🎉 Missouri Loan Officer | Ronda Hickey

Selecting the ideal mortgage plan with Ronda Hickey at Flat Branch Mortgage Inc begins with understanding your unique financial circumstances and goals. Ronda’s expertise ensures you make a well-informed decision.

1. Evaluate Your Financial Profile:
   • Ronda will assess your credit score, income, debt-to-income ratio, and available savings. These factors influence the types of loans and interest rates you qualify for.
2. Define Your Goals:
   • Are you a first-time buyer, upgrading to a larger home, or purchasing an investment property? Your objectives help determine whether a fixed-rate mortgage or an adjustable-rate mortgage (ARM) is the better option. Fixed-rate loans offer stability, while ARMs can provide lower initial payments.
3. Explore Loan Options:
   • Flat Branch Mortgage Inc offers a variety of products, including conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans. Ronda will guide you through the pros and cons of each option to ensure you select the best fit for your financial goals.
4. Understand Additional Costs:
   • Beyond the mortgage payment, you’ll need to account for property taxes, homeowner’s insurance, and potential private mortgage insurance (PMI). Ronda ensures you have a clear picture of these costs.
5. Secure Competitive Rates:
   • With her experience in the Missouri market, Ronda works to secure competitive interest rates that save you money over the life of your loan.

For tailored guidance, contact Ronda Hickey at (417) 661-0828 or email her at rhickey@fbhl.com today.

Improving your middle credit score is a critical step in qualifying for better mortgage terms. Ronda Hickey provides actionable advice to help Missouri borrowers strengthen their credit profiles:

1. Review Your Credit Report:
   • Obtain reports from Equifax, Experian, and TransUnion. Look for errors such as incorrect account balances or outdated information. Fixing inaccuracies can lead to immediate score improvements.
2. Lower Credit Utilization:
   • Aim to keep your credit utilization below 30% of your available credit. Paying down high-interest debts can have a significant positive impact on your score.
3. Establish On-Time Payment Habits:
   • Payment history is the most critical factor in your credit score. Automate payments or set reminders to ensure bills—credit cards, loans, and utilities—are paid on time.
4. Avoid New Credit Inquiries:
   • Refrain from applying for new credit cards or loans in the months leading up to your mortgage application, as each inquiry can temporarily lower your score.
5. Address Negative Marks:
   • Work to resolve issues like collections or charge-offs. Negotiate with creditors and request updates to your credit report once debts are settled.
6. Utilize Resources Like Middle Credit Score®:
   • Middle Credit Score® is a valuable tool for understanding and improving your middle credit score, equipping you with the knowledge to qualify for better mortgage rates.

For personalized credit advice, contact Ronda Hickey at (417) 661-0828 or email her at rhickey@fbhl.com.

Absolutely! Whether you’re considering refinancing or purchasing a home, Ronda Hickey at Flat Branch Mortgage Inc provides tailored solutions for Missouri homeowners and buyers.

Home Purchase:

• Pre-Qualification and Pre-Approval: Ronda helps you get pre-approved, showing sellers that you’re a serious buyer while giving you clarity on how much you can afford.
• Loan Product Selection: From FHA loans for first-time buyers to jumbo loans for high-value properties, Ronda will match you with the best option for your financial situation.
• Step-by-Step Guidance: Buying a home can be overwhelming, but Ronda ensures the process is straightforward and stress-free, guiding you from application to closing.

Refinancing:

• Lower Interest Rates: Refinancing can reduce your monthly payments by securing a better rate.
• Cash-Out Refinancing: If you’ve built equity in your home, Ronda can help you access funds for home improvements, debt consolidation, or other needs.
• Shorten Your Loan Term: Refinancing into a shorter term can help you save money on interest and pay off your mortgage faster.

Contact Ronda Hickey at (417) 661-0828 or email her at rhickey@fbhl.com to explore your options.

Starting your mortgage application with Ronda Hickey requires the following documents to ensure a smooth process:

1. Proof of Income:
   • W-2 Forms: From the past two years to verify employment and income.
   • Pay Stubs: Covering at least the last 30 days.
   • Tax Returns: If self-employed or with additional income sources, provide returns for the past two years.
2. Proof of Identity:
   • Government-Issued ID: A valid driver’s license or passport.
   • Social Security Number: Used for credit checks and identity verification.
3. Credit Information:
   • Credit Report: Ronda will review your middle credit score and overall credit history.
   • Debt Documentation: Include details on credit cards, student loans, or car loans.
4. Proof of Assets:
   • Bank Statements: Submit the last two months of statements to verify funds for down payments and closing costs.
   • Investment or Retirement Accounts: If using these funds, provide statements showing balances.
5. Proof of Employment:
   • Verification of current employment. Self-employed applicants should provide business licenses or profit and loss statements.
6. Loan-Specific Documents:
   • FHA Loans: Additional proof of eligibility.
   • VA Loans: Certificate of Eligibility (COE) for veterans.
   • USDA Loans: Proof the property meets USDA guidelines.

For assistance with your mortgage application, contact Ronda Hickey at (417) 661-0828 or email her at rhickey@fbhl.com.