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NMLS: #928446
Jim Decker
Divisional Sales Manager
Awards
(1)
President’s Club, Branch Award (2024, 2025)
Phone number:
Email:
[email protected]Jim Decker is a seasoned sales executive and strategic leader serving as a Divisional Sales Manager at Preferred Rate. Jim is best known for driving revenue growth, building high-performing teams, and fostering strong client relationships. With more than two decades of experience in sales leadership, Jim is known for his competitive mindset, consultative approach, and ability to mentor his team members to reach their full potential. His leadership style blends accountability, energy, and authenticity — creating a culture where both people and production thrive.
Outside of work, Jim’s greatest pride is his family. He and his wife, Stacey, are proud parents of three daughters and grandparents to three grandchildren. They are at the center of everything he does, and much of his motivation comes from creating lasting memories and opportunities for them.
Jim and Stacey split their time between Wentzville and Naples, enjoying the best of both Midwest community life and Florida’s coastal lifestyle. They love vacationing and taking advantage of time together, whether traveling or simply relaxing near the water.
In his free time, Jim enjoys BBQing, fishing, boating, golfing, and spending quality time with friends and family. Whether hosting a backyard cookout, teeing it up on the course, or out on the water, he values making the most of every season of life.
Professionally driven and personally grounded, Jim brings passion, integrity, and energy into everything he does — leading teams by example and living life fully both in and out of the office.
Licensed in:
IL and MO
Specialties:
First-Time Homebuyers
VA Loans
Jumbo Financing
Renovation Loans
Investment Property Loans
Physician Loans
Lending Specialties
First-Time Homebuyers
VA Loans
Jumbo Financing
Renovation Loans
Investment Property Loans
Physician Loans
Jim Decker's Awards and Recognition
President’s Club, Branch Award (2024, 2025)
Contact info
Jim Decker's team

Heather Mayfield
3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

Larry Scarpace
3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

Samantha Stroot
3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568
Why work with me?
5.0/5 Rating
19 reviews
25 years
Of experience
Real clients. Real results.
Loan Programs
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.


We'll watch the market for you
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Mortgage Loan Calculator
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$400,000
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Frequently asked questions
With short and easy to understand answers.
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[email protected]How fast can I get pre-approved?
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How fast can I get pre-approved?
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
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