Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Jim Decker smiling outdoors, representing Preferred Rate's trusted financial services.
Jim Decker, a friendly financial professional at Preferred Rate, providing expert advice.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #928446

Jim Decker

Divisional Sales Manager

Awards

(1)

President’s Club, Branch Award (2024, 2025)

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)

Jim Decker's team

Heather Mayfield smiling portrait for financial services and mortgage solutions.
Professional headshot of Heather Mayfield, emphasizing trust and expertise in mortgage and financial services at Preferred Rate.
Heather Mayfield
Business Development Manager

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

Preferred Rate logo representing mortgage and loan services for Larry Scarpace.
The Preferred Rate logo associated with Larry Scarpace, highlighting expert mortgage and loan solutions.
Larry Scarpace
Loan Officer Assistant

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

Portrait of Samantha Stroot, financial expert at Preferred Rate, smiling confidently.
Samantha Stroot, a dedicated financial professional at Preferred Rate, offers expert advice on mortgage and loan solutions.
Samantha Stroot
Sales Leader

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.

Very efficient

Heidi H

Extremely responsive and always 5 steps ahead in preparation.

Troy W

Jim and Larry were a pleasure to work with. Would recommend them to anyone! 

Kali P

Everyone on the team was spot on. Kept us up to date every step and closing was seamless. Great Job !

John M

Great experience with Jim and his team!

Michael D

James and the team was very communicative and honest about the process. Will definitely recommend to anyone looking for a lender.

Eric B

Jim and his team were great to work with. Will definitely recommend to friends and family.

Dillon N

Jim and his whole team were the best to work with. Answered all my questions, kept me informed throughout the process, and made the closing so easy! I can't say enough about how good they are at this! Thank you all so much!

John T

Amazing experience!

Alexander C

I am so pleased with you, and you did everything you can to make sure i get a best loan , i really appreciate all the great work you’ve done for me and my family. We love the house , great location thank you so much, i will recommend you to anyone who wants to buy a home. god bless you and your teams for helping me .🙏👏🎊

Antoinette H

We appreciated the expediting of our loan quickly & on time. Also, Jim's knowledge of what was needed to move forward. Thanks again!

Barb D

Great team of experienced and helpful representatives. Keep up the great work! 

Elenoa Seine P

Very helpful and explained a lot for me and was super fast

Josie O

Jim & his team did an excellent job! Competitive rates & fees too.

Julie S

Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Refinance Loan
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
$0
Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

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Ready to take the
next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process