Melissa Gibbons
Mortgage Advisor NMLS# 267324 Licensed in MO
3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568
About Melissa Gibbons
Your mortgage is personal, and I understand that.
I'm a licensed mortgage mortgage advisor with over 19 years experience in the industry. I am based in St. Charles, MO, and I take pride in making sure my clients experience a smooth transaction from preapproval to closing. Getting a loan can be complicated. That’s why I listen carefully to my clients and collaborate with my loan team to deliver the best loan options for you. You can always count on me to be available for you and properly answer all of your questions!
I'm a licensed mortgage mortgage advisor with over 19 years experience in the industry. I am based in St. Charles, MO, and I take pride in making sure my clients experience a smooth transaction from preapproval to closing. Getting a loan can be complicated. That’s why I listen carefully to my clients and collaborate with my loan team to deliver the best loan options for you. You can always count on me to be available for you and properly answer all of your questions!
We keep the mortgage process easy
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.
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Step 1 Connect with a Loan Expert
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Step 2 Get Pre-Approved
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Step 3 Make Offers
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Step 4 Lock in your Preferred Rate
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Step 5 Move in to your new home
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Step 1 Connect with a Loan Expert
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Step 2 Lock in your Preferred Rate
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Step 3 Get your new loan approved!
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Home Loans
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Fixed-rate Mortgages
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Adjustable-rate Mortgages
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Interest-only Loans
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Jumbo Loans
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FHA
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VA Loans
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USDA Loans
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Reverse Mortgages
Speciality Products
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Keys On Time Program
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Secure Lock Program
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Jumbo Investor Loan Programs
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Peak Loan Program
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High Balance Solutions
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Jumbo Solutions
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Home Ready
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Home Possible Advantage
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STaR Program for First-Responders
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Doctor Program for Medical Professionals
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Manufactured Housing Loans
See what Melissa's clients have to say
Laura R
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. ... Read More
Jan 14, 2026
Megan H
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.
Nov 17, 2025
Ashley M
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! ... Read More
Oct 08, 2025
Rhonda H
The experience was great. Melissa Gibbons is the best. She was very professional and always available to answer questions.
Aug 13, 2025
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. ... Read More
Aug 09, 2025
Thrilok L K
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. ... Read More
Aug 09, 2025
Chelsea P
Melissa was fantastic! She was on top of everything start to finish with my new build and I couldn’t be happier!
Aug 03, 2025
Matthew D
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!
Jul 15, 2025
Bill C
Melissa was great to work with throughout the entire loan process. She was extremely responsive and knowledgable.
Jul 01, 2025
