

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
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
Steve helped me through a refinance and was able to help me save qiute a bit. He and his team are effiecient communicative and super friendly and helpful through the whole process always keeping you up to date on what step in the process you...
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Reply from Owner
February 26th, 2026 08:42 PM
Nathanael! My man! I really appreciate the kind words and for you taking the time to leave this really nice review! It is always a pleasure working with you, and I am super happy that you had another great experience refinancing your mortgage...
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Great and easy
Reply from Steven Wheeler
February 26th, 2026 05:22 PM
Thanks for your feedback, Jason. I'm glad to know your experience was easy and met your expectations. If you ever have more questions or need assistance in the future, feel free to get in touch.
Steve was very honest with us about the whole process and told us all of our options . He was also very good about communicating with us and answering our questions in a timely manner.
Reply from Steven Wheeler
February 25th, 2026 04:16 PM
I'm pleased to hear that you felt informed and supported throughout the process, Derek. Transparency and timely communication are key aspects I focus on, so I'm glad you found these helpful. If you have any more questions or need assistance...
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Steve, Zach, and the rest of the team have been amazing in helping my wife and I become first time homebuyers. They have all been honest and upfront about every step of the process and have been great about answering our questions in a timely...
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Reply from Owner
February 24th, 2026 10:33 PM
Derek - thank so much for this amazing review!! Your kind words mean the world to us! It was a pleasure! And we hope you enjoy your new home for many years to come!
Steve is always super communicative and makes the whole loan easy and worry free!
Reply from Steven Wheeler
February 23rd, 2026 02:45 PM
It's great to hear that you found the loan process easy and worry-free, Nathanael. Effective communication is something I prioritize, so I'm glad it made a positive difference in your experience. If you have any more questions or need assistance...
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He was so kind and helpful
Reply from Steven Wheeler
February 23rd, 2026 02:45 PM
Thank you for sharing your thoughts, Lana. I'm glad to hear that you found my approach kind and helpful. Ensuring a positive experience is important to me, and your feedback means a lot. If there's anything more I can do for you, please feel...
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The whole experience of refinancing went well with helpful and courteous information coming from Steven to help make the process flow smoothly.
Reply from Steven Wheeler
February 10th, 2026 03:15 PM
I'm glad to hear that the refinancing process went smoothly for you, Alan. Providing helpful and courteous information is very important to me, so I'm pleased it helped make everything flow well. If you have any further questions or need additional...
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Just worked with Steve and his team again to close a home refinance. I've worked with Steve several times and each time has been the same great experience. Fair terms, but more importantly, his team continues to be responsive with Q/A and efficient...
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Reply from Owner
February 6th, 2026 02:07 PM
Deeta, I’m absolutely thrilled that you enjoy working with us again!! Thank you so much for sharing your experience ! We truly appreciate your business. It’s always a pleasure to work with you.
Steven is always very transparent with the information that he shares, which makes it easy to make sound financial choices. His team is always really responsive when I have questions. Great experience!
Reply from Steven Wheeler
February 5th, 2026 09:27 PM
I'm grateful for your feedback, Deeta. It's important to me to ensure that all information shared is clear and helpful in making informed financial decisions. I'm glad to hear that my team's responsiveness has contributed positively to your...
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Steven and his team are very knowledgeable, bend over backwards to get things done, and always do a great job. This is my fourth or fifth loan with them.
Reply from Steven Wheeler
February 3rd, 2026 05:28 PM
I genuinely appreciate your continued trust, Brandon. It's great to hear that you find our team knowledgeable and dedicated to ensuring everything is handled smoothly. Your return for multiple loans means a lot to me, and I'm committed to maintaining...
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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