Kate and Tim Day - Flat Branch Home Loans

09/03/2026

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍

A buydown program allows for a temporarily reduced interest rate at the beginning of your loan, which can mean lower monthly payments upfront. 📉🏡

We offer buydown options designed to help buyers ease into homeownership while planning for the future.

Reach out today and let's explore your options together!

For more information on our buydown programs, click here: https://flatbranchhomeloans.com/loan-programs/buydown-programs

09/02/2026

🏡 YOU’RE UNDER CONTRACT! Now… please don’t go buy the couch. 😂

I know, I know. You’ve already mentally decorated the living room, picked out the new refrigerator and decided that a new house obviously needs a new car sitting in the driveway. 😜

But until we get those keys in your hand… BORING IS BEAUTIFUL!

A few things that can make your lender’s eye start twitching:

💳 Opening a new credit card
🛋️ Financing furniture or appliances
🚗 Buying or leasing a vehicle
💼 Changing jobs
💰 Moving large amounts of money around without talking to us first
🛍️ Making big purchases because “the payment is only $99 a month”

Your loan approval is based on a financial snapshot, and we want that picture looking just as pretty on closing day as it did when we started.

So before you buy it, finance it, move it, transfer it, quit it or change it…

📱 CALL ME FIRST.

I would much rather answer a quick question than have to solve a big problem three days before closing. 😉

Get the keys first. 🔑
THEN go buy the couch. 😂

Kate Day
Flat Branch Home Loans
Senior Mortgage Banker
💚
📱314-713-2026
📧[email protected]

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!

08/29/2026

📣 REALTOR FRIENDS — HEADS UP! 📣

There’s a BIG change coming to Conventional appraisals this fall, and I want you to have it on your radar now — especially when you’re writing contracts and choosing loan commitment and closing dates. 🏡

A new appraisal format called UAD 3.6 is rolling out. For now, this change impacts Conventional loans only. FHA has announced plans to adopt the new format as well, although no date has been set yet, and we anticipate VA and USDA will eventually follow.

📌 Here’s what you need to know:

📝 Conventional loans only — for now

📆 Beginning October 1, 2026, Flat Branch will start ordering ALL Conventional appraisals using UAD 3.6, getting ahead of the November 2 mandatory deadline.

⌛ Plan for potentially longer appraisal turn times. Appraisers and lenders will be adjusting to new technology, requirements and processes.

💸 Appraisal fees may increase. The new reporting process is significantly more detailed and could take appraisers considerably longer to complete.

👀 Appraiser availability could be tighter. Not every appraiser may be ready to transition immediately, which could also affect turnaround times.

🏡 What does this mean when you’re writing an offer?

Give yourself a little extra breathing room on loan commitment and closing dates, especially on Conventional transactions.

We will still do everything we can to allow buyers time to complete inspections before ordering the appraisal, but tighter contract timelines could result in more rush fees while everyone adjusts to the new process.

As always, Team Day is working ahead of the changes so we can help keep your transactions moving and avoid surprises whenever possible. 💚

And if you see an appraiser this fall…maybe give them a hug. Or buy them a drink. 😂🫶
They may need it!

Have questions about how this could affect an upcoming Conventional offer? Call or text me anytime.

Kate Day
Flat Branch Home Loans
Senior Mortgage Banker
💚
📱314-713-2026
📧[email protected]

08/27/2026

4.25 star review received on Experience.com for Kate Day by Jimmy A P - Clear communication throughout the loan process

Click to see all 217 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

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

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!

08/23/2026

5.0 star review received on Experience.com for Kate Day by Jesse H - They made the whole process easy to go through.

Click to see all 216 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

08/21/2026

5.0 star review received on Experience.com for Kate Day by Heather R C - was super nice and fresh and answered any questions i had.

Click to see all 216 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

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!