Show Me Home Team - Flat Branch Home Loans

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!

06/01/2026

5.0 star review received on Experience.com for Tom Stone by Ronald L E - The process was super fast and easy, Tom and his team was very helpful and answered all my questions. Would recommend.

Click to see all 633 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863

05/29/2026

5.0 star review received on Experience.com for Tom Stone by Olivia L - Thanks! Great Experience

Click to see all 630 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863

05/29/2026

5.0 star review received on Experience.com for Tom Stone by Betsy H G - My Clients were happy with the service. I had limited contact with everyone.

Click to see all 630 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863

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

5.0 star review received on Experience.com for Tom Stone by Melissa T - Tom was patient friendly and was a valuable resource throughout my entire process

Click to see all 627 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863

05/27/2026

5.0 star review received on Experience.com for Tom Stone by Corie L - Tom and his team have been very wounderful to work with. They are very responsive and professional. On top of thier game! I look forward to working with them in the future.

Click to see all 626 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863

05/26/2026

5.0 star review received on Experience.com for Tom Stone by Toni J A - We were not required to be present at closing, and they scheduled a notary to come to us for all the closing paperwork

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!

05/24/2026

5.0 star review received on Experience.com for Tom Stone by Mary E D - Tom was super helpful and answered all of our questions and helped us lock in a good rate!

Click to see all 624 reviews of Tom Stone, Senior Mortgage Banker | NMLS # 588863