Flat Branch Home Loans - The Dream Team

Flat Branch Home Loans - The Dream Team Jessica Robertson, Zoe Hughley, Allison Elliott
Senior Mortgage Bankers
J NMLS 253826 | Z NMLS 1019550 | A NMLS 2103247 At the closing table, we will be there.

The Dream Team is a lending team within Flat Branch Home Loans, consisting of three licensed loan officers located in Columbia, MO. Jessica Robertson, Senior Mortgage Banker, has been with Flat Branch for over 17 years. Zoe Hughley, Senior Mortgage Banker, has been with Flat Branch for over 12 years. Allison Elliott, Senior Mortgage Banker, has been with Flat Branch for over 4 years. We work as a

team to maximize customer service, efficiency, and overall experience of the borrower and everyone involved in a purchase or refinance transaction. We originate conventional, USDA, FHA, and VA loans, as well as work with multiple down payment assistance programs such as MHDC, the Missouri Housing grant, and the City of Columbia down payment assistance grant. Our rates and closing costs are competitive with any traditional bank, mortgage broker, or internet lender. Locally, Flat Branch personally performs and controls the entire loan process, from application to origination, from processing to underwriting. Flat Branch also has local underwriters who can approve loans on behalf of our investors directly rather than waiting for someone out of state for final approval. Choose The Dream Team today in Columbia, Missouri! Jessica Robertson, Senior Mortgage Banker
NMLS # 253826, License # 590-MLO
573-819-1130
573-256-6777
[email protected]

Zoe Hughley, Senior Mortgage Banker
NMLS # 1019550, License # 6558-MLO
573-220-7338
573-256-6577
[email protected]

Allison Elliott, Senior Mortgage Banker
NMLS # 2103247
573-673-6739

FLAT BRANCH HOME LOANS - EQUAL HOUSING LENDER
NMLS #: 224149

today’s   we’re featuring Clementine's Naughty & Nice Creamery 🍦 it’s so dang good, rumor has it Zoe went twice in 24 ho...
09/08/2026

today’s we’re featuring Clementine's Naughty & Nice Creamery 🍦

it’s so dang good, rumor has it Zoe went twice in 24 hours 🤣

their flavors are AMAZING, and it’s a cute little shop right on Broadway! check it out for your next sweets craving! 🫶

twinning for the tigers! 👯‍♀️🐯although we’re working on transactions rather than tailgating, we couldn’t miss the opport...
09/03/2026

twinning for the tigers! 👯‍♀️🐯

although we’re working on transactions rather than tailgating, we couldn’t miss the opportunity to cheer on the tigers today! 💛

MIZ!

happy   💜 can you guess where we are?! 🍦
09/01/2026

happy 💜 can you guess where we are?! 🍦

⚠️ IMPORTANT ANNOUNCEMENT ⚠️🔄 What’s changing? Conventional appraisals are moving to a new standardized format called UA...
08/28/2026

⚠️ IMPORTANT ANNOUNCEMENT ⚠️

🔄 What’s changing? Conventional appraisals are moving to a new standardized format called UAD 3.6, designed to improve consistency and data quality.

📅 When is it happening? Flat Branch will begin using UAD 3.6 on select conventional appraisals September 1, with all conventional appraisal orders transitioning October 1.

⏳ What does this mean for you? During the transition, we may see longer appraisal turn times and tighter appraiser availability as the industry adjusts.

💰 What about appraisal fees? During the transition, appraisal fees could be higher depending on the market, area, and appraiser, as appraisers adjust to the new UAD 3.6 requirements and potential additional costs.

🏠 Who is impacted? This change currently applies to conventional loans only. FHA, VA and USDA are not transitioning at this time.

Bottom line: We’re starting the transition early to help minimize disruptions when UAD 3.6 becomes an industry requirement on November 2. We’ll continue to keep our borrowers and agents informed as things evolve!

Happy Back to School! 📚🍎✏️ We had such a great time celebrating with our Drop Off & Donuts event at The Heist this morni...
08/25/2026

Happy Back to School! 📚🍎✏️ We had such a great time celebrating with our Drop Off & Donuts event at The Heist this morning! ☕️🍩

And a special thank you to all of our educators and K-12 staff heading into another school year and pouring so much into our kids and our community ❤️ We’re so grateful for all that you do, and proud to support these Community Champions with up to $1,000 off closing costs on a home purchase or refinance through Flat Branch! 🏡

Where We’re At Wednesday ☕️We had a great start to our morning at the MMBOR annual meeting! Super honored to sponsor the...
08/19/2026

Where We’re At Wednesday ☕️

We had a great start to our morning at the MMBOR annual meeting! Super honored to sponsor the event alongside boonecentraltitle 🤝

Wonderful morning seeing lots of our favorite REALTOR partners! 🌞

📚 TOWNIE TUESDAY: Bloom & Bindings 🌸If you love books, coffee, cute gifts & cozy local spots, you NEED to check out Bloo...
08/18/2026

📚 TOWNIE TUESDAY: Bloom & Bindings 🌸

If you love books, coffee, cute gifts & cozy local spots, you NEED to check out Bloom & Bindings in downtown Boonville! ☕️📖💗

This adorable shop has books, coffee & tea, local goods, a bookmark charm bar, vintage records—and a tarot reading corner! 🔮

A perfect little spot to shop local and slow down for a bit. ✨

Have you been?! 👇🏼

08/17/2026

on today’s episode of we discuss the true requirements for down payment on a home! don’t have 20%? no problem!

fun way to end a Friday! who knows where I am?! 📍
08/14/2026

fun way to end a Friday! who knows where I am?! 📍

need a quick close? our team can help with that!we took an MHDC down payment assistance loan from application to approva...
08/12/2026

need a quick close? our team can help with that!

we took an MHDC down payment assistance loan from application to approval in just 14 days!

Address

101 S 5th Street, Ste 200
Columbia, MO
65201

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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