Kate and Tim Day - 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!

05/28/2026

5.0 star review received on Experience.com for Kate Day by Myrna A W - Kate was amazing. She went above and beyond. She keep us informed and answer any question we had. Would recommend her to anyone.

Click to see all 199 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

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!

05/26/2026

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!

05/25/2026

5.0 star review received on Experience.com for Kate Day by Felecia M W - Kate was amazing she went above and beyond. She kept us informed and answered all our questions.

Click to see all 198 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

05/25/2026

5.0 star review received on Experience.com for Kate Day by Brian K W J - Kate was great through the entire process, answered all our questions very promptly. Would recommend her to anyone looking to but or refinance.

Click to see all 198 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

05/25/2026

5.0 star review received on Experience.com for Kate Day by Scott A W - Good communication and guidance

Click to see all 196 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

05/22/2026

5.0 star review received on Experience.com for Kate Day by Dean E - Tim and Kate have been the "Go To' persons for mortgages and refinancing for years. Knowledgable, Git're done, night owl, and generally the best there is or has ever been in my book.

Click to see all 195 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

05/21/2026

Ask first, stress less! 💬

Before making an offer, there are a few important questions buyers should ask to stay informed:
🤔 How will my loan structure affect my long-term costs?
🤔 What could change between pre-approval and closing?
🤔 What financial moves should I avoid right now?

Clear answers upfront can prevent surprises later! Have questions? Let's talk! 📱

05/19/2026

One of the most common questions we hear is, “Is it the right time to buy?” 🤔

Buying now can make sense if you're ready to get into a home sooner and wanting to build equity instead of paying rent. 🏡

Waiting can be the right move if you want more time to save, improve credit or income, or keep extra flexibility in your plans. ✅

The right timing looks different for everyone! Have questions? Reach out today!