Ali Herman - Flat Branch Home Loans

06/23/2026

Not sure what counts as total income when buying a home? You're not alone! 🏡💰

Your total income can include salary, bonuses, commissions, self-employed income, and sometimes rental or investment income.

Have questions? Reach out today!

06/18/2026

Are you ready? 🏡

The buyers who win aren't luckier, they're just more prepared. Being market ready means having your pre-approval in place, your paperwork ready, and a clear understanding of your budget so you can move quickly and confidently. 💚

No matter what the market is doing, preparation puts you in control. Have questions? Let's talk!

06/16/2026

Saving for a home can feel like a big hurdle, but the right support can make all the difference. 💚 Down payment assistance programs are designed to give buyers a boost by lowering upfront costs and making homeownership within reach.

With that extra boost, you may be able to move forward sooner, keep more savings in your pocket, and feel more confident in your purchase.

For more information on down payment assistance, visit here: https://flatbranchhomeloans.com/loan-programs/down-payment-assistance

06/12/2026

🏡🌲✨ 14 Families ✨🌲🏡

This isn’t luck. This is what happens when strategy, communication, and consistency come together.

Grateful for every single story we get to be a part of.
Let’s keep growing. 🤎

🏡🌲✨ 14 Families ✨🌲🏡

This isn’t luck. This is what happens when strategy, communication, and consistency come together.

Grateful for every single story we get to be a part of.
Let’s keep growing. 🤎

Ali Herman - Flat Branch Home Loans
Kristen Long - Flat Branch Home Loans

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!

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!

06/04/2026

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!

06/02/2026

All clients hold a special place in my heart, but those single parents out there hustling for their kids will always make my job worth every second. 🤎

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!

06/01/2026

At Flat Branch Home Loans, we LOVE celebrating homeownership, and this June, we’re making National Homeownership Month even better. 💚🏡 We’re excited to announce the return of our Pay Your Mortgage Sweepstakes!🎉

From June 1-26, homeowners in the states we serve can enter for the chance to have their August mortgage payment covered by Flat Branch. Ten winners will be selected!

We’re proud to celebrate the people, places, and moments that make home special this National Homeownership Month.

🎉🏡 Want to enter the sweepstakes? 🏡🎉

Click here: https://flatbranchhomeloans.com/homeowners-month/