Tyler Ott of Prairie State Bank & Trust

09/04/2025

5.0 star review received on Experience.com for Tyler Ott by John C - Job well done.

Click to see all 131 reviews of Tyler Ott, Mortgage Banker | NMLS # 1211595

09/04/2025

When you’re in the middle of buying a home, stability is your best friend 🙌 Here’s why you’ll want to avoid big financial changes if possible:

💳 Large purchases can impact your credit score and debt-to-income ratio
🏦 Opening new credit accounts can raise red flags with underwriters
💼 Job changes may require extra documentation and slow down the process

Keeping your finances steady makes it smoother to get to the closing table. Have questions about what’s “safe” during the process? Reach out — I’ve got your back! 🏡

09/03/2025

5.0 star review received on Experience.com for Tyler Ott by Ann E O - Fantastic service, communication, and availabitlity from Tyler. He was always responsive and informative to my questions or concerns.

Click to see all 130 reviews of Tyler Ott, Mortgage Banker | NMLS # 1211595

09/02/2025

Let’s talk down payments! 🏡💰

You don’t need a mountain of cash to make your homeownership dream happen. Here's what to know:

✅ Many loan options start as low as 3% down
🎖️ VA & USDA loans can offer 0% down (if eligible)
💡 We offer down payment assistance programs (if eligible)
🎁 Gift funds from family can often be used toward your down payment

Your situation is unique, and we’ll find an affordable option that works best for you!

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

09/01/2025

5.0 star review received on Experience.com for Tyler Ott by Melissa C - Tyler was very attentive and helpful to us as first time home buyers. He made the process easy, but most importantly he made sense to us and made us feel certain about all decisions. Cannot thank him and recommend him enough!

Click to see all 129 reviews of Tyler Ott, Mortgage Banker | NMLS # 1211595

09/01/2025

Happy Labor Day! ❤️🤍💙

Today we celebrate the hard work, dedication, and passion that keeps our communities thriving. Whether you’re spending the day relaxing, grilling, or making memories with friends and family, we hope it’s filled with joy.

Here’s to the dreamers, the doers, and everyone working toward their goals — including homeownership! 🏡❤️

08/29/2025

Interest rates might seem small, but they can make a big difference in your monthly payment:

📌 Higher rates = more of your payment goes toward interest
📌 Lower rates = more of your payment builds your equity

Your credit score, loan type, down payment, and loan term all impact the rate you get.

Even a small rate change can shift your budget — let’s run the numbers together so you can shop with confidence!

08/28/2025

Your credit score affects more than you think. Here’s what it means for your mortgage:

📊 Influences your loan options
💰 Impacts your interest rates
✅ Helps lenders decide your eligibility

Whether you’re building credit or boosting it, I’m here to help you get the best deal.

For more information about credit, visit our blog here: https://flatbranchhomeloans.com/blog/home-buyer-guides/why-is-credit-score-important

08/27/2025

5.0 star review received on Experience.com for Tyler Ott by Riley Q P - Tyler made our first home purchase quick and easy! Thanks!

Click to see all 128 reviews of Tyler Ott, Mortgage Banker | NMLS # 1211595