Erica Medlock - Flat Branch Home Loans

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

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!

05/29/2026

5.0 star review received on Experience.com for Erica Medlock by Jake B - Erica has a great supportive and attentive team. made our closing and financing process very easy

Click to see all 496 reviews of Erica Medlock, Senior Mortgage Banker | NMLS # 1910705

05/28/2026

Homeownership looks different for everyone, and choosing your path starts with finding the right loan program. 🏡

Here are the most common options:

🌾 USDA for eligible rural areas with zero down options
🏠 FHA with flexible guidelines and low down payments
🎖️ VA for eligible veterans with zero down benefits
🔑 Conventional for buyers with strong credit and flexible terms

Your path to homeownership should match your goals. 💚 Let's talk!

05/28/2026

This June, Flat Branch is celebrating National Homeownership Month by giving homeowners
the chance to have their mortgage paid for a month!

How It Works:
• Homeowners can enter the sweepstakes by filling out a quick online submission form
starting June 1st through June 26th.
• The sweepstakes is open to both current Flat Branch customers and non-customers.
• We’ll be selecting 10 winners from regions across the states where Flat Branch has offices.
• Winners will be announced on June 30, and Flat Branch will pay their August mortgage
payment (up to $2,500).

05/27/2026

5.0 star review received on Experience.com for Erica Medlock by Caitlyn M - Erica was so helpful and worked so hard throughout this entire process. I am a first time buyer and she was very patient with me , explaining all my options in ways that I could understand, and made the entire process so much smoother. I would absolutely recommend her!

Click to see all 495 reviews of Erica Medlock, Senior Mortgage Banker | NMLS # 1910705

05/27/2026

5.0 star review received on Experience.com for Erica Medlock by Michael R - Erica was great and very help throughout the entire process

Click to see all 495 reviews of Erica Medlock, Senior Mortgage Banker | NMLS # 1910705

05/26/2026

Breathing room matters when it comes to your budget! A lower debt-to-income ratio can make a difference. 👇

DTI shows how much of your monthly income goes toward debts like car payments, credit cards, and student loans. 💰

When that number is lower, you have more flexibility in your budget, you can qualify more comfortably, handle unexpected expenses, and enjoy homeownership without feeling stretched every month! 🔑

Have questions? Reach out today!

05/23/2026

5.0 star review received on Experience.com for Erica Medlock by Cynthia C - Alex and the team at Flat Branch were fantastic! I am a first time homebuyer and they made the entire process run as smooth as possible. They definitely did everything they could to help our family purchase our first home!

Click to see all 493 reviews of Erica Medlock, Senior Mortgage Banker | NMLS # 1910705

05/22/2026

5.0 star review received on Experience.com for Erica Medlock by Cassidy M - Erica is very easy to talk to. She answered any question that I had! She is amazing!

Click to see all 492 reviews of Erica Medlock, Senior Mortgage Banker | NMLS # 1910705