Steven Wheeler
Senior Mortgage Banker | NMLS# 960859
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
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Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
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Reviews from Web
Steven Wheeler and his awesome staff, especially Zachary Perl, Ryan McElroy, and Christina Wahlman, are an exceptional loan provider dream team! Everyone of them excelled in their precise communications with us, which were numerous due the...
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Reply from Steven Wheeler
October 2nd, 2026 06:24 PM
Thank you for your wonderful feedback, David. I'm pleased that you found our team's communication precise and effective, especially when handling numerous legal documents. It's great to know that our secure program made the process easier for...
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I had a great experience. Communication was very good and I knew what to expect from start to finish.
Reply from Steven Wheeler
October 2nd, 2026 06:24 PM
I'm pleased to hear you had a great experience, Wendy. Clear communication is a key part of what I strive for at Flat Branch Home Loans, and I'm glad it made the process smooth for you.
You and Your team Made the whole experience smooth and easy! Thank you all for getting me and my family into our first home! i would rec your team to anyone and everyone
Reply from Steven Wheeler
October 1st, 2026 01:58 PM
I'm so pleased to hear that you and your family had a smooth and easy experience with us, Jackson. Working with the team at Flat Branch Home Loans to help you into your first home was truly rewarding. Your recommendation means a lot to me!
Steve Wheeler and his staff are Olympic Gold Medal financial team performers! Truly we can see why he and his company, Flat Branch Home Loans, have earned the reputation of being the #1 overall lender in Missouri. We feel so fortunate because...
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Reply from Steven Wheeler
September 30th, 2026 02:29 PM
Thank you for your glowing review, Sandra. I'm truly grateful for your kind words and am pleased to hear that my efforts, along with the Flat Branch Home Loans team, made your home loan experience smooth and enjoyable. Providing clear communication...
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very clear communication and answers all questions
Reply from Steven Wheeler
September 24th, 2026 03:24 PM
I'm grateful for your feedback, Alex. Clear communication and answering all your questions are important aspects of my work with Flat Branch Home Loans, and I'm glad to have met your expectations.
Better communication, request all documents needed at once.
Reply from Steven Wheeler
September 23rd, 2026 06:02 PM
Thank you for your feedback, Nestor. I apologize for any inconvenience caused by the communication process, and I'll make sure to improve on requesting all necessary documents at once in the future. Your input is invaluable and helps me enhance...
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Great help from the bank. Underwriter did have a few obstacles which we overcame.
Reply from Steven Wheeler
September 14th, 2026 04:42 PM
I'm glad to hear that we could assist you, Miguel, and that any obstacles were successfully overcome. Thank you for sharing your experience with Flat Branch Home Loans.
responded quickly to any questions smooth process in explaining next steps
Reply from Steven Wheeler
September 1st, 2026 03:14 PM
I'm pleased to hear that you found the process smooth, Nicole. It's great that my quick responses helped clarify the next steps for you. Thank you for your feedback!
Easy access for all our questions and concerns. Worked well with us and our realtor. Thanks so much to Steve, Zach and your whole team. You did a great job making things less overwhelming for us. Liked the bottle of wine too. Thanks so much....
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Reply from Steven Wheeler
August 27th, 2026 02:00 PM
I'm grateful for your kind words, Douglas. It's nice to know that our team, including Zach, was able to assist you and your realtor effectively. I'm also pleased you enjoyed the bottle of wine. Thank you for choosing Flat Branch Home Loans!
It was a smooth process.
Reply from Steven Wheeler
August 4th, 2026 04:19 PM
I'm pleased to hear that the process went smoothly for you, Katherine. Thank you for choosing me and Flat Branch Home Loans. If you have any more feedback or questions, feel free to reach out.
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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
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
FHA Home Loans
Refinance - Lower Interest Rate
Refinance - Cash Out
VA Home Loans
Down Payment Assistance
First Time Home Buyer
Investor Home Loans
USDA - Rural Development Home Loans
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Addresses and Serving Areas
Primary Serving Area
Year Started
2012
Licenses
- NMLS# 960859
Awards
Top 500 Nationwide...
Achievements
- Top 500 Customer Satisfaction
- Scotsman Guide Top Originator
Hobbies
- Sports with the Kids, Church, Coldwater Food Pantry, and Pickleball
- Pickleball, Church, Kids Activities....LOL
- Pickleball, Church, and My Kid's Soccer Games!
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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