Tom Stone at Flat Branch Loans is the best mortgage banker we've ever dealt with. And the most responsive!!! He was ALWAYS available via email, phone or text. He went above and beyond, and surprised us by working past office hours on many occasions. Buying a new home was a more complicated process than we realized, my husband and I had no idea what we were getting into. Tom made that process as clear and smooth as possible, knowledgeably answering all of our questions with great patience. Tom was so personable it felt like we'd gained a new friend not just a mortgage banker. We found Tom thanks to a number of positive reviews on the Flat Branch Facebook page, not being from the Columbia area we relied heavily on reviews to find trustworthy people. Tom lived up to every stellar review and then some. We look forward to working with him again in the future and highly recommend him to anyone in need of his services. He's the best there is. read more

Jeff went above and beyond to ensure we secured our mortgage at a good rate and gave very detailed info along the way! Great team!

Do not go through this company or Weichert realtors as they use horrendous marketing techniques as to litter with ads on private property and patronize people who choose to rent. Read below as they are also a terrible company to go through with loans. read more

My wife and I made a payment on April 7, 2022 to Flat Branch for our house payment. (see attached) for confirmation email. Flat Branch did not try to process the payment until April 18 and 19 and due to emergency surgery (April 11) on my part, the payment was then returned due to inefficient funds at my bank due to the medical reasons. Brian Goff, from Flat Branch collections, called me on April 22 2022 stating he had blocked our online access to our profile and the only way to make a payment was to wire a payment, which will cost us even more. (see attached) Brian also threatened to report to credit bureaus with a late payment if 30 days late. Our payment is due the 1st of every month and he locked us out of our account at day 22. Brian also contacted me again on the 25th stating the hit to my credit. I would also like to give a big Thank You to the customer service dept (Allen, Lori and Jamie) for their assistance and understanding. On April 26 2022, I then called and talked to Allan of the Flat Branch customer service, who stated to make the payment by end of DATE on the 29th and that arrangement was made with authorization from his supervisor Lori and also to unlock the online access for us to be able to make the payment. So per the arrangement made, on April 29, my wife went to make the late payment to find access still blocked. Now we will be hit with a late notice (30 days) on our credit due to BRIAN GOFF and his neglect of duties and lack of integrity. We have never been late on payments and always pay extra every month. Unfortunately due to emergency spinal surgery the mistake was made and acknowledged on our end and we wanted to correct it. We shouldn't be forced to lose access of our account due to less than 30 days late. My wife and I also tried the payment assistance program thru Flat Branch and was emailed a packet of foreclosure paperwork. Brian Goff called me again and threatened the 30 day late hit on April 28th. I told him that there was an arrangement made and he acted insulted and again stated that the only way was to wire a payment and again, 30 day credit hit threat. I am also willing and in the process of contacting all media sources on this action of the above named employee. So you can see how Flat Branch allows an employee to threaten customers who made a mistake due to unavoidable EMERGENCY circumstances. AVOID FLAT BRANCH AT ALL COSTS! read more

Horrible experience with joe riviera! Not only was he rude and not very by helpful but he pulled the wrong credit report. What a joke! Never in my life will I ever recommend! Thanks for making my first time buying a house a horrible experience. read more

Horrible customer service apply for a loan Dave the loan officer Kristen all the information Chico's me never heard back from her sent two text messages three voicemails now my information is in her hands out in cyberspace don't do business with an unrepeatable company like this read more

DO NOT DO ANY BUSINESS WITH THIS BANK. They sold our loan to a New York company before before the first payment. Find a bank that is trustworthy, not Flat Branch. I did not do enough research on this bank and their mortgage practices. Please evaluate this review and avoid Flat Branch. read more

I work for a private credit reporting agency, and we had sent out a VOM to Flat Branch, and within less than an hour (an simply AMAZING turnaround given most take anywhere from 24-72+ hour turnarounds) thanks to the help of a rep named Mandi France from the Chesterfield Branch. I just have to say, from a credit reporting standpoint, these guys are simply put, amazing. Not only was Mandi extremely quick in getting the verification of mortgage back to me in what is an unprecendented speed, she also was extremely courteous and open to any further help I might have needed to finish the report. I just want to give props where they are due. Great job! read more

I have had the worst experience with Flat Branch Mortgage! First I could not get anyone to respond to me the entire time. Including up up to the time of closing. I requested the closing balance at least 6 times and never got a response. I sent what I had off of the last document they send which was from three weeks prior to closing and they would never confirm that it was correct or not. Transferred money, showed up to closing, turns out was not right, we owed more. No one told us and so of course we did not have payment. My husband literally had to go to the bank in the middle of closing for a money order. That's not the worst! So then the title company sent the prepaid homeowners insurance check to the wrong address (mistakes happen), Flat Branch mortgage proceeded to deposit the check not even written to them. Then sold the mortgage within a week. Needless to say 4 months later, insurance company has not been paid, Flat Branch says they don't have the money and it was sent back to Title Company. Title company has provided the cleared check. Flat Branch has assured me they don't have the money. Mysterious! Oh and the person helping at Flat Branch provided a random letter head stating check was sent back, no name, no transaction ID, nothing..... still don't have my money and is more than $2,000. Will tell everyone I know this company is HORRIBLE! DO NOT USE THEM! Worst customer service and basically at this point I feel they are not ethical. I mean who deposits a check that is not even written to them??! read more

I never thought applying for a mortgage could actually be enjoyable. I am amazed by the great work with everyone I worked with on this team, Brooke Perry was the one I worked with most. But seriously - use these guys! Never going back to a national chain ever again. It is nice to speak and not get a robotic answer, to be listened to and have help every step of the way. read more

Abbi C. was so great to work with! She was very proactive throughout the process, and really made things as easy as possible. Very responsive to questions, made sure I understood every detail, and always considerate of my time. I'm so glad I went with FBHL over my current bank. read more

Wow, great experience from good people that have rare follow up skills! Tom and Ashley kept us aware of every step. I would recommend them to anyone looking for a mortgage read more