Flat Branch Home Loans

✨ Let freedom ring! 🎆 Whether you're enjoying fireworks with family & friends, eating yummy BBQ, or reflecting on the spirit of independence, let’s remember to honor the red, white & blue! 🗽 Happy Independence Day, America! #FourthOfJuly #IndependenceDay #USA

🥳 We'd like to welcome our newest Flat Branch family member, Tuesday! 🎉 We're excited to have her as our newest Area Sales Manager in the Southwest, Missouri region. Learn more about Tuesday by clicking the link below ⬇️ 🔗 https://lnkd.in/gWf29cPN

The average American from ages 18-29 owe around $13K per year, that's why we're here as a resource to help you melt down your debt this summer. Check out our quick guide to the Avalanche vs. Sled methods! 🔹Avalanche Method: Focus on paying off debts with the highest interest rates first. Save on interest and get out of debt faster! 💥 🔹Sled Method: Start slow by paying off the smallest debts first. Build momentum by paying bigger debts and stay motivated by seeing those debts melt away. 🎉 Choose the method that works best for you and get one step closer to financial freedom! #DebtFreeJourney #DebtRepayment #MoneyMatters #FinanceGoals

🤔 Wondering how your credit affects loan applications and interest rates? 📉 Lenders look at your credit score, history, and debt-to-income ratio to figure out what a buyer's interest rate will be! A higher score can mean lower interest rates and better terms, while a lower score might cost you more. 💸 Manage your credit wisely...It can save you more in the long run! #FinancialHealth #InterestRates #MoneyMatters

🤔Let's talk about insurance! Understanding the difference between mortgage insurance and homeowners’ insurance and what roles they play in the homebuying process. 🏦Mortgage insurance, often required for borrowers who make a down payment of less than 20%, protects the lender in case the borrower defaults on the loan. It gives the lender confidence to offer mortgages with lower down payments. 🏡Homeowners insurance, on the other hand, is about protecting YOU and your investment in your home. This will cover damage or loss to your property and belongings due to events like fire, theft, or natural disasters. ❗While both types of insurance are important, they serve different purposes. Mortgage insurance may be a temporary requirement until you build enough equity in your home, while homeowners’ insurance is a long-term necessity to protect your most valuable asset.

👔Taking business casual to a whole new level…Who needs pants when you're crushing deadlines from the comfort of your couch?! 😊 Happy National Work from Home Day to those who are manning the fort from their home office. #PajamaProfessional #WFH

🎉We'd like to welcome our newest Flat Branch family member, John Gieras! 🙌We're excited to have John with us, and can't wait to see him flourish. Learn more about John by clicking the link below: https://lnkd.in/gQSPBg4z

Aaron King is no stranger to the mortgage industry. Having begun his career in 2002, he is keen on working with buyers of all financial backgrounds. 💪His one piece of advice that he offers buyers is to communicate effectively and to trust the process...Although the journey to homeownership can be daunting at times, it's important to remember that you're in goods hands with people who know exactly what they're doing! He is skilled in working with each loan type, so he is prepared to advise you in a way that will benefit you the most. Aaron looks forward to helping you get home! 💡 Learn more about Aaron by clicking the link below! https://lnkd.in/d7s-iWN4

🏡 Welcome to life after purchasing your dream home! Now that you have your finances in order and know what to look for while maintaining the health of your home, it's now time to talk about best practices for building equity over time. ✔️Regular maintenance and upkeep. Be sure to stay up to date on little repairs, upgrades, and landscaping. You will thank yourself down the road! ✔️Make strategic renovations & improvements…this is a nudge to finish the basement renovations you've been putting off. 😉 ✔️Stay consistent with your mortgage payments! This will pay down your principal and contribute to your equity. Consider making an extra payment here and there to accelerate equity growth. #LetsGetYouHome

Keep your homes cool & pockets warm with a lower down payment! Did you know that a common misconception about purchasing a home is that you need a large down payment? 🤯However, a little-known fact is that keeping more cash on hand by opting for a smaller down payment can provide you with greater financial flexibility in case of home emergencies or unforeseen expenses in the future... 🥶Like needing a new AC unit in the middle of summer... #MortgageMisconceptions #FinancialFlexibility