Flat Branch Home Loans - Michelle Willer

06/05/2026

We love helping people love where they live.
Our Pay Your Mortgage Sweepstakes is running all month long during National Homeownership Month.
Enter before June 26.
https://flatbranchhomeloans.com/homeowners-month/

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!

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!

06/02/2026

5.0 star review received on Experience.com for Michelle Willer by Jane M A - Easy to do business since we are repeat customers, and I felt she respected that… We felt like she knew us

Click to see all 379 reviews of Michelle Willer, Senior Mortgage Banker | NMLS # 595462

06/02/2026

What if your mortgage payment disappeared for a month?
To celebrate National Homeownership Month, Flat Branch Home Loans is paying 10 mortgage payments during June.
Enter here: https://flatbranchhomeloans.com/homeowners-month/
Entries close June 26.

05/31/2026

5.0 star review received on Experience.com for Michelle Willer by Edward E D J - great customer service.

Click to see all 378 reviews of Michelle Willer, Senior Mortgage Banker | NMLS # 595462

05/30/2026

5.0 star review received on Experience.com for Michelle Willer by Grant T C - Michelle is fantastic! She was very responsive and knowledgeable throughout the entire process. If we refinance again, we will definitely ask her to help again.

Click to see all 377 reviews of Michelle Willer, Senior Mortgage Banker | NMLS # 595462

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!

05/28/2026

April in St. Louis!

05/27/2026

5.0 star review received on Experience.com for Michelle Willer by Laura O - Michelle and her team were fantastic with communication and working closely on the closing timeline. They came in a week early with time to spare. Great transaction!

Click to see all 376 reviews of Michelle Willer, Senior Mortgage Banker | NMLS # 595462