Flat Branch Home Loans Navigates Market Volatility With People-First Approach

Duda stated that the company's strategy remains consistent regardless of market conditions, with continued investment in technology balanced against the needs of its employees. Flat Branch focuses on providing its sales teams with the necessary products, advanced technology, and information to effectively serve their local markets. This includes expanding product offerings with down payment assistance, non-QM mortgage products, and one-time close options, supported by a technology stack aimed at enhancing efficiency and future readiness.

Brand highlighted the importance of selecting the right technology for sales teams and the communities they serve. The company involves loan officers early in the mortgage technology decision-making process, using borrower and originator experiences to guide vendor selection. Flat Branch has adopted Polly as its product and pricing engine and utilizes servicing and market data to develop actionable campaigns. The leaders believe that embracing volatility can strengthen relationships with borrowers and referral partners.