Team Patterson - Flat Branch Home Loans

Team Patterson - Flat Branch Home Loans In-house processing and underwriting allows Jessica to better serve clients and help to make the pro

Jessica is no stranger to the mortgage industry, having spent almost 20 years as a Loan Processor, Loan Officer Assistant, Account Executive and now a Senior Mortgage Banker. As a Senior Mortgage Banker at Flat Branch Home Loans, Jessica is responsible for guiding clients along their home purchase/refinance timeline. Ensuring they are making informed and educated decisions is important to her. Ult

imately, Jessica strives to make her clients’ home loan process as streamlined and enjoyable as possible. Working one on one with a local, experienced loan officer backed by knowledgeable staff handling your loan from start to finish is so important. In-house processing and underwriting allows Jessica to better serve clients and help to make the process as smooth as possible. Jessica looks forward to giving each and every one of her clients the best experience in the purchase of their new home!

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍A buydown program a...
09/03/2026

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍

A buydown program allows for a temporarily reduced interest rate at the beginning of your loan, which can mean lower monthly payments upfront. 📉🏡

We offer buydown options designed to help buyers ease into homeownership while planning for the future.

Reach out today and let's explore your options together!

For more information on our buydown programs, click here: https://flatbranchhomeloans.com/loan-programs/buydown-programs

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔Inventory simply refers to...
09/01/2026

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔

Inventory simply refers to the number of homes currently available for sale in a market. ✅

For buyers, inventory can impact:
🏠 How many homes you have to choose from
💰 How competitive the market feels
⏰ How quickly you may need to make an offer

Understanding inventory is one of the first steps to making a confident homebuying decision. If you're thinking about buying, we're here to help you!

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!With this loan, you...
08/27/2026

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!

With this loan, you can:
✅ Finance the home purchase and renovation costs with one mortgage
✅ Enjoy one closing and one monthly payment
✅ Make updates like kitchen remodels, flooring, roofing, HVAC upgrades, and more
✅ Access a low down payment option starting at 3.5% for qualified borrowers

A fixer-upper could open the door to more home options and the opportunity to build equity. 🏠

Learn more about our Renovation Loan program here: https://flatbranchhomeloans.com/loan-programs/203k-renovation-loan

Before you start touring homes, a little prep work can go a long way! ✅Here are a few things we recommend before steppin...
08/25/2026

Before you start touring homes, a little prep work can go a long way! ✅

Here are a few things we recommend before stepping through the front door:
💰 Get pre-approved so you know your budget
📊 Review your monthly payment comfort zone
📝 Make a list of your must-haves vs. nice-to-haves
🚗 Avoid major purchases that could impact your financing

Whether you're buying your first home or your next one, we're here to help every step of the way!

Think your credit score is holding you back from buying a home? 🏡 Let's clear up a few common credit myths:🚫 Myth: You n...
08/20/2026

Think your credit score is holding you back from buying a home? 🏡 Let's clear up a few common credit myths:

🚫 Myth: You need perfect credit to buy a home.
✅ Reality: Many loan programs are designed for a range of credit profiles.
🚫 Myth: One missed payment means you can't qualify.
✅ Reality: Lenders look at the full picture, not just one moment in time.
🚫 Myth: Credit issues can't be improved.
✅ Reality: Small steps can make a big impact over time.

Not sure where you stand? Let's explore your options together!

Not all home loans are the same, and finding the right fit can make a big difference! 🏡Here are a few of the most common...
08/18/2026

Not all home loans are the same, and finding the right fit can make a big difference! 🏡

Here are a few of the most common loan programs we help homebuyers explore:

🌾 USDA Loans
• Designed for eligible rural and suburban areas
• No down payment required

🏅VA Loans
• Available to eligible veterans, active-duty service members, and surviving spouses
• Zero down payment and flexible qualifying options available

🔑 Conventional Loans
• Great option for many buyers
• Flexible terms and down payment options available

✨ FHA Loans
• Often popular with first-time homebuyers
• Can allow for lower down payments and more flexible credit requirements

Every homebuyer's situation is unique. We're here to help you understand your options and find the loan program that best fits your goals. 💚

For more information on the programs we offer, visit here: https://flatbranchhomeloans.com/loan-programs

Did your home purchase deal fall through? Take a deep breath. It's time to bounce back. 💪While it can be disappointing, ...
08/13/2026

Did your home purchase deal fall through? Take a deep breath. It's time to bounce back. 💪

While it can be disappointing, it doesn't mean your homeownership journey is over! We'll review what caused the deal to fall through, confirm your financing is still in place, update any needed documents, and help you stay prepared for the next opportunity that comes your way. 🏡

The right home is still out there, and we're here to help you keep moving forward with confidence. 🙌📲

Wondering what happens when you lock your mortgage rate? Here's a quick breakdown: 📋 We review your loan details and tim...
08/11/2026

Wondering what happens when you lock your mortgage rate? Here's a quick breakdown:

📋 We review your loan details and timeline
💬 We discuss available rate lock options
🔒 Your interest rate is secured for a set period
🏡 Your loan continues through processing and underwriting

A rate lock can provide peace of mind by protecting you from market changes while you work toward closing!

Have questions about when to lock? Reach out today!

Before you start house hunting, there's one number every homebuyer should know: your DTI ratio. 🏡Your DTI (Debt-to-Incom...
08/06/2026

Before you start house hunting, there's one number every homebuyer should know: your DTI ratio. 🏡

Your DTI (Debt-to-Income) ratio compares your monthly debt payments to your monthly income. It's used to help determine how much mortgage you may qualify for! 💡

Common debts included in DTI:
🚗 Car loans
🎓 Student loans
💳 Credit card payments

Wondering where your DTI stands? Check out our DTI calculator here: https://flatbranchhomeloans.com/resources/dti-calculator

Wondering if now is the right time to buy? 🏡✅ Buy now if:Your income is stableYou have savings for upfront costsYou're r...
08/04/2026

Wondering if now is the right time to buy? 🏡

✅ Buy now if:
Your income is stable
You have savings for upfront costs
You're ready to settle into a home

⏳ Wait if:
You're working on your credit
You're building your savings
A big life change is around the corner

The best time to buy is when you're financially ready, not when you're trying to time the market. Let's talk about your options! 📲

Address

14755 N. Outer Forty Road #110
Chesterfield, MO
63017

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