Flat Branch Home Loans, Columbia MO

They did a great job with the details during the homebuying process which I appreciate, but they immediately sold our loan to a horrible company: PHH mortgage. Flat Branch said they assumed I wanted the lower interest rate and because of that, they had to agree to sell the loan. I told them I actually wouldn't mind paying the higher interest rate for FB to service the loan. They said it was too late; they already locked in my rate. My husband and I have stable incomes from the university. The whole reason we chose them was to stay local. After I expressed additional concern, our broker said she would check on it. She then spoke to me like they would keep us saying things like " 'we' can recast after a few months. " I'm sick to my stomach and worried about the horrible company we were sold to.

A special thank you to Christopher Travis for making the home loan process stress free for my husband and I. He was very quick to respond to any of our questions or concerns even if it was outside of normal working hours and we could not be more grateful for his help! We definitely recommend him and his team! We are so grateful to have worked with him.

Laura Kogut at FBHL is the best in Columbia! She made the entire process so easy and I knew I could trust her every step of the way. I wouldn’t take my business anywhere else!

Joe was a pleasure to work with. Joe makes this process easy and works with you. Joe will get you a great rate and make this process painless. Joe works hard and is dedicated to meeting the needs you have. Joe explains everything you need to know about your loan and helps you understand. Joe ensures that the process is smooth and done way before the deadline. He takes quality in his work and his service speaks volumes. Save the stress, give Joe a call with no regrets.

We do not have enough kind words to say about Tom Stone and Kegan Brown. Tom has guided us and helped teach us what it took to get ourselves into a home loan for over a year now.

They both were so patient and sensitive to our specific needs, and they always made us feel like we had their full attention and were a priority to them, rather than just a file on their desk. Kegan was so prompt and dedicated to helping us And taking time to explain things to us during this process.

They worked with us in every way possible to not only get the loan closed but to make it smooth and seamless. It was truly the experience we had always dreamed of that now, we don’t feel like we would of received going anywhere else. The service, kindness and just the entire process was OUTSTANDING and left my husband and I wishing there was something we could do in return to show our appreciation to them.
Thank you Tom and Kegan for holding our hands and making our dreams and goals a reality. Also thank you to the processing team who worked diligently to gather all the necessary documents to get our loan completed in a speedy timeframe. Stellar company, stellar people!

Flat Branch made closing my mortgage loan very easy and simple. Sarah and her team made the process very much an enjoyable experience.

I do not recommend Christopher Travis. He stopped replying to me when I asked him certain questions about the pre-approval process. I even followed up with him and he still did not reply back! Luckily I was approved with another mortgage company anyway.

Zoe and her team made our refinancing process smoother than I could have hoped for! She went above and beyond to make sure all of our questions were answered in a timely manner, and handled everything with professionalism, attention to detail, and kindness. We felt like valued customers from the very beginning, and would definitely recommend this team!

Laura and her team did a great! It was the easiest mortgage process I have ever been through.

I appreciate being reached out to by Sarah Messer, with the opportunity to refinance and save some money. The process was made very simple for me. Thank you so much, Sarah and Flat Branch Loans!

FBHL is a honest mortgage lender that provides great service throughout the entire process. The process is very transparent and free from hidden costs and last-minute surprises at or near closing. So if you are thinking about purchasing a place, go see FBHL in Columbia.

Ross, Daisy, Scott and the team at Flat Branch are true professionals that leave nothing undone. They are very detailed-oriented and walked with our family every step of the way in our home buying process. Could not be anymore satisfied with Flat Branch Home Loans. Thank you!

Joe Rivera was great to work with. He kept us updated on the process and it ran smoothly despite a few delays out of his control.

Crystal and her team helped us close quickly on a loan when our previous lender could not. She was in constant contact during the process and was available for any questions or concerns we had. Without her help we would have probably had to start looking for another home again. Buying a home at this time is very stressful so you need a lender that can help you when issues come up (as they always seem to). The best!

Kelle Walters and her team were such a pleasure to work with! They were quick to respond and very thorough whenever we had questions. They told us exactly what they needed from us. We never had any doubt that our home loan would close on time.

I worked with Tom Stone and team to get a mortgage for my first home. The process was painless. They are professional, easy to contact, and great to work with. I would highly recommend them.

Working with the Flat Branch members was a pleasure. All questions were answered in a timely matter and the loan process was fast and painless. Thank you all for your help in this process.