Kate and Tim Day - Flat Branch Home Loans

10/18/2026

5.0 star review received on Experience.com for Kate Day by Kevin K - Kate Day and her team are absolutely amazing. She is always 2 steps ahead and there is no one else i would trust with such a big purchase. Thank you Kate and team you guys are incredible at what you do!

Click to see all 236 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

10/17/2026

5.0 star review received on Experience.com for Kate Day by Jeffry L H - Kate is very respectful and she does whatever she can to better one's understanding.

Click to see all 235 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

10/17/2026

5.0 star review received on Experience.com for Kate Day by Johniqua F - I really enjoyed working with Kate, and everyone on her team. From the beginning she took her time and made sure to get the job done for our buyer. Can't wait to help more families secure homeownership togethe.

Click to see all 235 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

10/15/2026

Your home's equity could be a valuable financial tool! 🏡

A Home Equity Line of Credit, or HELOC, allows homeowners to borrow against the equity they've built in their home. Unlike a traditional loan, a HELOC provides flexible access to funds over time, so you can borrow what you need, when you need it.

Whether you're planning home improvements, consolidating debt, covering education expenses, or preparing for a major purchase, a HELOC may offer the flexibility to help you reach your goals!

Have questions about how a HELOC works or if it's the right fit for your situation? Reach out today! 💚

10/13/2026

Wondering what factors can influence mortgage loan approval? 🏡

Lenders look at several pieces of your financial picture, including:
💳 Your credit history and credit score
💼 Income and employment stability
📊 Your debt-to-income ratio
🏦 Available assets and savings

Understanding these factors can help you feel more prepared and confident as you work toward your homeownership goals. 💚

Let's connect and discuss your options!

10/11/2026

5.0 star review received on Experience.com for Kate Day by Zachary M O - Kate when above and beyond to make sure I was educated enough to make the right decision.

Click to see all 232 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

10/09/2026

5.0 star review received on Experience.com for Kate Day by Dallas L B - Kate was great to work with but I would recommend you use a different appraiser, but Kate Day is the best

Click to see all 232 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

10/08/2026

Market value and appraisal value may sound similar, but they can mean two different things when you're buying a home. 🔑

🏠 Market Value: What a buyer is willing to pay for a home based on current market conditions
📋 Appraisal Value: A licensed appraiser's professional opinion of the home's value based on factors like condition, location, and comparable sales

Understanding the difference can help you navigate the homebuying process with confidence!

Have questions about how an appraisal could impact your loan? We're happy to help! 💚

10/07/2026

🚨 PLEASE STOP TAKING MORTGAGE ADVICE FROM SOMEONE WHO BOUGHT THEIR HOUSE IN 1998.

I say that with love. 😂

Your parents, coworkers, neighbors and Uncle Bob may have wonderful intentions.

But mortgage guidelines change.
Programs change.
Income calculations change.
Appraisal requirements change.
Down-payment assistance changes.

And what worked for somebody else may have absolutely nothing to do with what works for you.

In just NINE DAYS, I start my 39th year in this wonderful, ever-exciting industry! 💚

And I STILL keep up with guideline changes because this business never stops changing. Just when you think you’ve seen it all… another file comes along and says, “Hold my coffee.” ☕😂

So absolutely take Mom’s advice on her meatloaf recipe.
Ask Dad how to fix the garbage disposal.

But when somebody tells you:

“You can’t get a mortgage because…”

Call me before you believe them.

You might be surprised. 😉🏡

Kate Day
Senior Mortgage Banker
Flat Branch Home Loans
📞 314-713-2026
💚

10/06/2026

Clear communication is key to a smooth homebuying experience. 🤝 While working through your mortgage, here are a few questions we recommend asking:

📅 What milestones should I expect before closing?
🚫 Are there any financial moves I should avoid before closing?
✅ What can I do to help keep my loan on track?

Asking questions throughout the process can help prevent surprises and ensure you know what to expect from application to closing. We're here to help you navigate every step with confidence. 💚

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