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).

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!

08/20/2026

Have you ever thought you wanted to do more community service projects, but not sure where to start?

Consider joining our Metro Rotary club! We do all kinds of things to help the community and have a great time doing it.

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

5.0 star review received on Experience.com for Laura Royse by Aaron S - Laura went above and beyond to make our home-buy...
08/16/2026

5.0 star review received on Experience.com for Laura Royse by Aaron S - Laura went above and beyond to make our home-buying experience truly amazing. The level of care, attention to detail, and effort she puts into understanding and catering to her clients’ specific needs is outstanding. We couldn’t have asked for a better loan officer throughout the entire process. Laura made everything feel smooth and stress-free, and we would wholeheartedly recommend her to anyone looking to buy a home. Thank you so much, Laura, for everything you did for us!

08/15/2026

Real estate doesn’t know what 9–5 means! When my clients need me, I’m there! 🏡

Thank you, Aaron! It was an honor helping you!
08/14/2026

Thank you, Aaron! It was an honor helping you!

Address

101 S 5th Street Suite 200
Columbia, MO
65201

Telephone

+15736158321

Website

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