Emily Machetta - Flat Branch Home Loans

09/24/2026

Fall can be a great time to buy a home, especially if you're prepared! 🍂

Here are a few tips to keep in mind:
📉 Watch for price reductions on homes that have been on the market longer
⚡ Pay attention to heating systems, insulation, and energy efficiency during tours
❄️ Ask about winter maintenance costs before making an offer
✅ Get pre-approved so you're ready when the right home hits the market

A little preparation can go a long way! 🏡

09/22/2026

Mortgage rates can feel like they change overnight, but there's a lot that goes into where they land. 📊

Interest rates are influenced by factors like inflation, the economy, and the bond market, not just the housing market. 📉

The good news? The "right" rate is not always the lowest rate. Finding the best loan strategy for your goals matters just as much. 🏡

Whether you're buying now or planning ahead, we're here to help you and understand your options with confidence. 🤝

09/19/2026

Hey Collinsville, look at this beauty!!

Come see us this Sunday at 14217 N 75th E Ave in Collinsville. We can't wait to see you there!

09/19/2026

Sunday plans? Come check out this beautiful home!!

Come see us Sunday at 2716 W Pensacola St! 4 bed / 2 bath house in Bentley Village in Broken Arrow. See you then@aprilatexitprimerealty

09/17/2026

When applying for a mortgage, you'll likely hear the terms 'assets' and 'liabilities'. What are they? 🤔

Assets are resources you own that have value:
💰 Checking and savings accounts
📈 Retirement accounts
💼 Investments
🏡 Real estate

Liabilities are debts or financial obligations:
💳 Credit card balances
🚗 Auto loans
🎓 Student loans
📝 Personal loans

Understanding both helps paint a clear picture of your financial health and can make the mortgage process smoother.

We're here to help you every step of the way! 🤝

09/17/2026

🏡 Manufactured-home transactions can come with a few extra moving pieces. Catching potential title, VIN, lien, and ownership issues early can make all the difference in keeping closing on track.

Realtors, lenders, buyers, and sellers—if you have a manufactured-home transaction coming up, Arrow State Title is here to help. 💚

Give us a call and let’s get it headed in the right direction!

09/15/2026

Thinking about buying a home but worried about the down payment? 💭 You're not alone!

Here are a few simple ways to start building your savings:
💵 Set up automatic transfers to a dedicated savings account
📉 Reduce non-essential monthly expenses
💰 Put bonuses, tax refunds, or gift money toward your goal

Don't let the down payment hold you back!

Let's explore your options and create a plan that fits your goals. 🏡

09/14/2026

5.0 star review received on Experience.com for Emily Machetta by Christina H - Communication with the girls was great, timely and when I had a question they were quick to respon.

Click to see all 210 reviews of Emily Machetta, Mortgage Banker | NMLS # 1384085

09/10/2026

Should you build a home or buy an existing one? 🤔 The answer depends on your goals. 🏠

✅ Building: Personalized layouts and finishes, brand-new systems and features, opportunity to create your dream space
✅ Buying: Faster move-in timeline, established neighborhoods, potentially lower upfront costs

Both paths come with great advantages, and there is no one-size-fits-all answer!

Ready to break ground or turn the key? Reach out today & let's get you home!

09/08/2026

You DON'T need to be completely debt-free before buying a home! ⬇

When reviewing a mortgage application, we look at more than just your debt. We also consider factors like:
💰 Your income
📊 Credit history
📋 Debt-to-income ratio
🏦 Available assets and savings

Whether you're buying solo or working with a growing family, we're here to help! 🏠

Use our DTI calculator here: https://flatbranchhomeloans.com/resources/dti-calculator