Preferred Rate - O'Fallon Branch NMLS #2534568

Preferred Rate - O'Fallon Branch NMLS #2534568 🏠 Your Mortgage. Your Future. Your Preferred Rate. 🏠

We make home financing simple with expert guidance, great rates, and a stress-free process.

Whether you're buying, refinancing, or investing we’re here for you! 📞 Contact us today! A division of American Pacific Mortgage NMLS #1850
Equal Housing Opportunity

Licensed in MO, IL, FL, AR, CA, GA, IN, KS, MI, OH, TN, TX, & VA
Jim Decker NMLS #928446
Jim Weston NMLS #353630
Wyatt Ragar NMLS #559049
Ryan Sanford NMLS #119511
Lynne Schlereth NMLS #237688
Mike Gilb NMLS #1558400
Mitch Richards N

MLS #1810499
Mark Mayfield NMLS #292254
LeaAnn Bryant NMLS #546297
Jay Law NMLS #1634608


For licensing information go to: https://www.nmlsconsumeraccess.org

Licensed by the Department of Financial Protection and Innovation under the CRMLA

One of the most rewarding parts of being a loan officer is helping individuals and families take meaningful steps toward...
08/27/2026

One of the most rewarding parts of being a loan officer is helping individuals and families take meaningful steps toward homeownership and their future.

No two journeys are exactly alike, and that’s why working with a company that has over 30 years of impact and experience helping people navigate life’s biggest financial decisions is important.

Homeownership is about more than buying a house. It’s about putting down roots, stability for your family, having a place where memories are made and shared, and creating an opportunity for long-term financial wealth.

I’m grateful to be a part of these moments with my clients and our local community.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

Old thinking says home financing has one set of rules. New reality? There's more flexibility than most people realize, w...
08/25/2026

Old thinking says home financing has one set of rules. New reality? There's more flexibility than most people realize, whether that's down payment, income documentation, or the type of program that fits your situation. The best way to know what applies to you is a conversation, not a guess. Let's talk through your options.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiv...
08/20/2026

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiving.

Windows down. Feet up. No agenda but the road ahead.

What's a memory you made in flip-flops this summer?
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can...
08/18/2026

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can open up ways to grow your portfolio without the usual paperwork limits. Worth a conversation if you've been holding back.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify wit...
08/13/2026

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify with credit that isn't flawless. You might be a lot closer to owning a home than you think. Let's look at where you actually stand.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

08/11/2026

The rules of mortgage lending have changed.

We believe home financing should fit your life, not the other way around.

If you’ve been told your credit score isn’t good enough to buy a home, it may be time for a second look. With a broad range of mortgage solutions, including programs designed for first-time homebuyers, borrowers with new or rebuilding credit, and those with unique financial situations, we’ve helped more people find a path to homeownership.
Don’t assume you don’t qualify. Let's Talk.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

08/04/2026

Not every homebuyer is a W-2 employee. And that’s okay.

Today's workforce looks very different than it did 20 years ago. Entrepreneurs, freelancers, real estate investors, retirees, commission-based professionals, and business owners often have income that doesn’t fit traditional lending guidelines.
That’s why we offer a variety of mortgage solutions designed for today’s borrowers.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

07/28/2026

Need more space before the school year starts? Summer is one of the most popular times for families to make a move, and for good reason. It gives you time to get settled, establish routines, and even make a move into a new school district before classes begin.
But many homeowners are still sitting on the sidelines waiting for interest rates to fall.
The reality? Waiting isn’t always the most affordable strategy.
Today’s homebuyers have more options than many people realize, including:
✔️ Temporary and permanent rate buydown options
✔️ Programs that help you buy before you sell
✔️ Solutions to help make your current home more marketable to potential buyers
✔️ Strategies for leveraging the equity you’ve already built
If your family has outgrown your current home, it may be worth exploring what’s possible today rather than waiting for the “perfect” market.
The right home for your next chapter could be closer than you think.
https://myoc.io/OFallonPreferredRateBranch



Branch NMLS 2534568

Address

3018 Winghaven Boulevard
O'Fallon, MO
63368

Telephone

+16365432448

Website

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