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Rating: 8.7 / 10 (Excellent)
3 Customer Reviews - see all comments
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Since 2005, Flat Branch Mortgage has been offering financing products to its clients to purchase, remodel, and refinance their homes. With its headquarters in Missouri, Flat Branch serves its customers in 17 states with over 40 offices. Flat Branch is a licensed mortgage banker with in-house underwriting, allowing them to provide clients with a high level of customer service throughout the entire loan process.
 
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How Do We Rate Flat Branch?

Breakdown

4.0/5
User Experience
4.5/5
Tools & Resources
4.5/5
Expertise

Our Overall Rating: 4.3 / 5 (Excellent)

Flat Branch Home Loans has carved out a unique reputation as one of the most consumer friendly regional mortgage banking organizations. Their near unanimous positive online reviews are a good indication the company consistently fulfills customer expectations. The VA loan, backed by the Department of Veterans Affairs, is just one of many products that Flat Branch excels in. Flat Branch also offers Jumbo loans, USDA/Rural Development, FHA financing, Reverse Mortgages, and more. Flat Branch Home Loans has considerable expertise in all these products, and its state-of-the-art mobile app provides a layer of accountability, transparency, and communication that is hard to find in today’s mortgage environment.

Flat Branch Tools & Resources

Lender Type
Mortgage Banker
VA Loan Types
IRRRL (Interest Rate Reduction Refinance Loan)
Purchase
Cash-out Refinance
Property Types
Single Family Home
Multi-family Unit
Townhome
Condo
Mobile/Manufactured Home
Term Lengths
30 Year Fixed
15 Year Fixed
Adjustable Rate Mortgage Terms
7/1 ARM
5/1 ARM
Maximum Loan Size
$424,100

Tools & Resources - 4.5 / 5

Flat Branch has a wide selection of fixed and adjustable rate VA loans for home purchase, remodeling, and refinance purposes. In addition, Flat Branch Home Loan also offers jumbo loans, refinance, and cash-in or cash out refinance options for the construction or renovation of single-family homes.

Flat Branch User Experience

Minimum Credit Score
600

User Experience - 4 / 5

Flat Branch allows customers to start the application process with a simple online form. A broker will follow up with the applicant's contact information to assist with the application process. Flat Branch now offers a mobile app on iOS and Android which allows both the applicant and broker to be in sync with the progress of the application. With the applicant's realtor in the loop, the mobile app from Flat Branch keeps everyone informed and minimizes delays.

Flat Branch Expertise

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
224149
Nationwide Mortgage Regulatory Actions
0
NMLS Collection Date
2018-08-28
CFPB Total VA Mortgage Complaints
3
CFPB Collection Date
2018-08-28

Online Reviews

BBB Rating
A+
Date Collected
2018-08-28

Expertise - 4.5 / 5

Flat Branch has earned an A+ from the Better Business Bureau with only a handful of complaints filed. Online reviews of the company have been nearly unanimous with positive reviews for the ease of their loan application and the helpfulness of their brokers. Consumers wanting to be sure they are taking full of advantage of all VA loan options with responsive brokers should consider Flat Branch.

Contact & Additional Information

Homepage URL
http://www.flatbranchhomeloans.com/
Company Phone
(573) 442-3850
Headquarters Address
101 South Fifth St, Ste 200, Columbia, MO, 65201
Year Founded
2005
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Latest Flat Branch Reviews

degould2319

5/9/2022
My wife and I made a payment on April 7, 2022 to Flat Branch for our house payment. (see attached) for confirmation email. Flat Branch did not try to process the payment until April 18 and 19 and due to emergency surgery (April 11) on my part, the payment was then returned due to inefficient funds at my bank due to the medical reasons. Brian Goff, from Flat Branch collections, called me on April 22 2022 stating he had blocked our online access to our profile and the only way to make a payment was to wire a payment, which will cost us even more. (see attached) Brian also threatened to report to credit bureaus with a late payment if 30 days late. Our payment is due the 1st of every month and... Read More

degould2319

5/9/2022
My wife and I made a payment on April 7, 2022 to Flat Branch for our house payment. (see attached) for confirmation email. Flat Branch did not try to process the payment until April 18 and 19 and due to emergency surgery (April 11) on my part, the payment was then returned due to inefficient funds at my bank due to the medical reasons. Brian Goff, from Flat Branch collections, called me on April 22 2022 stating he had blocked our online access to our profile and the only way to make a payment was to wire a payment, which will cost us even more. (see attached) Brian also threatened to report to credit bureaus with a late payment if 30 days late. Our payment is due the 1st of every month and... Read More

mikecampbellme

6/30/2021
I want to say just how ridiculous it was working with Flat Branch Home loans. They denied approval because I am self-employed. I own a marketing agency which is a digital business meaning I can do work anywhere. They didn't approve my home loan because they said the majority of my business wasn't in the state in which my wife and I wanted to relocate to. Ridiculous, I have the income to qualify and down payment as well as great credit scores as well. Don't get drug through their process, because it's one with stipulation.

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