Brad Dombrosky - Flat Branch Home Loans NMLS #404109

09/02/2026

Earlier this year, a client was referred to me who couldn’t get qualified. She had just finished a divorce, and her credit scores were too low to move forward.

I gave her a plan to work on her credit, and she put in the work as a result her scores improved.

Recently, she found a house she loved, but lost it in a bidding war. (It happens.) She stayed the course, found a home that was an even better fit, and went under contract. Her realtor negotiated a seller credit, and I guided her through the moving parts to keep the process simple and the closing smooth.

Her family stepped in with a gift, and at closing she only needed less than $1,000 to get the keys to her new home. If this story hits home for you reach out anytime for guidance.

This is why I love what I do — helping someone who didn’t qualify become a homeowner. I always tell clients: “It’s never a no, it’s a when.”

I pride myself on being a Trusted Advisor from that first phone call all the way to the closing table. 🔑

Be sure to find your MortgageHappiness. 🏡

08/31/2026

This is something all of us could probably be a little better at, but definitely a great way to go thru life! ❤️ Maybe this was your reminder? 🤔

08/14/2026

I had the opportunity to help a repeat client. Loving the details of this review. Thanks for the 5🌟 feedback, Sarah. 🤗

08/05/2026

2 yrs ago today we took a giant leap of faith by bringing a new mortgage brand to Omaha. We are forever grateful to our clients and Realtor partners that trusted us through this process.

Over these past 2 years we have been able to help many families accomplish home ownership and refinance goals!

We are proud to share thru Flat Branch Home Loans amazing programs we have had the opportunity to really make an impact. 💚

🌳 Over $50,000 in discounts via our Community Champions discount

🌳 Over $80,000 in grants to First Time Home Buyers thru our Flex Funds internal grant

🌳 We have personally donated over $35,000 back into the communities we serve via our Giving Branch

🌳 Earned over 800 5-star reviews from clients and Realtors

We couldn’t have done any of this without the support of all of you. We are excited for what the future holds! 💚

Thanks from all of us at the Omaha office! Brad, Gabe, Aaron, Fe, Shannon, & Rose

07/21/2026

Thanks so much for the 5-star review, Tim! Keeping buyers comfortable and at ease throughout the home-buying process is my specialty, and it’s always great working with you. 👊

07/14/2026

Last month all of my closings were Clear To Close at least 3 days prior to closing. Why does this matter? It means the buyers all experienced a smooth home buying experience.

We pride ourselves on collecting the correct documentation at the beginning of the process and not going back to the clients over and over for more items. This also means we set the proper expectations with our clients none of them were stressed or scrambling at the last minute for final figures and instead were able to sit back and enjoy the mortgage & home buying process.

Big thanks to my assistant Fe, and processor Terra for all of the hard work behind the scenes to help us to provide exceptional service to our clients.

Make sure you find your Mortgage Happiness! 🏡😁

06/30/2026

Earlier this month I helped a family buy their dreamhome overlooking the water. Unfortunately it didn’t start out perfectly, as they didn’t qualify. As I tell all of my client’s I don’t like to say “No”, it’s more like how can we get you there.

In their case we were able to restructure their down payment amount and allocate some of the funds to paying off some high interest credit card debt.

Most folks don’t realize you get more bang for your buck paying off debt than applying it towards down payment. For every $10k of down payment your monthly adjusts by only $65/month (based on current interest rate market)

In this case eliminating some of their debt increased their buying power and I was able to approve them for the loan.

Getting a mortgage from a Trusted Advisor feels and looks different. Be sure to find your MortgageHappiness. 😁

06/27/2026

There are over 750 USDA lenders in the country. Flat Branch is ranked #4️⃣.

Here the thing…USDA loans don’t get talked about nearly enough. They’re 1 of only 2 programs that offer ZERO down payment options. They are designed to help make homeownership possible in rural communities for buyers who might not otherwise qualify for a conventional loan.

You might be surprised to see what areas qualify for a USDA loan. Reach out anytime for more information on this. 👊

06/23/2026

If you want to make a home buying experience as stress free as possible I highly recommend determining these 2 simple answers before you speak to a lender.

1️⃣ What is my desired total monthly payment? Keep in mind this payment will include paying back the mortgage (Principal & Interest), Property Taxes, Home Owners Insurance, and PMI (if applicable)

2️⃣ How much total funds am I comfortable using to buy a home? This amount will include down payment and all closing costs.

With these 2 simple answers any good loan officer can reverse engineer the calculation to determine your sweet spot of price to buy a home. If a lender ever tries to convince you to buy more, or encourages to show you your “max buying power” move on immediately.

Good lenders are educators and advisors not sales people. If you ever feel like you are being sold, you’re talking to the wrong lender. Trust me on this.

Find your

06/21/2026

If you’ve been watching mortgage rates lately, you’ve probably noticed one thing: they’re moving.

But here’s the truth most successful buyers understand waiting on rates isn’t a strategy. Controlling what you can is the true strategy.

For Buyers | Mortgage Rates | Buying Tips If you’ve been watching mortgage rates lately, you’ve probably noticed one thing: they’re moving. And in markets like Chicago, Kansas City, Des Moines, St. Louis, Omaha, and Lincoln—as well as competitive areas across Florida—that uncertainty can ....