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Find the Right Loan for Your Home Journey

Serving Springfield and Southwest Missouri

Licensed in Missouri and Florida

Jeff Schiman

Mortgage Banker

jschiman@fbhl.com

NMLS#1928050

Home Loan Options

Your home journey should feel exciting, not stressful. My team and I are here to make sure it does. We take the time to listen, answer your questions, and guide you through each step with confidence and care. From first-time buyers to long-time homeowners refinancing, we’re here to make the process simple and stress-free.

Conventional LoansIdeal for borrowers with solid credit and a down payment. Conventional loans offer flexible terms and competitive rates.

Best For: Buyers with stable income and good credit. 

Learn more about Conventional Loans. 

FHA LoansPerfect for first-time buyers or those rebuilding credit. FHA loans feature lower down payments and more flexible qualifications.

Best For: First-time buyers and those with limited savings. 

Learn more about FHA Loans. 

USDA LoansFor qualifying rural and suburban homebuyers, USDA loans offer 100% financing and low interest rates.

Learn more about USDA Loans

VA LoansAvailable to veterans, active-duty service members, and eligible spouses. VA loans often require no down payment and have favorable terms.

Best For: Military families looking for affordable homeownership. 

Learn more about VA Loans.

Get Started!

Use our FREE online tools to start your home-buying journey!

What Our Clients Are Saying

We’re proud of the relationships we build with every client we serve. Take a look at what some of the homeowners have to say about their experience working with our team.

I highly recommend Jeff! He took amazing care of us and closed our deal in just two weeks, while another company took five weeks and still had issues. The entire process was smooth and stress-free. I can’t wait to work with Jeff again in the future!

J Newby

Totally awesome. Great communication and Jeff explains everything for you. He is very knowledgeable and answers all questions. I highly recommend.

K Cullumber

Jeff was amazing. He communicated all the details, all the way through the process. He is a great guy, super down to earth. Very thankful that we were guided towards him. He is sharp and thoughtful, which I very much appreciated. We will definitely reach again for all of our housing needs.

J Schmidly

Jeff made our home buying experience seamless from start to finish. A lot had changed since we had last purchased a home and he made sure we had answers to all of our questions! He was also really proactive in keeping us informed during the buying process. If you want a true professional, let Jeff assist you!

N Tracy

Working with Jeff is great! Prompt, professional service and a genuinely caring attitude. He is an awesome teammate to have on your side!

B Fisher

Working with Jeff has been an absolute pleasure from start to finish. He goes above and beyond the entire mortgages process. His communication is excellent answering every question quickly, clearly, and kindly, and being very informative throughout the entire process. I highly recommend Jeff as he delivers exceptional service!

K Peacher

Jeff Schiman, Mortgage Banker

(417) 844-9047

4350 S. National, Suite A100

Springfield, MO 65810

NMLS#: 1928050

Flat Branch 

(417) 877-0250

4350 S. National, Suite A100

Springfield, MO 65810

NMLS#: 224149

Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. For licensing information, go to nmlsconsumeraccess.org.

© 2025 Jeff Schiman, 417 Mortgages. All Rights Reserved.