Flint Hills Mortgage NMLS #2493743

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Flint Hills Mortgage NMLS #2493743 NMLS #2493743 | KS MC.0026487 | FL MBR8714

Flint Hills Mortgage is a licensed wholesale mortgage broker offering competitive loan options and personal guidance from experienced professionals ready to help you reach your homeownership goals.

🏡 Building your dream home just got simpler!A One-Time Close construction loan combines the construction financing and p...
10/09/2026

🏡 Building your dream home just got simpler!

A One-Time Close construction loan combines the construction financing and permanent mortgage into one convenient process, offering:

✔️ One approval
✔️ One closing
✔️ One set of closing costs
✔️ No need to requalify after construction
✔️ Contractor approval for added peace of mind
✔️ The potential to deduct eligible interest paid during construction*

Fewer moving parts, less hassle, and one simpler path from dirt to doorstep.
Thinking about building? Ask me about One-Time Close financing!
*Borrowers should consult a qualified tax professional regarding eligibility.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Your tax return says one thing. Your bank account says another. 📊 Write offs are smart business, but they can make your ...
10/07/2026

Your tax return says one thing. Your bank account says another. 📊

Write offs are smart business, but they can make your income look smaller on paper than it really is. That's where a lot of strong borrowers get stuck with traditional lending.

Non conforming loans may look at your income differently:
✔️ Bank statement programs based on your deposits
✔️ DSCR loans that qualify on a property's rental income
✔️ 1099 and asset based paths for unique situations

These programs are growing fast. Conforming loans made up just 47% of rate locks in August, while non QM climbed past 11%. (Source: Optimal Blue data via Griffin Funding)

Since we work with multiple lenders, we can help you compare which program might fit your situation best. If your file didn't fit the box last time, it could be worth a fresh look. 💼

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

It’s Mortgage Tip Tuesday! 💡 Seller concessions are funds a seller agrees to contribute toward eligible costs when you b...
10/06/2026

It’s Mortgage Tip Tuesday! 💡

Seller concessions are funds a seller agrees to contribute toward eligible costs when you buy a home. Here are a few ways they can help:

• Lower your upfront costs by covering some of your closing expenses, so you bring less cash to closing.
• Lower your interest rate by paying an upfront fee called “discount points.” A lower rate can mean a lower monthly mortgage payment.
• Lower your payments temporarily by funding a temporary interest rate buydown. This helps you pay less each month at the start of your loan, with payments increasing to the full amount as the buydown ends.

Let’s talk through how seller concessions could help with your home purchase and which option fits your goals.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Found the right home before yours has sold? 🏡 A bridge loan may allow qualified buyers to access funds tied up in their ...
10/05/2026

Found the right home before yours has sold? 🏡

A bridge loan may allow qualified buyers to access funds tied up in their current home before the sale is complete. This can make it possible to move forward with the next purchase without waiting for the current home to close first.

It isn’t the right fit for everyone, and the complete financial picture needs to be reviewed.

If timing is keeping you caught between buying and selling, let’s see whether a bridge loan could help.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Could buying a home still fit your plans this year?If you’ve put your search on pause, a fresh look at your financing co...
10/02/2026

Could buying a home still fit your plans this year?

If you’ve put your search on pause, a fresh look at your financing could help you decide what comes next. A few places to start:

• Update your numbers using today’s rates and your current finances.
• Compare loan options, including fees and upfront costs.
• Let a monthly payment you’re comfortable with guide your search, including taxes and insurance.

You don’t have to have a home picked out to start the conversation. Let’s find out what your budget could make possible today.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

You can already picture it. A kitchen made for gathering, a layout that fits your life, and a porch where you can slow d...
10/01/2026

You can already picture it. A kitchen made for gathering, a layout that fits your life, and a porch where you can slow down.

One-Time Close financing brings construction and your long-term mortgage together. Depending on the program and your qualifications, benefits may include:

• One closing instead of two, which may help reduce duplicate closing costs.
• The ability to include your land purchase.
• Options to build with less than 20% down.
• And more, depending on the loan program.

Thinking about building? Before you choose the floor plan, let’s explore your financing options.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Maybe it’s a kitchen with room for everyone to gather, an extra bedroom, or a space that finally works for your everyday...
09/30/2026

Maybe it’s a kitchen with room for everyone to gather, an extra bedroom, or a space that finally works for your everyday life. You love where you live. There are just a few things you’d love to change.

Your home’s equity may offer a way to bring those ideas to life. A HELOC or standalone second mortgage could help fund improvements while keeping your existing first mortgage in place.

The right approach depends on more than the project itself. It means looking at the available equity, the additional payment, and how the financing fits your budget and goals.

What have you been imagining for your home? Let’s explore a way to bring those plans to life.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Mortgage Tip Tuesday 💡Homeowner’s insurance isn’t just another item to check off before closing. The premium becomes par...
09/29/2026

Mortgage Tip Tuesday 💡

Homeowner’s insurance isn’t just another item to check off before closing. The premium becomes part of your monthly payment, and a higher-than-expected quote could change the numbers you were planning around.

Once you’re under contract, start shopping early and send the quote to your mortgage professional as soon as it’s available. That gives you time to compare coverage and avoid a last-minute surprise.

Found the home? Make the insurance quote one of your first calls. 🏡

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Fall is here, but there’s still time to make a move before the holidays. 🍂If buying a home is on your mind, here’s a fal...
09/25/2026

Fall is here, but there’s still time to make a move before the holidays. 🍂

If buying a home is on your mind, here’s a fall checklist to help you get started:

✅ Review your credit report and address any errors
✅ Hold off on new credit cards or big financed purchases
✅ Gather your pay stubs, W-2s, and bank statements
✅ Get pre-approved so you know your budget before touring

Even if spring ends up being the right time for you, these steps will put you ahead of the game.

Ready to see what’s possible? Let’s talk.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Think you need 20% down to build a home?Traditional construction financing that requires a second closing for the perman...
09/24/2026

Think you need 20% down to build a home?

Traditional construction financing that requires a second closing for the permanent mortgage often comes with a larger down payment requirement.

For qualified borrowers with less than 20% down, a One-Time Close construction loan may provide another path by combining the construction financing and permanent mortgage into one closing.

If the down payment has been standing between you and building, let’s see whether this option could be a fit.

Julie Conlin
Principal Owner/Loan Originator
NMLS #: 459117
📞316.213.9347
📧[email protected]
🌐www.flinthillsmortgage.com

Address

127 E 2nd Street N
Wichita, KS
67202

Telephone

+13167067350

Website

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