Dan Main

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!

5.0 star review received on Experience.com for Dan Main by Aaron P G - Working with Dan Main and his team made the loan process simple and stress-free from start to finish.

He was always available to answer questions, kept me updated throughout every step of the process, and made sure I understood what was happening and what was needed next. His communication was excellent, and there were never any surprises.

If you're looking for someone who makes the mortgage process easy and keeps you informed every step of the way, I highly recommend him.

New ★★★★★ 5 Star Experience.com Review by Aaron P G Click to see all 367 reviews of Dan Main, Senior Mortgage Banker | NMLS # 502036

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!

Big announcement! 🎉

Today I officially added the state of Kansas to my mortgage licenses! I’m now professionally licensed in SIX states — with four connected right across the middle of the country:

🏔 Colorado
🌻 Kansas
⚜️ Missouri
🌆 Illinois
🍑 Georgia
🌴 Florida

Whether you’re buying your first home, upgrading, relocating, or investing, I’d love the opportunity to help guide you through the mortgage process.

Who do you know that’s looking to make a move?

Call Dan — your Mortgage Man — and let’s get you home! 😊🏠🔑

Flat Branch Home Loans | Home Mortgage Lender We're licensed throughout the Midwest to help get you home. Find out more about our loan programs and get your homebuying process started today!

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!

5.0 star review received on Experience.com for Dan Main by Susan M W - Dan and team are very kind, patient, and reaponsive.

New ★★★★★ 5 Star Experience.com Review by Susan M W Click to see all 366 reviews of Dan Main, Senior Mortgage Banker | NMLS # 502036

5.0 star review received on Experience.com for Dan Main by Tonya B - Dan was amazing. He was quick with responses, he got things done quick , and was a blessing to work with .

New ★★★★★ 5 Star Experience.com Review by Tonya B Click to see all 365 reviews of Dan Main, Senior Mortgage Banker | NMLS # 502036

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!