Emily Machetta - Flat Branch Home Loans

Emily Machetta - Flat Branch Home Loans Lender specializing in Native American & Manufactured Housing, as well as your local Homes for Heroes Lender Equal Housing Lender. NMLS 224149.

NMLS 1384085

A division of Flat Branch Mortgage, Inc. For licensing information, go to: nmlsconsumeraccess.org

09/03/2026

🚨 MANUFACTURED HOME NEWS!

TWICE MOVED?

Freddie Mac just dropped Guide Bulletin 2026-12, and there is an important update regarding manufactured homes that have been moved more than once. 👀

If you've been told, “That manufactured home won't qualify for conventional financing because it has been moved twice,” — it's time to take another look!

This is exactly why working with a lender who specializes in manufactured housing matters. The guidelines are constantly evolving, and what wasn't possible yesterday may have a different answer today.

💥 Manufactured Home Buyers: DON'T assume your home won't qualify.
💥 Realtors: DON'T automatically rule out that manufactured home.
💥 Manufactured Home Sellers: This could open doors for more potential buyers.

As someone who specializes in manufactured-home lending, I LOVE seeing guidelines evolve to create more opportunities for homeownership! ❤️🏡

📲 Have a manufactured home that was moved more than once?
Let's talk before you count it out!

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍A buydown program a...
09/03/2026

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍

A buydown program allows for a temporarily reduced interest rate at the beginning of your loan, which can mean lower monthly payments upfront. 📉🏡

We offer buydown options designed to help buyers ease into homeownership while planning for the future.

Reach out today and let's explore your options together!

For more information on our buydown programs, click here: https://flatbranchhomeloans.com/loan-programs/buydown-programs

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔Inventory simply refers to...
09/01/2026

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔

Inventory simply refers to the number of homes currently available for sale in a market. ✅

For buyers, inventory can impact:
🏠 How many homes you have to choose from
💰 How competitive the market feels
⏰ How quickly you may need to make an offer

Understanding inventory is one of the first steps to making a confident homebuying decision. If you're thinking about buying, we're here to help you!

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!With this loan, you...
08/27/2026

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!

With this loan, you can:
✅ Finance the home purchase and renovation costs with one mortgage
✅ Enjoy one closing and one monthly payment
✅ Make updates like kitchen remodels, flooring, roofing, HVAC upgrades, and more
✅ Access a low down payment option starting at 3.5% for qualified borrowers

A fixer-upper could open the door to more home options and the opportunity to build equity. 🏠

Learn more about our Renovation Loan program here: https://flatbranchhomeloans.com/loan-programs/203k-renovation-loan

Before you start touring homes, a little prep work can go a long way! ✅Here are a few things we recommend before steppin...
08/25/2026

Before you start touring homes, a little prep work can go a long way! ✅

Here are a few things we recommend before stepping through the front door:
💰 Get pre-approved so you know your budget
📊 Review your monthly payment comfort zone
📝 Make a list of your must-haves vs. nice-to-haves
🚗 Avoid major purchases that could impact your financing

Whether you're buying your first home or your next one, we're here to help every step of the way!

Think your credit score is holding you back from buying a home? 🏡 Let's clear up a few common credit myths:🚫 Myth: You n...
08/20/2026

Think your credit score is holding you back from buying a home? 🏡 Let's clear up a few common credit myths:

🚫 Myth: You need perfect credit to buy a home.
✅ Reality: Many loan programs are designed for a range of credit profiles.
🚫 Myth: One missed payment means you can't qualify.
✅ Reality: Lenders look at the full picture, not just one moment in time.
🚫 Myth: Credit issues can't be improved.
✅ Reality: Small steps can make a big impact over time.

Not sure where you stand? Let's explore your options together!

Not all home loans are the same, and finding the right fit can make a big difference! 🏡Here are a few of the most common...
08/18/2026

Not all home loans are the same, and finding the right fit can make a big difference! 🏡

Here are a few of the most common loan programs we help homebuyers explore:

🌾 USDA Loans
• Designed for eligible rural and suburban areas
• No down payment required

🏅VA Loans
• Available to eligible veterans, active-duty service members, and surviving spouses
• Zero down payment and flexible qualifying options available

🔑 Conventional Loans
• Great option for many buyers
• Flexible terms and down payment options available

✨ FHA Loans
• Often popular with first-time homebuyers
• Can allow for lower down payments and more flexible credit requirements

Every homebuyer's situation is unique. We're here to help you understand your options and find the loan program that best fits your goals. 💚

For more information on the programs we offer, visit here: https://flatbranchhomeloans.com/loan-programs

Did your home purchase deal fall through? Take a deep breath. It's time to bounce back. 💪While it can be disappointing, ...
08/13/2026

Did your home purchase deal fall through? Take a deep breath. It's time to bounce back. 💪

While it can be disappointing, it doesn't mean your homeownership journey is over! We'll review what caused the deal to fall through, confirm your financing is still in place, update any needed documents, and help you stay prepared for the next opportunity that comes your way. 🏡

The right home is still out there, and we're here to help you keep moving forward with confidence. 🙌📲

Wondering what happens when you lock your mortgage rate? Here's a quick breakdown: 📋 We review your loan details and tim...
08/11/2026

Wondering what happens when you lock your mortgage rate? Here's a quick breakdown:

📋 We review your loan details and timeline
💬 We discuss available rate lock options
🔒 Your interest rate is secured for a set period
🏡 Your loan continues through processing and underwriting

A rate lock can provide peace of mind by protecting you from market changes while you work toward closing!

Have questions about when to lock? Reach out today!

5.0 star review received on Experience.com for Emily Machetta by Joshua S - N/A.......
08/08/2026

5.0 star review received on Experience.com for Emily Machetta by Joshua S - N/A.......

Address

7506 E 91st Street #200
Tulsa, OK
74133

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+15803104036

Website

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