Mike Gilb
Sr. Mortgage Advisor NMLS# 1558400 Licensed in MO, FL and VA
3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568
About Mike Gilb
Your mortgage is personal, and I understand that.
Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make - let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you! Your mortgage is personal, and I understand that. Whether you’re looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Rate, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, as a mortgage professional, I am dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financing a home is one of the most significant commitments you will ever make - let me guide you throughout the entire loan process from application to closing and beyond. I look forward to putting our mortgage service to work for you!
See my reviews
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 Mike's clients have to say
Madyson B
Mike made the home loan process so smooth and easy, walked us through each step, and was always available.
Jan 15, 2026
Kenneth J
Mike and Melody were great to work with. I felt they had our interests in mind as they went about finding us the best deal for our refinance.loan. They communicated well with us and got everything done in a timely manner. Many things that the customer would do in a situation they did for us. It was a great team. ... Read More
Nov 25, 2025
Jeffrey W
Mike was extremely helpful and always available when needed. Made the process quick, easy, and enjoyable.
Nov 21, 2025
Kenneth A
Mr. Gilb’s professionalism and efficiency were beyond impressive. I felt as though he truly looked out for my best interest in purchasing another home. He kept me well informed of the market and was able to get me the best rate that is available at this time. He took the time to to answer a myriad of questions with patience and expertise. I couldn’t have done it without him. I highly recommend him and the Firm for which he work for it is evident that they care and our resolved and giving you the best Customer Service possible. ... Read More
Oct 24, 2025
Marcia G
I have worked with Mike Gilb before on a house loan. I would not hesitate to use him again or recommend Mike! This time was relatively easy as Mike already had a lot of info he needed and that was helpful for us. I look forward to working with him again when the interest rates drop lower. ... Read More
Oct 11, 2025
Patrick G
Performed as we have come to expect.
Oct 11, 2025
Zachary P
There aren't enough words to explain how great Mike was during this process. I am active duty military and currently stationed across the world. Not only did he make the lending process the most seamless I have ever experienced in the 6 homes I have owned, he and his team went above and beyond to work on my schedule and make the entire experience fantastic. He is a 10/10 recommend, myself and the people I direct will only use Mike moving forward. Mike, thank you for all you did, and continue to do, was my absolutely pleasure to meet you. -ZP ... Read More
Sep 07, 2025
Toni D
Working with Mike was an absolute game-changer for us! From start to finish, he made what could have been a stressful financing process feel smooth, clear, and incredibly rewarding. Mike worked diligently to not only get us financed but to do so in a way that minimized our out-of-pocket costs — we were able to close for next to nothing! He explored every possible avenue to help us save money. Thanks to his expertise and dedication, we were able to take advantage of programs that significantly reduced our financial burden. He was responsive, patient, and always one step ahead — explaining each step, answering every question, and keeping us informed the entire way. His knowledge, honesty, and genuine desire to help his clients succeed truly set him apart in the lending world. If you're looking for a lender who will go above and beyond to get you the best possible outcome, Mike is the one to call. We’re so grateful for everything he did and will recommend him to anyone buying a home! ... Read More
Aug 06, 2025
Nicholas H
Michael was awesome to work with! He made the home buying process so much easier. He was thorough and informative with any and all my questions! I cannot thank him enough!
May 01, 2025
