“We sold our home that had mortgage with Flat Branch. closed on August 10 when we finally got a check from them for the remaining balance they kept more money saying that is how they do business. Every house we ever sold the mortgage companies would give us our money owed from the day of closing. They have stolen our money, refuse to give it to us from date of closing and act like they don’t have to do anything about it. If I knew at the beginning this is how they do business we would have hone elsewhere. We will never use Flat Branch again for home mortgage loan.”
“the guy i spoke with Josh Fulton. I filled out the application - he told me that he was about to send me my pre approval. it has never come! i have called, texted and emailed no response this guy is dishonest”
“I used Ronda Hickey to refinance my home and she and her team made it almost effortless on my part. They text and emailed me the documents that they needed and helped guide me in the right direction to help get them completed on time.
They did and excellent job.”
“I used Ross Woods with Flat Branch Home loans in Colombia mo they know how to take the glory out of buying a home and turning it in to a nightmare very disappointed still waiting on answers on what went wrong”
“My recent experience with this service was nothing short of a nightmare. I encountered appalling service marked by unfair treatment, potential mishandling of customer information, and an unresponsive management team, including Jeremy Knox, Renne, and Kyle the manager. Despite bringing my concerns to the branch manager, Amy, the issues remain unresolved. To make matters worse, there were indications of racism and a pervasive lack of professionalism. I strongly advise against using this service.”
“My experience with Jeremy Knox and Mrs. Renee at this branch was extremely disappointing. They were unhelpful and displayed a complete lack of professionalism.
I decided not to proceed with any loan applications through this branch as a result of this negative experience. Additionally,
it's concerning that our information may have been shared with brokers without our consent, which further erodes trust in their services.”
“Lindsey Dehn was the most rude, and hateful lender at that bank! She was not communicating at all and left us completely in the dark half the time. When she did find the time to reply to us weeks upon weeks later, she was very rude and demeaning in the way she spoke. I’m so disgusted with flatbranch’s treatment to their customers.”
“My mortgage guy, Tom is of no use. Spoke to him once about a month ago and haven't heard from him since. Meanwhile I'm working with another girl who says that Tom is still my agent? WHAT??!!
The only reason I even decided to go with FBHL is because I liked the FIRST guy I spoke with, he seemed like he was ready to pull up his sleeves and get to work for me.. imagine how my heart sank when he said he will find a loan officer for me to work with! Think I'm going to check out another bank now, just so I don't have to deal with being left in the dark for over a month!... Hey flat Branch just in case you're not aware Tom doesn't do anything but send generic happy holiday emails.
I was promised personalized service, this ain't it!”
“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. 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 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”
“I want to say just how ridiculous it was working with Flat Branch Home loans. They denied approval because I am self-employed. I own a marketing agency which is a digital business meaning I can do work anywhere. They didn't approve my home loan because they said the majority of my business wasn't in the state in which my wife and I wanted to relocate to. Ridiculous, I have the income to qualify and down payment as well as great credit scores as well. Don't get drug through their process, because it's one with stipulation.”
