Laura Royse - Flat Branch Home Loans

Laura Royse - Flat Branch Home Loans Let’s get you home! She helps her borrowers by making a personal connection with them.

Laura Kogut began her career in the financial industry in 2008 and quickly found she had a passion for real estate and the home loan process. She recognizes that the homebuying process takes place at a particularly special time in a person’s life, so she wants to make sure she helps as much as she can during that time. Using state-of-the-art products and processes, she tailors a loan to fit her cl

ients’ specific situations. When she’s not in the office, you can find Laura spending time with her family. Along with her husband and daughter, much of her family also lives in Columbia, so they enjoy spending time together often. She’s also a part of local organizations, like the Metro Rotary Club, the Columbia Chamber of Commerce Ambassadors, and the mentor of the Show-Me Referrals Chapter of Business Networking International (BNI).

Not sure what counts as total income when buying a home? You're not alone! 🏡💰  Your total income can include salary, bon...
06/23/2026

Not sure what counts as total income when buying a home? You're not alone! 🏡💰

Your total income can include salary, bonuses, commissions, self-employed income, and sometimes rental or investment income.

Have questions? Reach out today!

5.0 star review received on Experience.com for Laura Royse by Yixiang G - Laura was quick to respond to the questions we...
06/22/2026

5.0 star review received on Experience.com for Laura Royse by Yixiang G - Laura was quick to respond to the questions we had and stayed on top of all the paper works that were required during the process. She also kept us informed about the options we had in order for us to select the best one.

Click to see all 257 reviews of Laura Royse, Senior Mortgage Banker | NMLS # 764813

Are you ready? 🏡The buyers who win aren't luckier, they're just more prepared. Being market ready means having your pre-...
06/18/2026

Are you ready? 🏡

The buyers who win aren't luckier, they're just more prepared. Being market ready means having your pre-approval in place, your paperwork ready, and a clear understanding of your budget so you can move quickly and confidently. 💚

No matter what the market is doing, preparation puts you in control. Have questions? Let's talk!

06/17/2026
Saving for a home can feel like a big hurdle, but the right support can make all the difference. 💚 Down payment assistan...
06/16/2026

Saving for a home can feel like a big hurdle, but the right support can make all the difference. 💚 Down payment assistance programs are designed to give buyers a boost by lowering upfront costs and making homeownership within reach.

With that extra boost, you may be able to move forward sooner, keep more savings in your pocket, and feel more confident in your purchase.

For more information on down payment assistance, visit here: https://flatbranchhomeloans.com/loan-programs/down-payment-assistance

5.0 star review received on Experience.com for Laura Royse by Judith A M - Laura Royse was excellent to work with. She w...
06/14/2026

5.0 star review received on Experience.com for Laura Royse by Judith A M - Laura Royse was excellent to work with. She went above and beyond to make sure that everything went well. I appreciate being able to acquire this property for my family so smoothly. Thank you!

Click to see all 256 reviews of Laura Royse, Senior Mortgage Banker | NMLS # 764813

Beautiful home! Beautiful price!
06/11/2026

Beautiful home! Beautiful price!

When buying a home, taxes play a bigger role than most people expect! 🏡 Property taxes are included in your monthly mort...
06/11/2026

When buying a home, taxes play a bigger role than most people expect! 🏡

Property taxes are included in your monthly mortgage payment, which means higher taxes can impact how much home you can comfortably afford. Even if two homes have the same price, different tax rates can change your monthly payment significantly. 💰

Our job is to help you look at the full picture, not just the purchase price. We're here to guide you toward a payment that feels comfortable, sustainable, and supportive of your goals now and in the future! 💚

Have questions? Reach out today!

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother! Here's the path from s...
06/09/2026

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

06/08/2026

Best way to start the week?

Helping these cuties close on their beautiful, new home! 🏡

Congratulations!!!

Address

101 S 5th Street Suite 200
Columbia, MO
65201

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