Photo of Emile Flowers
Phone
MAIN: 618-530-2444
OFFICE: 618-530-2444
NMLS: 1256327
Company NMLS: 227262

Emile Flowers 

Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
Phone
MAIN: 618-530-2444
OFFICE: 618-530-2444
NMLS: 1256327
Company NMLS: 227262

Emile Flowers 

Mortgage Loan Originator 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

Apply Now

Click link to see applicable state licensing.

About

As you consider selling, buying, refinancing, or even building your dream home, there is a lot riding on your Mortgage Loan Originator. With mortgage programs and market conditions changing constantly, you need to make sure you are working with a skilled professional who can respond to you quickly.

As an experienced Mortgage Loan Originator, I understand everyone’s financial situation is different and should be treated as such. I am committed to providing my customers with mortgage services that exceed their expectations. I have the knowledge and expertise you need to make the right choice for you and your family.

I hope you’ll check out my website, look through the different loan programs I have to offer, and use USA Mortgage’s secure online application to start the journey towards your new home. After applying, I’ll give you a call to discuss the details of your loan, or we can find a time to meet in person to look over it all together. I can always be reached by phone, fax, or email for individualized service or if you have questions throughout the process. I look forward to working with you!

Reviews

241 Reviews Found. Average score 4.93 out of 5 Stars
Now showing page 1 of 31.

Matthew P. in O Fallon, IL

Great Experience on April 4, 2024
Answering my questions
Loan Originator: THE FLOWERS TEAM

Kelsey P. in O Fallon, IL

Great Experience on April 1, 2024
Emile was so helpful! She gave us expert advice that made purchasing our new home so much easier for our family. We appreciate everyone’s help in this complex process!
Loan Originator: THE FLOWERS TEAM

Hope D. in Edwardsville, IL

Great Experience on March 28, 2024
Very responsive and helped explain the whole process to us in depth as first time home buyers!
Loan Originator: THE FLOWERS TEAM

Danielle H. in Saint Charles, MO

Great Experience on March 5, 2024
The communication with the team was fantastic. They worked diligently to get us the best rate possible -- to the point of continuing to work with us after we purchased our house to watch the market for even lower mortgage rates. This is the second house we've purchased with The Flowers Team and it has been a lovely experience.
Loan Originator: THE FLOWERS TEAM

Desiree J. in Granite City, IL

Great Experience on March 5, 2024
Every step of the way, every question I had was answered.
Loan Originator: THE FLOWERS TEAM

Patrick B. in Granite City, IL

Great Experience on February 7, 2024
You both were very caring abd helpful. You took care of me the whole way. People like yourselves are rare, and do not grow on trees. I am very appreciative of everything you both did for me. Thank you very much.
Loan Originator: THE FLOWERS TEAM

Ronnie D. in Camdenton, MO

Great Experience on February 7, 2024
Being able to understand what you was talking about,you took your time and helped me get through it.
Loan Originator: THE FLOWERS TEAM

David W. in Collinsville, IL

Great Experience on January 11, 2024
Ease to ask questions. Kindness of people.
Loan Originator: THE FLOWERS TEAM

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.