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Mortgage Loans in Independence, MO

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Mortgage Home Loan

How the process works



There are a few critical documents we will need to verify to start your process.  Learn More


The appraisal insures the home you are buying is worth the price that is being offered. Learn More

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More


Signing the final documentation and receiving the keys to your new home! Learn More




Conditional Approval:

Clear to Close:



All About Independence

Independence, MO

Independence is the fifth-largest city in the state of Missouri. It lies within Jackson County, of which it is the county seat. Independence is a satellite city of Kansas City, Missouri, and is part of the Kansas City metropolitan area. In 2010, it had a total population of 116,830.

Independence is known as the “Queen City of the Trails” because it was a point of departure for the California, Oregon and Santa Fe Trails. Independence was also the hometown of U.S. President Harry S. Truman; the Truman Presidential Library and Museum is located in the city, and Truman and First Lady Bess Truman are buried here. The city is also sacred to many Latter Day Saints, with Joseph Smith’s 1831 Temple Lot being located here, as well as the headquarters of several Latter Day Saint factions. (source:,_Missouri)

Things To Do In Independence:

Come Spend A Day In Independence!

Harry S. Truman Library & Museum
Independence, Missouri is home to the Harry S. Truman Library & Museum. Dedicated to the legacy of late United States President Harry S. Truman, the facility offers visitor tours and hosts a series of lectures called ‘Talkin’ Truman.’

Midwest Genealogy Center
Part of the Mid-Continent Public Library system, the Midwest Genealogy Center houses nearly 750,000 resources related to family history. All of the resources are free to use at this 52,000 square foot facility.

Fleming Park
Covering 9,500 acres of land and water bodies, the Fleming Park attracts each year more than 1,300,000 visitors.

Waterfall Park
Waterfall Park is a public city-run park that provides visitors with a scenic and enjoyable experience. The park contains a number of amenities, including fishing access in the nearby lake, a shaded picnic area, and access to a waterfall.

Vaile Mansion
The Vaile Mansion was built in 1881 in the Victorian architectural style. It was included in several magazines and TV shows on the Great Houses to Visit list.

Bingham Waggoner Estate
The historic Bingham Waggoner Estate is an estate that provides insights into the lifestyles of wealthy 19th century residents.

Independence Visitors’ Center
While also providing the necessary information about the area to anyone looking for it, the Independence Visitors’ Center exhibits items depicting the lives of those who lived in the area in the beginning of the 19th century.

Harry S Truman National Historic Site
Declared a National Historic Site in 1983, the Harry S Truman National Historic Site has on its premises the Truman House and the Truman Farm House.

Independence Square
The Independence Square is the home of plenty business in the downtown area: cafes, boutiques, and restaurants are some of them. (source:

Education in Independence

About Independence Educational System

Four school districts have areas within the city: Independence, Blue Springs, Fort Osage Schools, and Raytown.[17] Three public high schools are located within the city limits: Truman High School, Van Horn High School, and William Chrisman High School; and two private high schools, Center Place Restoration School and Family Christian Academy, are also. Fort Osage High School is adjacent to but not inside the city limits.

Prior to Fall 2008, parts of western Independence in the Van Horn feeder pattern resided in the Kansas City, Missouri School District,but all of these students are now part of the Independence school district.

Truman High School is a public high school located in Independence, Missouri, serving students in grades 9-12. It is named after hometown resident U.S. PresidentHarry S. Truman and his family. The mascot of Truman is a patriot, and the school’s colors are red, white, and blue. Truman students are competitive with students from surrounding areas, but mostly towards William Chrisman, their cross-town rivals.

Van Horn High School is a comprehensive high school located at 1109 Arlington in Independence, Missouri, United States. It is part of the Independence School District.

William Chrisman High School is a high school located in Independence, Missouri, United States, as part of the Independence School District. The school was founded in 1888 and was known as Independence High School. The first building was located at the intersection of Pleasant and Truman Road, the current location of the Palmer/Central Office Building. It is from this location that President Harry S. Truman, First Lady Bess Truman, and Truman White House Press Secretary and Pulitzer Prize winner Charles Griffith Ross graduated from in 1901.

Colleges and universities
Blue River Community College, part of the Metropolitan Community College system.
Graceland University, Independence campus. Main campus is in Lamoni, Iowa.


Independence Image Gallery

History of Independence:

Independence is rich in history!

Independence was originally inhabited by Missouri and Osage Indians, followed by the Spanish and a brief French tenure. It became part of the United States with the Louisiana Purchase of 1803. Lewis and Clark recorded in their journals that they stopped in 1804 to pick plums, raspberries, and wild apples at a site that would later form part of the city.

Named after the Declaration of Independence, Independence was founded on March 29, 1827,[9] and quickly became an important frontier town. Independence was the farthest point westward on the Missouri River where steamboats or other cargo vessels could travel, due to the convergence of the Kansas River with the Missouri River approximately six miles west of town, near the current Kansas-Missouri border. Independence immediately became a jumping-off point for the emerging fur trade, accommodating merchants and adventurers beginning the long trek westward on the Santa Fe Trail.

Engraving of the Courthouse in Independence, 1855

In 1831, members of the Latter Day Saint movement began moving to the Jackson County, Missouri area. Shortly thereafter, founder Joseph Smith declared a spot west of the Courthouse Square to be the place for his prophesied temple of the New Jerusalem, in expectation of the Second Coming of Christ. Tension grew with local Missourians until the Latter Day Saints were driven from the area in 1833, the beginning of a conflict which culminated in the 1838 Mormon War. Several branches of this movement gradually returned to the city beginning in 1867, with many making their headquarters there. These include the Community of Christ (formerly the Reorganized Church of Jesus Christ of Latter Day Saints), the Church of Christ (Temple Lot), the Church of Jesus Christ (Cutlerite) and the Restoration Branches.

Independence saw great prosperity from the late 1830s through the mid-1840s, while the business of outfitting pioneers boomed. Between 1848 and 1868, it was a hub of the California Trail. On March 8, 1849, the Missouri General Assembly granted a home-rule charter to the town and on July 18, 1849, William McCoy was elected as its first mayor. In the mid-19th century an Act of the United States Congress defined Independence as the start of the Oregon Trail. (source:,_Missouri#History)

Education in Independence

About Independence Educational System

Independence is a larger medium-sized city located in the state of Missouri. With a population of 117,255 people and 27 constituent neighborhoods, Independence is the fourth largest community in Missouri.

Unlike some cities where white-collar or blue-collar occupations dominate the local economy, Independence is neither predominantly one nor the other. Instead, it has a mixed workforce of both white- and blue-collar jobs. Overall, Independence is a city of sales and office workers, service providers, and professionals. There are especially a lot of people living in Independence who work in office and administrative support (18.45%), sales jobs (10.31%), and management occupations (7.08%).

In terms of college education, Independence is nearly on par with the US average for all cities of 21.84%: 17.96% of adults 25 and older in Independence have a bachelor’s degree or advanced degree.

The per capita income in Independence in 2010 was $23,454, which is upper middle income relative to Missouri, and middle income relative to the rest of the US. This equates to an annual income of $93,816 for a family of four. However, Independence contains both very wealthy and poor people as well.

Independence is a very ethnically-diverse city. The people who call Independence home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Independence residents report their race to be White, followed by Black or African-American. Important ancestries of people in Independence include Irish, English, Italian, and French .

The most common language spoken in Independence is English. Other important languages spoken here include Spanish and Pacific Island languages. (source:

Molly Dean

Mortgage Banker  //  NMLS #259721

I started in mortgage banking in 2003 and eventually found my home here at Flat Branch Home Loans in 2023. The mortgage business is truly my passion. I love being able to help people buy a home for their family or their investment portfolio. Watching a person or family achieve the goal of homeownership is the BEST. Mortgage banking is more than just helping you buy a home to me. It is creating a lasting partnership with my clients and my referral partners that allow you to trust in me with your mortgage needs for life.

But, I am guessing you really clicked on my photo to learn more about me and who I am…..

I am a working mom and wife – and would not have it any other way.

I met my husband in 2009 and we married in 2011 and we welcomed Rhea Marie to the world in 2013.

When I married Josh and we had Rhea, I truly found my WHY. This little family of mine is the complete motivation I needed to grow my brand and my team to become the top local mortgage experts in the KC market.

I spend my days and nights coaching my clients about homeownership and my team about the mortgage business.

But, in my spare time, you will likely find me at the lake on the boat with family and friends. I love going to KC Royals baseball games, watching KU basketball, and watching Tom Brady play football. I love to visit my sis in Chicago or hit the blackjack tables in Vegas. But, most importantly, I love spending my free time with Josh, Rhea, and our 3 puppy dogs – Sammy, KC, and Charlie.

[email protected](913) 710-6445
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