Flat Branch Mortgage INC

Flat Branch Mortgage INC

Maximum Leverage

Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term (DSCR)
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Loan Programs
Property Types and Loan Types
Junior Liens
Junior Lien Loan Amounts
Junior Lien Interest Rates
Origination Fees
Junior Lien Loan-to-Value
We Fund Junior Position Loans
Land Loan
Max LTV for Land
Max LTC for Land Acquisition
Purchase Loan
Max Loan-to-Purchase Price
Borrower Must Have Property Under Contract
Will Provide Proof of Funds Letter
Will Consider Lending on Purchase from Auction
Rehab Value Add Loan
Experience Required
Minimum Number of Value-Add Projects Completed by Borrower
Will Consider Lending on Purchase from Auction
Max LTC for Renovation Costs
Interest Charged for Renovation Costs
Typical Number of Days for Funds Draw
Construction Loan
Development Experience Required
Minimum Number of Ground-Up Construction Projects Completed by Borrower
Max LTC for Ground-Up Construction Costs
Interest Charged for Construction Costs
Will Lend on Partially Completed Construction Projects
Residential Long-Term DSCR Loans (1-4 Units)
Minimum Loan Amount
Maximum Loan Amount
Minimum Interest Rate
Maximum Interest Rate
Minimum Origination Fee
Maximum Origination Fee
Minimum Loan Term
Maximum Loan Term
Minimum Loan-To-Value
Maximum Loan-To-Value
Minimum Property Value
Seasoning Time
Minimum Debt Service Coverage Ratio
Minimum Credit Score
Will lend on vacation homes and short-term rentals
Will Lend on a Portfolio of Properties

Details and Requirements

Maximum Units for Multifamily Properties
Pre Payment Penalty
Deposit Required
Will lend to a foreign national
Will Consider Equity Joint Venture
Personal Guaranty (Recourse) Required
About

We started Flat Branch with the vision of creating the best mortgage company. We focus on doing things right, closing loans on time, and hiring only the best people

Family Atmosphere

We produce successful work for our clients by cultivating a family atmosphere through our teams in the office. Flat Branch Home Loans seeks to maintain a strong, positive relationship between operations and sales in an effort to further improve the customer experience.

Live, Work, Play & Serve

At Flat Branch Home Loans, we live, work, and play in the communities that we serve. Our involvement in our communities drives our passion for equipping you and your family with the best possible homebuying experience.

World Class Support

We believe in hiring the best in our trade. We make sure to provide them with the best resources, tools, and genuine support that they need to better serve you through the homebuying process. We also offer in-house underwriting and processing for our loan origination operations, so you can take your loan from start to finish with us.

Industry Knowledge

Our team of professionals possess the expertise and well-rounded experience within the mortgage industry to serve you with a loan product that is cost-effective and best fit for you.

Year Established
2006
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Reviews

Team

Conrad Eberhard
NMLS #419438
Arkansas, USA
Molly Dean
NMLS #259721
Missouri, USA
Ronda Hickey
NMLS #712473
Missouri, USA