Kate and Tim Day - Flat Branch Home Loans

5.0 star review received on Experience.com for Kate Day by David A C - FlatBranch is a very friendly...helpful....caring loan company...Would use them anytime!!!

New ★★★★★ 5 Star Experience.com Review by David A C Click to see all 204 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

5.0 star review received on Experience.com for Kate Day by Dylan S K - Everything was handled fast and professional, it was a very easy proces!

New ★★★★★ 5 Star Experience.com Review by Dylan S K Click to see all 204 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

5.0 star review received on Experience.com for Kate Day by Shane L P - Extremely professional and very caring person. Couldn't be happier with my experience!

New ★★★★★ 5 Star Experience.com Review by Shane L P Click to see all 202 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

5.0 star review received on Experience.com for Kate Day by Shane P - I cannot recommend Kate Day highly enough! She was absolutely incredible to work with from start to finish. Kate is extremely efficient, highly responsive, and took the time to answer every single question I had, no matter how small. She went above and beyond by getting all of our paperwork organized right upfront, which made the underwriting process unbelievably smooth and stress-free. Beyond her stellar professionalism, Kate is a genuinely warm and kind person who makes you feel supported every step of the way. If you want a seamless lending experience with someone who truly cares, look no further than Kate!

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5.0 star review received on Experience.com for Kate Day by Laura K - We appreciate the communication and the ease of the transaction!

New ★★★★★ 5 Star Experience.com Review by Laura K Click to see all 200 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543

When buying a home, taxes play a bigger role than most people expect! 🏡

Property taxes are included in your monthly mortgage payment, which means higher taxes can impact how much home you can comfortably afford. Even if two homes have the same price, different tax rates can change your monthly payment significantly. 💰

Our job is to help you look at the full picture, not just the purchase price. We're here to guide you toward a payment that feels comfortable, sustainable, and supportive of your goals now and in the future! 💚

Have questions? Reach out today!

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

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!

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!

5.0 star review received on Experience.com for Kate Day by Myrna A W - Kate was amazing. She went above and beyond. She keep us informed and answer any question we had. Would recommend her to anyone.

New ★★★★★ 5 Star Experience.com Review by Myrna A W Click to see all 199 reviews of Kate Day, Senior Mortgage Banker | NMLS # 870543