

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
Location & Business Hours
Business Hours
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
Sat
closed
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Reviews from Web
We have worked with Steve and his team on a purchase and a refi and both times with Outstanding service! I highly recommend them for any mortgage needs. 5 Star team
Reply from Owner
March 13th, 2026 12:11 PM
Always a pleasure working with you Joe! Thank you for the opportunity to serve you and your family! 🙏 and thank you for the nice review!
Flat Branch loans has been the epitome of Excellence where mortgage lenders are concerned. My mortgage lender, Steven Wheeler, has provided exemplary service and I would recommend his services anytime.
Reply from Steven Wheeler
March 13th, 2026 03:02 PM
Thank you for your glowing review, Edward. I'm pleased to hear that you view Flat Branch Home Loans as a standard of excellence in mortgage lending. I'm truly grateful for your kind words about my service and for your willingness to recommend...
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Everyone is so very pleasant and friendly. They are there through the whole process and ready at a moment's notice if you need them wouldn't dream of using anyone else. Steve wheeler treats you like family
Reply from Steven Wheeler
March 12th, 2026 09:03 PM
It's great to hear about your positive experience, Pamila. I'm genuinely touched by your comments about feeling like family. Being there for you throughout the process is a priority for me, and it's encouraging to know that my team's approach...
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Steve was very easy to work with any questions I had were answered
the Process when very smooth
wou definitely use again to buy
or refinance
Reply from Steven Wheeler
March 12th, 2026 09:04 PM
I'm grateful for your feedback, Jeffrey. It's great to know that you found the process smooth and that your questions were addressed effectively. Your willingness to work with me again for future purchases or refinancing is appreciated. If...
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We have worked with Steve an Flat Branch loans as our mortgage lender for a number of years. Not only is Steve an outstanding communicator of vital mortgage info, but he is as professional as they come!! ADVISE TO POTENTIAL HOME BUYERS: If...
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Reply from Owner
March 11th, 2026 04:49 AM
Ed - your kind words and endorsement is super appreciated!! I love helping great people. And you are definitely great people. It is a pleasure to serve. Thank you for trusting my team and I with all of your mortgage needs!!
Great team! Very fast and responsiv.
Reply from Steven Wheeler
March 5th, 2026 05:33 PM
Thanks for taking the time to leave a review, Dalton. I'm glad to hear that you found the team responsive and efficient. If there's anything more you need or any questions you have, feel free to get in touch.
You all were very helpful throughout the entire process no question was left unanswered .
Reply from Steven Wheeler
March 3rd, 2026 05:47 PM
I'm glad to hear that you felt supported throughout the entire process, Colton. Ensuring that all your questions are addressed is a priority for me. If there's anything else you'd like to discuss or any further assistance needed, please don't...
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I had the pleasure of working with Steve Wheeler on a recent transaction, and I cannot recommend him highly enough. Steve was efficient, knowledgeable, and exceptionally professional throughout the entire process. His expertise in lending and...
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Reply from Owner
March 3rd, 2026 03:46 PM
Wow! Thank you for these incredibly kind and thoughtful words. We work very hard to make real estate and mortgage transactions as smooth as possible!
I had the pleasure of working with Steve Wheeler on a recent transaction, and I cannot recommend him highly enough. Steve was efficient, knowledgeable, and exceptionally professional throughout the entire process. His expertise in lending and...
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Reply from Steven Wheeler
March 3rd, 2026 03:35 PM
Miriam, your recommendation means a lot to me, and I'm pleased to hear about your positive experience with the transaction. It's rewarding to know that the process felt smooth and that you appreciated my guidance and professionalism. Keeping...
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The process was made quick and easy. Communication was fast as well!
Reply from Steven Wheeler
February 26th, 2026 06:59 PM
It's great to hear that you found the process quick and easy, Phoebe. Effective communication is something I prioritize, so I’m glad that contributed positively to your experience. If you have any further questions or need assistance in the...
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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