Brennan VanMatre - Flat Branch Home Loans

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United States
Columbia, MO
Brennan VanMatre - Flat Branch Home Loans

I'm local to the Mid-Missouri community, and I'd love to help with any and all of your mortgage needs 🏡

11/14/2024

Not sure whether a fixed-rate or adjustable-rate mortgage is right for you? Here’s a quick breakdown:

✔️Fixed-Rate: Best for buyers who want consistency and plan to stay in their home for the long term. Your interest rate and monthly payment stay the same, making it easier to budget and save. Ideal for those who value stability and long-term ownership.
✔️Adjustable-Rate: Great for buyers who plan to move or refinance in a few years. Adjustable-rate mortgages offer a lower initial rate, but after the fixed period, the rate can increase. This is perfect for those looking to save money in the early years or who aren't planning to stay in the home long-term.

Understanding these options can help you make the best choice for your financial future! 🏡

11/12/2024

Ready to close on your new home? Here’s what to know about loan closing costs:

🟢What’s included? Fees for services like appraisals, inspections, and title work.
🟢How much will it cost? Typically 2%–6% of the home’s purchase price.
🟢Who pays? Costs are generally split between buyers and sellers.
🟢How can you pay? Some fees can be rolled into your mortgage or paid upfront.

Planning ahead makes for a smoother closing day! Don't hesitate to reach out to us to learn more 🏡🌳

11/11/2024

Today, we honor the bravery, sacrifice, and resilience of our veterans. Thank you to those who have served and continue to serve, standing strong in the face of challenges to protect our freedoms. Your courage inspires us, and your sacrifices are never forgotten. We are forever grateful for your dedication.

Happy Veterans Day ❤️🤍💙

11/08/2024

❄️ Winter is coming, bringing cozy nights, holiday cheer, and chilly weather! We all look forward to warm fires, hot cocoa, and festive decor. But before you get too comfy, it’s time to make sure your home is ready for the season!

Check out our latest blog for Home Upgrades for Winter below!
🔗 https://flatbranchhomeloans.com/blog/home-owner-guides/preparing-your-home-for-the-winter

11/06/2024

Starting the homebuying process for the first time? Here are a few tips to set you up for success:

◾Know Your Budget: Set a budget that fits your lifestyle comfortably.
◾Get Pre-Approved: Enhance your buying power with a pre-approval to show you’re ready to buy!
◾Check Your Credit: Review your score and address any issues ahead of time.
◾Save for Surprises: Set aside funds for closing costs and moving day needs.

We’re here to guide you through every step!

Ready to make that first move? Click the link below for more information ⬇
https://flatbranchhomeloans.com/loan-programs/first-time-homebuyers

11/04/2024

Knowing the difference between pre-approved and pre-qualified can be crucial when it comes time to purchase a home!

🔹 Pre-Approved: A more in-depth process where lenders verify your income, credit, and assets to give you a conditional loan offer
🔹 Pre-Qualified: A quick estimate of how much you might be able to borrow based on basic financial information

Getting pre-approved or pre-qualified strengthens your position in today’s competitive market, signaling to sellers that you’re a serious buyer. ✅

10/31/2024

Happy Halloween!

Wishing you a day full of treats and fun from all at Flat Branch Home Loans! 🎃👻

10/30/2024

What is escrow?

Escrow is a secure way to protect both the buyer and seller during a transaction. An independent third party holds onto important funds and documents until all the conditions of the sale are met. Once the documents are signed, the deal is finalized! 🏡🔑

10/28/2024

Curious about how loan payments are structured over time? 📊

Understanding loan amortization can help you see how your payments break down between interest and principal. Here are some quick tips to help:

• Early Payments: More of your payment goes toward interest.
• Later Payments: More of your payment goes toward the principal, building equity.
• Extra Payments: Paying extra toward principal helps you save on interest and pay off your loan faster.

Knowing where your money goes each month can empower you to make smarter financial decisions! 🏡

10/25/2024

Enjoy - Core Value IV

In a nutshell, we like to have fun! 💚

We hold that a positive and enjoyable work environment leads to better service for our clients. Within our team, we promote creativity, teamwork, and sound relationships by embracing a light-hearted approach. After all, when we enjoy what we do, it shows in everything we deliver!

10/24/2024

Exceed - Core Value III

Become the best at everything we do by providing elite customer service. 💚

We take great satisfaction in providing our clients with individualized service while truly understanding their needs and giving them the confidence they need to pursue homeownership.

Address

219 E Broadway
Columbia, MO
65203

Telephone

+15738084858

Website

https://tlclender.com/brennan-vanmatre/

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