

Emily Machetta
Mortgage Banker | NMLS# 1384085

Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always en... Show More
Location & Business Hours
Business Hours
Fri
9 AM to 6 PM
Sat
9 AM to 6 PM
Sun
9 AM to 6 PM
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Reviews from Web
she is the best
Reply from Emily Machetta
May 31st, 2026 03:26 PM
Logan, I appreciate your kind words and am pleased to know you had a positive experience. If there's anything more I can do for you, feel free to let me know.
Emily was so patient and kind! I appreciated her explaining things to me!
Reply from Emily Machetta
May 31st, 2026 06:56 PM
Abigale, I appreciate your kind words. I'm glad to know that my patience and explanations were helpful to you. If you have any more questions in the future, feel free to reach out!
Emily was efficient and offered several choices to my client. She patiently answered all questions and made sure everything was completed on time.
Reply from Emily Machetta
June 20th, 2026 08:32 PM
Susan, I'm grateful for your feedback. I'm pleased to hear that I was able to offer a range of choices and ensure everything was completed promptly for your client. Thank you for recognizing my efforts in addressing all questions with patience....
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Very appreciative of Emily for doing everything she could to help us with our house
Reply from Emily Machetta
May 26th, 2026 01:24 PM
Brandon, I'm grateful for your kind words and pleased to know I could assist you with your house. If you have any more questions or need further assistance, please don't hesitate to reach out.
As first time home buyers Emily was great to work with. She answered all of our questions and helped guide us through all steps of the process. This resulted in a smooth and speedy process.
Reply from Emily Machetta
April 30th, 2026 06:45 PM
Mercedes, I'm pleased to know that your experience as first-time homebuyers was smooth and efficient. It was great working with you and guiding you through the process. Thank you for your kind words about my assistance.
As first-time homebuyers using the Homes for Heroes program and a VA loan, Emily and the team at Flat Branch made the entire process smooth and easy to understand. We honestly never thought we would be in a position to buy a home, so finally...
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Reply from Emily Machetta
April 24th, 2026 03:23 PM
Nickalas, I'm so glad to hear that your experience as first-time homebuyers with the Homes for Heroes program and a VA loan was smooth and comprehensible. It's truly wonderful that you now have a place of your own, and I'm grateful I could...
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I was given several different closing cost in the last few days. Then on the last day my note went from a 30 year to a 20 year, which raised my monthly payment. I was told the interest rate would drop by going to a 20 year note. IT DID NOT....
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Reply from Emily Machetta
April 6th, 2026 05:45 PM
I appreciate you taking the time to share your experience and understand how stressful unexpected changes can feel, especially close to closing. Loan approvals are based on several qualifying factors that must remain consistent from application...
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Emily and her team went above and beyond; Especially when it came to communication! I could not have asked for a better person or company to assist in my home purchase!
Reply from Emily Machetta
April 11th, 2026 10:01 PM
Thank you, Teion, for your thoughtful feedback. I'm thrilled to hear that the communication exceeded your expectations during your home purchase journey. It was my pleasure to assist you, and I’m grateful you chose Flat Branch Home Loans. If...
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Was great working with Flat Branch! Appreciate their hard work :)
Reply from Emily Machetta
April 19th, 2026 03:30 PM
I'm happy to hear that you enjoyed working with Flat Branch, Melissa. I appreciate your kind words about our hard work. If there's anything else you need, please feel free to reach out.
Help me understand everything and answered any questions that I had
Reply from Emily Machetta
March 28th, 2026 09:17 PM
I'm pleased to know that I could help clarify everything for you and address your questions, David. It's important to me that you feel informed and supported throughout the process. If there's anything else you need, don't hesitate to reach...
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About
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Construction Loan
Fixed Rate Mortgages
USDA Loans
Cash-Out Refinances
Specialities
HUD 184
FHA
Conventional
USDA
Manufactured Housing
First Time Homebuyer
Homes for Heroes
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Positions
- Flat Branch Home Loans - Sr. Mortgage BankerNov 30th, 2018 - Current
Memberships
- Tulsa Home Builders Association
- Professional Women in Building
- Homes for Heroes Mortgage Specialist
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 1384085
- Licensed in AL, AR, AZ, GA, IL, KS, LA, MN, MO, MS, NE, NM, NC, OH, OK, TX, VA, WA
Hobbies
- Golf
- Softball
- Sooner Football Games with family and friends
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Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149