to serve your VA needs. To go one step further we employ a full-time VA specialist. He shares time between our home office in Columbia, MO and his office at Fort Leonard Wood. Scott's contact information is below.

Scott Batt - www.yourvahomeloan.com

878 Missouri Ave, Ste 2
St. Robert, MO 65584
P: (573) 268-4698
F: (312) 604-3772

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 would recommend Shawn to anyone who asked me about a home loan and actually I told Ryan Stephens to talk to Shawn and he bought a home. In addition I have told another friend about him and he is going to pursue a home loan through Shawn. Shawn is a very down to earth person and doesn't try to talk you into anything you don't want to do and is very professional. I would and will continue to recommend Shawn to all and anyone who asks me about purchasing a home!"

Josh Jolley

"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."

John Selk

"Overall Shawn did a very good job. The process as a whole went very smoothly. If we had any questions Shawn did great to answer them and explain the process to us."

Eric and Nicholle Christison

"Thank you so much for everything you did and for working with us & Gil in getting our loan. You helped make the process painless at least as painless as spending that amount of money can be. Thanks again!"

William & Alicia Burke

I would like to take this opportunity to thank you for all your help in making our dream of homeownership a reality. Thank you so much!

Travis & Jessica Peterson

"Flat Branch Mortgage was always ahead of the game. I never had to contact them, they called me. The buying of my house was fast and easy. All I had to do was sign the papers. Keep up the good work!"

Florencio Escamilla

"Tina (Howard), Thanks so much for all your hard work to make closing happen. You're the best."

Susie

"Shawn Von Talge was very helpful and informative. The loan closed within 15 days as promised. Thank you very much!"

Bill and Karen Swaim

"We are extremely pleased with the whole process of getting our new home. The loan process went smooth and very quick! Going into this, we had heard horror stories of people having problems at the last minute, so we really didn’t know what to expect. Shawn kept us informed the entire way, and if we had any questions, he responded usually within the hour! I would highly recommend Shawn Von Talge to friends and family. In fact, I have already! We will definitely be going through him for any future home purchases!"

Lindsey and Ben Dunn

"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