While there are many options for home loans today, it can be difficult to find a community-based lender that seeks to build individual relationships with clients. Beth Langston, a senior mortgage banker with Flat Branch Home Loans, is such a lender in Lee’s Summit who offers a range of loan services.
While Flat Branch Home Loans is licensed in 21 states throughout the Midwest, its local offices are designed to be immersed in the communities they serve. Langston has been in the mortgage industry since 2003 and enjoys the benefits community-based lending brings, which includes local accessibility and knowledge of individual cities and neighborhoods.
“The culture here really promotes that everyone is a family—it’s not just a number,” Langston says. “Our teams have very personalized communications for each loan.”
As such, they have the staff to provide personal answers to questions, and they also have an app to track the status of each loan.
Flat Branch Home Loans offers a Community Champions program as a way of recognizing emergency medical technicians, fire and police department staff, 911 employees, teachers and administrators, and healthcare professionals working with COVID-19 patients. This program waives the appraisal fee and often the processing fees on any type of loan, a benefit that can save up to $900. Langston says this can be significant in terms of how much money someone is required to bring to closing.
“It’s the least we can do for them as a thank-you gift,” Langston says.
She says one of the company’s goals was to have a large Community Champions event celebrating the various public servants. While that could not happen in 2020, she says they hope to do it in the future. In the meantime, they are currently working to bring individualized attention to local firehouses and schools.
Brenda Bradford is a 911 supervisor for the city of Overland Park and is grateful for the program, which she was able to benefit from when her house was built a few years ago. Being a Community Champion at the time of purchasing her home, she is able to benefit from the CC program once again with her refinance at these historically low rates.
Bradford appreciates that Flat Branch Home Loans recognizes public servants, and she feels the company genuinely cares about their clients. Bradford also says Langston called her when interest rates fell and presented the idea of refinancing to her. She says there are not many lenders out there who will initiate such a discussion, but Langston did.
As interest rates have fallen to historic lows this year, Langston and her team have experienced a boom in the number of clients seeking to refinance. In fact, they have been working at maximum capacity and hiring significantly.
If you are seeking a home loan or are interested to see if you can save through refinancing, Beth Langston provides free mortgage overviews. Potential clients are free to apply online at flatbranchhomeloans.com/team/beth-langston.