Your   homeownership journey starts here

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

Melissa Ferrario smiling outdoors, representing Preferred Rate financial services.
Professional woman Melissa Ferrario, associated with Preferred Rate, posing outdoors for a business profile.
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: #267324

Melissa Rose Ferrario

Sr. Mortgage Advisor

Awards

(2)

Presidents Club

Lombardo Homes of St. Louis Preferred Lender Since 2013

I am a licensed Mortgage Loan Officer with over 20 years of experience helping clients navigate the home financing process. Based in St. Charles, Missouri, I am committed to ensuring every client experiences a smooth and stress-free transaction from pre-approval through closing.

Because obtaining a mortgage can be complex, I take the time to listen carefully to each client’s needs and work closely with my loan team to identify the best financing options available. My goal is to provide clear guidance, consistent communication, and dependable support every step of the way. Clients can always count on me to be accessible, responsive, and ready to answer any questions throughout the process.

Licensed in:

MO

Melissa Rose Ferrario's
Awards and Recognition

Presidents Club

Lombardo Homes of St. Louis Preferred Lender Since 2013

Melissa Rose Ferrario's team

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

Logo of Preferred Rate, a financial service provider for mortgage and loan solutions.
Preferred Rate's logo representing trusted mortgage and loan services for homebuyers.
Diane Braun
Processor

1801 S. Meyers Rd., Suite 500
Oakbrook Terrace, IL 60181
Branch NMLS #1962205

Why work with me?

5.0/5 Rating

38 reviews

800+

Families helped

30 Days

Average close time

20 years

Of experience

Real clients. Real results.

The experience was great. Melissa Gibbons is the best. She was very professional and always available to answer questions.

Rhonda H

Melissa Gibbons is absolutely the best. She was so patient and professional. She always made herself available to answer questions via text, phone, and email. I would highly recommend her. She gets the job done with minimal stress. It was a pleasure working with her.

Rhonda H

Working with Melissa was a great experience from start to end. Very professional and knowledgable. As first time home buyers, we had lots of doubts and queries. She patiently walked us through the process making our home buying journey successful.

Thrilok L K

Melissa was fantastic! She was on top of everything start to finish with my new build and I couldn’t be happier! 

Chelsea P

Working with Melissa was awesome! She was able to get us closed in 30 days and was extremely helpful throughout the whole process! Would highly recommend!

Matthew D

Melissa was great to work with throughout the entire loan process.  She was extremely responsive and knowledgable.   

Bill C

Melissa was phenomenal!!! She was our on officer on our new home purchase and the loan officer for the home we were selling to our children. She was helpful every step of the way and went above and beyond to ensure closings occurred as planned. I would highly recommend Melissa and would only use her in the future!!

Stephanie B

Melissa was such a joy to work with, and was very clear in her instruction and guidance throughout the process. She made my family and I feel secure and supported and I can’t thank her enough. 

ッG R A Y

This was a very nervous experience for me. I have not purchased a house in over thirty years. Melissa made the new experience worth it. She was our hero! She kept us in the loop all of the way. There were some issues that arose, but she did not waver. She kept our confidence up and assured us that things will work out as she directed us to the things that had to be done. Thanks Melissa.

Ronald A

Melissa was wonderful to work with. She was always responsive, supportive, clear in her instruction, and just a joy to talk to. I really appreciate her guiding me and my family through the process. She’s amazing!

Ronny A

Melissa is awesome and always willing to do the best for her clients.

Chendhil K

Melissa is awesome

dheepa s

Melissa is easy to work with, she was able to make sure we understood what was happening through the process. We were able to get the right documents at the right time. Overall the process went smoothly and we appreciate working with Melissa who understands how to get things done.

Michael M

We recently completed the purchase of a new house and obtaining a loan through Preferred Rate. Melissa was easy to work with and answered all of our questions so there was little confusion. It was a smooth process from beginning to end and we are certain that this was due to the work that Melissa was doing.

Mike M

Melissa has been an amazing resource for me and my clients in securing loans for their dream homes. If you’re looking to purchase or build in the near future, I highly recommend calling her.

Sam T

Melissa did an amazing job of making sure that I understood each piece that went with buying a home; from the loan process, to getting home owners insurance and all of the little pieces that you don’t know as a first time home buyer.

Niki J

Working with Melissa was a fantastic experience as a first-time homebuyer. She was thorough, knowledgeable, and provided guidance every step of the way. I would highly recommend her to anyone looking for a seamless home-buying experience.

Nkik.

Melissa was awesome throughout the entire process! No matter what time it was always responded to our questions! She made this process smooth and easy! We appreciate her and all her hard work! We cannot thank her enough! :)

Charray B

Melissa was great throughout this process. She immediately updated me as my status changed to keep me informed.

De'Carlon S

Melissa was very responsive. She answered all of our questions and sent calendar holds to help us remember what was due and by when. I highly recommend!

Shannon N

Awesome lending officer to work with. Is extremely thorough and guided us through the process.

Hariharan S

Working with Melissa was a great experience from start to end. Very professional, approachable and knowledgable. As first time home buyers, we had lots of doubts and queries. She patiently walked us through the process making our home buying journey successful.

Lavanya H

Melissa was amazing to work with. She communicated with us every step of the way. We were impressed with her commitment to ensuring our deal was completed. Would highly recommend!

Rick & Spencer N

We can’t say enough great things about Melissa. She was always accessible, professional and diligent. She went above and beyond for our purchase. We always felt she had our best interests at heart and was always there for questions, explanations and reassurance. There isn’t a scale high enough for her. We will absolutely use her for future endeavors. We HIGHLY recommend Melissa. What an exceptional asset. We will be referring everyone to her!

Rick & Spencer N

I recently purchased a house, Melissa is my loan officer , She is expert and knowledgeable person, She helped hassle free transition. Highly recommended Melissa!

Pvk P

I just purchased a home. Melissa is my loan officer, Melissa was amazing to work with. Very communicative and knowledgeable. Would highly recommend Melissa!

Pvk P

An Exceptionally Knowledgeable and Trustworthy Loan Professional!We recently went through the process of a complex one-time close new construction loan that automatically converts to a permanent mortgage through Lombardo Homes, and working with Melissa Gibbons - was hands down the best decision we made.From day one, she stood out among the multiple lenders we spoke with. Her knowledge, professionalism, and patience were unmatched. She not only knew the ins and outs of this specialized loan type but took the time to educate us every step of the way, breaking down every detail in a way that made sense.Melissa truly went above and beyond — acting more like a financial advisor than just a loan officer. She even broke down costs between my boyfriend and me so we could plan fairly based on our individual financial situations and the sale of our current home. That kind of personalized care is rare!Throughout the entire process, she kept us informed, was always available to answer questions, and made sure there were no surprises along the way. She also found solutions and options that no other lender could offer. Because of Melissa's dedication and expertise, everything went smoothly, and we’re now in our brand new home.We have complete trust in her and will absolutely be returning to her for any future lending or refinancing needs. If you want someone who’s smart, kind, transparent, and will truly look out for your best interest —Melissa Gibbons is the one you want in your corner!

Ashley M

Melissa was amazing to work with! She was always available to answer any questions and she really broke everything down so we could understand it. I would recommend her and would use her again in the future!! 

Carly B

Melissa did a great job guiding us through our entire process. We had payroll changes, two homes under contract and then finally decided to stay in our current home and refinance to remodel. Never once did we feel like we were frustrating Melissa. Quite the opposite. She even rooted for us every direction we turned. I know she spent many many hours during our loan process and she nailed it in our books. We will definitely be recommending her to others as well as choose Melissa again in the future. Five stars hands down.

Laura R

Melissa was so great to work with. She made the mortgage financing process very simple and stress free. 10/10 would recommend for anyone looking to secure mortgage financing.

Megan H

Responsive from start to finish & very knowledgeable.

Robert S

She was great!

Marc M

Such a great experience working with Melissa on my new home loan! She made the process super easy for me and was always available to explain or provide more details. Highly recommend

Keenan B

Melissa is absolutely amazing! Took the time (hours sometimes) to make sure that all my questions were answered in a way that I understood. She went through all the options with my wife and I, explained the pros and cons of each so my wife and I were able to make the appropriate, informed decision. You are not just another customer to her. By time you close on your loan, you will have someone you would want to invite to your housewarming party! Thank you Melissa for everything!

Kevin H

Melissa has been excellent to work with, she is very knowledgeable and responsive. She has definitely made the loan process easier, thanks Melissa!

Rachel

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.
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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%)
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Principal & Interest Mortgge Loan
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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?

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Home Loan Guides
& Checklists

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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