The McRae Team

The McRae Team We help you get the mortgage you deserve through 4 simple steps. Equal Housing Lender. NMLS 224149. For licensing information, go to: nmlsconsumeraccess.org

Brian McRae NMLS: 595479
Brad Wilmotte NMLS: 1044412
Rachel Rufkahr NMLS: 298479

A division of Flat Branch Mortgage, Inc.

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵 Loan-to-value = loan amount ÷ home val...
06/04/2026

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵

Loan-to-value = loan amount ÷ home value × 100

LTV stands for loan-to-value, or how much you’re borrowing compared to the home’s value.

Why it matters:
📈 Higher LTV can mean a higher payment
💰 Lower LTV could help you save over time

Even a small change in your down payment can impact your LTV ratio. ✅

Let’s get you home!

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think: ✔️ You have consistent income ...
06/02/2026

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think:

✔️ You have consistent income and at least 2 years of work history
✔️ Your credit score is in a qualifying range and you are managing debt well
✔️ You have some savings built for a down payment plus closing costs

Want to discuss your options further? Reach out today!

Homeownership looks different for everyone, and choosing your path starts with finding the right loan program. 🏡 Here ar...
05/28/2026

Homeownership looks different for everyone, and choosing your path starts with finding the right loan program. 🏡

Here are the most common options:

🌾 USDA for eligible rural areas with zero down options
🏠 FHA with flexible guidelines and low down payments
🎖️ VA for eligible veterans with zero down benefits
🔑 Conventional for buyers with strong credit and flexible terms

Your path to homeownership should match your goals. 💚 Let's talk!

Breathing room matters when it comes to your budget! A lower debt-to-income ratio can make a difference. 👇 DTI shows how...
05/26/2026

Breathing room matters when it comes to your budget! A lower debt-to-income ratio can make a difference. 👇

DTI shows how much of your monthly income goes toward debts like car payments, credit cards, and student loans. 💰

When that number is lower, you have more flexibility in your budget, you can qualify more comfortably, handle unexpected expenses, and enjoy homeownership without feeling stretched every month! 🔑

Have questions? Reach out today!

Ask first, stress less! 💬Before making an offer, there are a few important questions buyers should ask to stay informed:...
05/21/2026

Ask first, stress less! 💬

Before making an offer, there are a few important questions buyers should ask to stay informed:
🤔 How will my loan structure affect my long-term costs?
🤔 What could change between pre-approval and closing?
🤔 What financial moves should I avoid right now?

Clear answers upfront can prevent surprises later! Have questions? Let's talk! 📱

We're hiring — and this role is for a very specific kind of person.If you're someone who thrives behind the scenes, love...
05/20/2026

We're hiring — and this role is for a very specific kind of person.

If you're someone who thrives behind the scenes, loves crossing things off a list, and wants to be the reason a team of loan officers can do their best work — this is your seat.

We're looking for a Loan Officer Assistant to join The McRae Mortgage Team at Flat Branch Home Loans.

✅ Full-time | Remote (St. Louis local preferred)
✅ Mon–Fri, 8am–5pm CT
✅ Base salary + performance bonus
✅ 100% employee-owned company (ESOP)

This isn't just a job. It's a chance to be the operational backbone of an award-winning team.

Job description link: https://docs.google.com/document/d/1ZP_-sdrxHgQlWN9Thu4U-LLW3YC9qpL-/edit?usp=sharing&ouid=113953004969315145515&rtpof=true&sd=true
Apply here: https://recruiting.paylocity.com/Recruiting/Jobs/Details/4166550

Tag someone who would be a great fit. 👇

One of the most common questions we hear is, “Is it the right time to buy?” 🤔Buying now can make sense if you're ready t...
05/19/2026

One of the most common questions we hear is, “Is it the right time to buy?” 🤔

Buying now can make sense if you're ready to get into a home sooner and wanting to build equity instead of paying rent. 🏡

Waiting can be the right move if you want more time to save, improve credit or income, or keep extra flexibility in your plans. ✅

The right timing looks different for everyone! Have questions? Reach out today!

Homebuyers, don't skip this! 🚨 Buying a home is exciting, but there are a few common red flags to watch out for:⏳ Pressu...
05/14/2026

Homebuyers, don't skip this! 🚨

Buying a home is exciting, but there are a few common red flags to watch out for:
⏳ Pressure to skip inspections or rush decisions
🛠️ Major repairs with limited disclosure
📊 Big changes to numbers late in the process

Have questions? Let’s talk and make sure you feel comfortable moving forward! 📱

When you're house hunting, the right location can matter just as much as the home itself. 🏠 Here are a few things to thi...
05/12/2026

When you're house hunting, the right location can matter just as much as the home itself. 🏠

Here are a few things to think about when narrowing your search:
🚗 Commute times and daily convenience
🏫 School districts and future resale value
🌳 Nearby amenities like parks, shopping, and healthcare
📈 Long-term growth and neighborhood stability

The right location can support your lifestyle today and your investment tomorrow! ✅

Real ownership starts with home. 🏡Routines form, milestones are shared, and families find stability through every season...
05/07/2026

Real ownership starts with home. 🏡

Routines form, milestones are shared, and families find stability through every season.

It's having a place that supports the life you are building, providing a sense of belonging that lasts. 💚

Let's get you home!

Address

14755 N Outer 40 Road, Ste 110
Chesterfield, MO
63017

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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