T&T Lending Team Powered by Flat Branch Home Loans

T&T Lending Team Powered by Flat Branch Home Loans Kathy is a Senior Mortgage Banker at Flat Branch Home Loans Erica Tymchuk, NMLS 492202
Kathy Tautfest, NMLS 492913

Thinking about refinancing but not sure if it’s the right move? 🤔Here are a few situations where it might make sense:🏡 W...
10/30/2025

Thinking about refinancing but not sure if it’s the right move? 🤔

Here are a few situations where it might make sense:
🏡 When interest rates drop and you can lower your monthly payment
💳 When you want to consolidate high-interest debt
💵 When you need cash out for home improvements or big expenses
📆 When you want to shorten your loan term and build equity faster

Every situation is different, so let’s talk through what makes the most sense for you!

When it comes to getting approved for a home loan, a strong application can make all the difference. Here are a few ways...
10/27/2025

When it comes to getting approved for a home loan, a strong application can make all the difference. Here are a few ways to help yours stand out:

✅ Keep your credit score healthy by paying bills on time
✅ Avoid big purchases or new credit lines before applying
✅ Save for a down payment and show consistent income
✅ Have your financial documents organized and ready to go

A little preparation goes a long way toward a smooth approval process!

Helping my borrowers choose between an adjustable rate and a fixed rate mortgage is all about their goals and comfort le...
10/24/2025

Helping my borrowers choose between an adjustable rate and a fixed rate mortgage is all about their goals and comfort level. Here’s how I break it down:

📈 Adjustable-Rate Mortgage (ARM) – Starts with a lower rate, can save money early, and may be perfect if you plan to move or refinance before rates adjust
🛡️ Fixed Rate Mortgage – Rate stays the same for the life of the loan, predictable payments, great for long-term stability

I always make sure my clients understand the perks of each option so they can pick the plan that fits their life, not just the house. Knowing your options = confident decisions! 🏡💡

Buying a home is exciting, but a few key things can make or break your loan approval. 🏡 Here’s what I focus on for my bo...
10/21/2025

Buying a home is exciting, but a few key things can make or break your loan approval. 🏡

Here’s what I focus on for my borrowers:
💳 Credit score & history – late payments or collections can slow things down
💰 Debt-to-income ratio – high monthly debt vs income can be tricky
👔 Employment & income stability – consistent work history matters
🏦 Assets & savings – lenders like to see a cushion

I walk my borrowers through every step to make sure we check all the boxes. ✅ Reach out to me today!

Ever wonder what makes mortgage rates move? 🏡 Here are a few key factors:✅ Credit score: A higher score means less risk ...
10/16/2025

Ever wonder what makes mortgage rates move? 🏡 Here are a few key factors:

✅ Credit score: A higher score means less risk for lenders which can lead to a better rate
💰 Down payment amount: A bigger down payment means you borrow less which may lower your rate
🏠 Loan type: FHA, VA, USDA, and Conventional loans are priced differently
📉 Market conditions: The overall economy and interest trends can cause rates to rise or fall

Want to see what rate you qualify for? Reach out to me today!

💡 Ever heard of PMI but not sure what it really means? Here’s the quick breakdown:🏡 PMI = Private Mortgage Insurance💸 It...
10/14/2025

💡 Ever heard of PMI but not sure what it really means?

Here’s the quick breakdown:
🏡 PMI = Private Mortgage Insurance
💸 It’s typically required if your down payment is less than 20%

Still have questions? I'm here to help! Reach out to me today!

Not every homebuyer has the same needs, which is why there are different loan programs designed to help you reach your g...
10/09/2025

Not every homebuyer has the same needs, which is why there are different loan programs designed to help you reach your goals! 🗝️

Each program comes with its own benefits depending on your situation:
📑 Conventional loans – Standard mortgage with flexible terms and no government backing
🏡 FHA loans – Great for first-time buyers or those with lower credit scores, backed by the government
🎖️ VA loans – Designed for veterans and active-duty service members, often with no down payment
🌾 USDA loans – For buyers in eligible rural areas, often with low or no down payment

Want to learn more about which program could be right for you? Check out our loan programs here: https://flatbranchhomeloans.com/loan-programs/

As a loan officer, one of the most important factors I look at during your mortgage process is your Loan-to-Value (LTV) ...
10/06/2025

As a loan officer, one of the most important factors I look at during your mortgage process is your Loan-to-Value (LTV) ratio. 📊

LTV helps determine things like interest rates, loan approval, and whether you’ll need mortgage insurance. Here’s a quick breakdown:

🏠 LTV = your loan amount ÷ your home’s appraised value
✅ Lower LTV often means better loan terms
💸 Higher LTV can sometimes require mortgage insurance

Knowing your LTV helps you understand where you stand and what options are available. I’m here to guide you through every step! 💡

There are so many myths about mortgages that can hold people back from buying a home. Here are some of the biggest ones ...
10/02/2025

There are so many myths about mortgages that can hold people back from buying a home. Here are some of the biggest ones I help my clients understand:

❌ “You have to put 20% down.”
✅ Many programs let you buy with as little as 3–5% down, and some offer even more help with assistance. Don’t let the 20% myth stop you.
❌ “Once you’re approved, you’re free to make big purchases.”
✅ Major financial moves before closing, like new debt, maxing out cards, or big withdrawals, can derail your loan. Keep things steady until the keys are in your hand.
❌ “Refinancing only makes sense if rates drop a ton.”
✅ A refinance can also free up cash, cut years off your loan, or help you remove PMI, even if rates don’t drop dramatically.

I’m here to make sure you know the truth about buying a home so you can move forward with your homeownership goals! 🏡

Closing costs can feel confusing, but knowing what to expect makes the process way smoother. Here’s what I go over with ...
09/30/2025

Closing costs can feel confusing, but knowing what to expect makes the process way smoother. Here’s what I go over with my clients:

💸 Lender fees – the cost of processing your loan and getting everything approved
🏠 Title & escrow – making sure the home legally belongs to you and all funds are handled correctly
🧾 Appraisal & inspection fees – making sure your new home is in good shape
🔒 Insurance and taxes – often collected upfront to protect your home and satisfy requirements

Understanding each piece means no surprises at closing and more confidence as you take the next step toward your new home. I’m here to guide you every step of the way!

Fall isn’t just for pumpkin spice, it’s also a smart time to buy a home. Here’s why:🍂 Less competition from other buyers...
09/26/2025

Fall isn’t just for pumpkin spice, it’s also a smart time to buy a home. Here’s why:

🍂 Less competition from other buyers
🏠 Motivated sellers ready to make a deal
💵 Opportunities to lock in great rates before the year ends

Let’s make this the season you move into your dream home!

Finding your dream home doesn’t have to feel impossible. Sometimes it’s just about taking the right steps! I can help yo...
09/25/2025

Finding your dream home doesn’t have to feel impossible. Sometimes it’s just about taking the right steps! I can help you:

🏡 Get pre-approved and know your budget
💰 Explore programs to make homeownership easier
🤝 Navigate every step with confidence

Your dream home might be closer than you think and I’m here to guide you all the way. Reach out to me today!

Address

205 NW 63rd Street, Ste 300
Oklahoma City, OK
73116

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm

Telephone

+14054007611

Website

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