Jason Cowgill - Flat Branch Home Loans

06/19/2026

5.0 star review received on Experience.com for Jason Cowgill by Anna M - He was nice and did an excellent job!! i'll definitely recommend him to anybody. That's trying to get a house..

Click to see all 784 reviews of Jason Cowgill, Loan Officer

06/19/2026

If you or anyone you know wants to live outside the city limits (though some areas still have eligibility within city limits) and is looking for a zero-down payment, look no further than the USDA Rural Development loan. Flat Branch is the # 4 lender for this wonderful program in the entire country, and is an expert in helping homeowners achieve their dreams without having to make a down payment. The credit score requirements are the lowest of any down payment program that I have, and they even allow zero credit score manual underwriting. Reach out to me for more details, and it would be my honor to help.

06/18/2026

Are you ready? 🏡

The buyers who win aren't luckier, they're just more prepared. Being market ready means having your pre-approval in place, your paperwork ready, and a clear understanding of your budget so you can move quickly and confidently. 💚

No matter what the market is doing, preparation puts you in control. Have questions? Let's talk!

06/16/2026

Saving for a home can feel like a big hurdle, but the right support can make all the difference. 💚 Down payment assistance programs are designed to give buyers a boost by lowering upfront costs and making homeownership within reach.

With that extra boost, you may be able to move forward sooner, keep more savings in your pocket, and feel more confident in your purchase.

For more information on down payment assistance, visit here: https://flatbranchhomeloans.com/loan-programs/down-payment-assistance

06/11/2026

When buying a home, taxes play a bigger role than most people expect! 🏡

Property taxes are included in your monthly mortgage payment, which means higher taxes can impact how much home you can comfortably afford. Even if two homes have the same price, different tax rates can change your monthly payment significantly. 💰

Our job is to help you look at the full picture, not just the purchase price. We're here to guide you toward a payment that feels comfortable, sustainable, and supportive of your goals now and in the future! 💚

Have questions? Reach out today!

06/09/2026

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

06/04/2026

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵

Loan-to-value = loan amount ÷ home value × 100

LTV stands for loan-to-value, or how much you’re borrowing compared to the home’s value.

Why it matters:
📈 Higher LTV can mean a higher payment
💰 Lower LTV could help you save over time

Even a small change in your down payment can impact your LTV ratio. ✅

Let’s get you home!

06/03/2026

5.0 star review received on Experience.com for Jason Cowgill by Cody W - Jason was very helpful and very professiona. It was very easy to work with him.

06/02/2026

Income too high? Not a first-time buyer? Credit score below 640? Only have enough money saved for closing costs? If you have been looking for down payment assistance but told you don't qualify then I have an option that may be just what you are looking for today. Chenoa is a nationwide program without any income limits, geographic restrictions, or first-time homebuyer requirements.

http://fbhl.com/jcowgill

06/02/2026

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think:

✔️ You have consistent income and at least 2 years of work history
✔️ Your credit score is in a qualifying range and you are managing debt well
✔️ You have some savings built for a down payment plus closing costs

Want to discuss your options further? Reach out today!