Josh McBroom, Home Loan Consultant and Mortgage Banker NMLS# 1595407

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United States
Webb City, MO
Josh McBroom, Home Loan Consultant and Mortgage Banker NMLS# 1595407

Helping families find the perfect home loan to fit their life and needs. We offer competitive rates NMLS 1595407
A division of Flat Branch Mortgage, Inc.

I am a mortgage loan officer with Flat Branch Home Loans in southwest Missouri and Arkansas. Equal Housing Lender. NMLS 224149. For licensing information, go to: nmlsconsumeraccess.org

11/18/2024

Need cash for renovations, credit card debt, or major expenses? 💰

With a cash-out refinance, you can tap into your home’s equity by replacing your mortgage with a new loan for a larger amount, taking the difference in cash.

Reach out to your loan officer to get started!

For more information, click the link to visit our website: https://flatbranchhomeloans.com/loan-programs/refinance

11/14/2024

Not sure whether a fixed-rate or adjustable-rate mortgage is right for you? Here’s a quick breakdown:

✔️Fixed-Rate: Best for buyers who want consistency and plan to stay in their home for the long term. Your interest rate and monthly payment stay the same, making it easier to budget and save. Ideal for those who value stability and long-term ownership.
✔️Adjustable-Rate: Great for buyers who plan to move or refinance in a few years. Adjustable-rate mortgages offer a lower initial rate, but after the fixed period, the rate can increase. This is perfect for those looking to save money in the early years or who aren't planning to stay in the home long-term.

Understanding these options can help you make the best choice for your financial future! 🏡

11/12/2024

Ready to close on your new home? Here’s what to know about loan closing costs:

🟢What’s included? Fees for services like appraisals, inspections, and title work.
🟢How much will it cost? Typically 2%–6% of the home’s purchase price.
🟢Who pays? Costs are generally split between buyers and sellers.
🟢How can you pay? Some fees can be rolled into your mortgage or paid upfront.

Planning ahead makes for a smoother closing day! Don't hesitate to reach out to us to learn more 🏡🌳

11/11/2024

Today, we honor the bravery, sacrifice, and resilience of our veterans. Thank you to those who have served and continue to serve, standing strong in the face of challenges to protect our freedoms. Your courage inspires us, and your sacrifices are never forgotten. We are forever grateful for your dedication.

Happy Veterans Day ❤️🤍💙

11/08/2024

❄️ Winter is coming, bringing cozy nights, holiday cheer, and chilly weather! We all look forward to warm fires, hot cocoa, and festive decor. But before you get too comfy, it’s time to make sure your home is ready for the season!

Check out our latest blog for Home Upgrades for Winter below!
🔗 https://flatbranchhomeloans.com/blog/home-owner-guides/preparing-your-home-for-the-winter

11/06/2024

Starting the homebuying process for the first time? Here are a few tips to set you up for success:

◾Know Your Budget: Set a budget that fits your lifestyle comfortably.
◾Get Pre-Approved: Enhance your buying power with a pre-approval to show you’re ready to buy!
◾Check Your Credit: Review your score and address any issues ahead of time.
◾Save for Surprises: Set aside funds for closing costs and moving day needs.

We’re here to guide you through every step!

Ready to make that first move? Click the link below for more information ⬇
https://flatbranchhomeloans.com/loan-programs/first-time-homebuyers

11/04/2024

Knowing the difference between pre-approved and pre-qualified can be crucial when it comes time to purchase a home!

🔹 Pre-Approved: A more in-depth process where lenders verify your income, credit, and assets to give you a conditional loan offer
🔹 Pre-Qualified: A quick estimate of how much you might be able to borrow based on basic financial information

Getting pre-approved or pre-qualified strengthens your position in today’s competitive market, signaling to sellers that you’re a serious buyer. ✅

10/25/2024

Enjoy - Core Value IV

In a nutshell, we like to have fun! 💚

We hold that a positive and enjoyable work environment leads to better service for our clients. Within our team, we promote creativity, teamwork, and sound relationships by embracing a light-hearted approach. After all, when we enjoy what we do, it shows in everything we deliver!

10/24/2024

Exceed - Core Value III

Become the best at everything we do by providing elite customer service. 💚

We take great satisfaction in providing our clients with individualized service while truly understanding their needs and giving them the confidence they need to pursue homeownership.

10/23/2024

Grow - Core Value II

Strive for personal growth, and embrace company change in the pursuit of excellence. 💚

Our commitment to growth means we are always evolving and seeking opportunities to improve ourselves, our processes, and how we serve our clients. 🌱

10/22/2024

Love - Core Value I

Be kind; be humble. Treat others like family. 💚

We believe in building connections through care and compassion—creating a community where everyone feels at home.

10/21/2024

It’s Core Value Week! 💚

Our core values are our fundamental principles that guide us in everything we do at Flat Branch! We're excited to highlight our core values this week, including:

❤️ Love: We promote an enjoyable and family-like culture.
🌱 Grow: We empower our employees with growth opportunities in an employee-owned environment.
🏆 Exceed: We strive for excellence with top-tier operations and unmatched competitive pricing.
😊 Enjoy: We embrace creativity and cutting-edge technology to create a joyful experience for all.

Discover what sets us apart and see why we’re a community that feels like family! 🏡

Address

1621 Anderson Drive
Webb City, MO
64870

Website

https://www.flatbranchhomeloans.com/team/josh-mcbroom

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