Flat Branch Home Loans, Carrie Martin-Senior Mortgage Banker NMLS: 1173201

Flat Branch Home Loans, Carrie Martin-Senior Mortgage Banker NMLS: 1173201 NMLS: 1173201
A division of Flat Branch Mortgage, Inc. Equal Housing Lender. NMLS 224149. Carrie Martin NMLS: 1173201
A division of Flat Branch Mortgage, Inc.

For licensing information, go to: nmlsconsumeraccess.org

When buying a home, taxes play a bigger role than most people expect! 🏡 Property taxes are included in your monthly mort...
06/11/2026

When buying a home, taxes play a bigger role than most people expect! 🏡

Property taxes are included in your monthly mortgage payment, which means higher taxes can impact how much home you can comfortably afford. Even if two homes have the same price, different tax rates can change your monthly payment significantly. 💰

Our job is to help you look at the full picture, not just the purchase price. We're here to guide you toward a payment that feels comfortable, sustainable, and supportive of your goals now and in the future! 💚

Have questions? Reach out today!

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother! Here's the path from s...
06/09/2026

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

06/08/2026

✨Leaves voicemail #7 and updates Trello accordingly. 😂📞✨

Think about everything you learned in school. Mortgages weren’t on the syllabus. 📖 So most first-time buyers walk into t...
06/08/2026

Think about everything you learned in school. Mortgages weren’t on the syllabus. 📖

So most first-time buyers walk into this process knowing they want a house and not much about DTI, loan estimates, escrow, or why their rate changes between application and lock. 😱

That’s normal. My job is to translate. What each document means, what each number is doing, and what your options look like at every step. You’re not behind for not knowing this already. Almost nobody does.🤩

Bring me the basic questions. Those are the good ones.😜

Call me today! 📲 417-388-8750

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵 Loan-to-value = loan amount ÷ home val...
06/04/2026

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵

Loan-to-value = loan amount ÷ home value × 100

LTV stands for loan-to-value, or how much you’re borrowing compared to the home’s value.

Why it matters:
📈 Higher LTV can mean a higher payment
💰 Lower LTV could help you save over time

Even a small change in your down payment can impact your LTV ratio. ✅

Let’s get you home!

✨ A quick reminder of things that will not move the needle on your mortgage application. ✨•Your horoscope. 🤷‍♀️•The Fed ...
06/03/2026

✨ A quick reminder of things that will not move the needle on your mortgage application. ✨

•Your horoscope. 🤷‍♀️
•The Fed announcement your dad screenshotted and texted you at 7am. 💀
•What rates did in 1987. 🤠
•Your neighbor’s opinion on the market. 🙄
•The article your coworker sent that was written by someone who has never actually closed a loan. 😆

None of it.

What actually matters is specific to your situation.
•Your income. 💸
•Your credit. 🏦
•Your assets. 🚘
•Your timeline. ⏳
•The details that are unique to you and nobody else. 😎

That is the conversation worth having. Not financial advice. Just a reminder that the right information is one conversation away. Call me and let’s talk through what actually matters for your specific situation.

📲 417-388-8750

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think: ✔️ You have consistent income ...
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!

Not once. I know how that sounds. But here is what I mean by it….😎There are loan products that are easier to process. Fa...
06/01/2026

Not once. I know how that sounds. But here is what I mean by it….😎

There are loan products that are easier to process. Faster to close. Less back and forth. And there are loan products that are right for a specific person in a specific situation. 👀

Those two things are not always the same. My job is to find the second one. Every single time. Even when it takes longer. Even when it requires more work on my end. Even when the easier option is sitting right there. 😋

Because the loan you are in for the next several years should be the one that made the most sense for you. Not the one that was most convenient for me. If you want a broker who works for your outcome and not theirs 👍🏼

Call me📞 417-388-8750 ✨
We will walk through your specific situation and talk through what you may qualify for. Honestly. With your best interest as the only thing on the table.✍🏼

Homeownership looks different for everyone, and choosing your path starts with finding the right loan program. 🏡 Here ar...
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!

Address

1110 W. Harmony STE E
Neosho, MO
64850

Telephone

+14173888750

Website

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