Melissa Simmonds
Senior Mortgage Banker
Hello and welcome to my page! I have been in the mortgage world since 2017 and have helped over 900 families purchase homes or refinance. It's been an honor and blessing to be a lender and really calls to my strengths and passions -- helpin... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
So helpful for my buyer gave us an update and checked in very often !
Reply from Melissa Simmonds
December 10th, 2025 08:45 PM
Thanks so much Clorissa! Super happy to have worked with you to help Damaris :)
Melissa was amzing to work with. She was recommended to us by a family friend when we did our first purcahse and because of how amazing she was, I reached out to her again for a second purchase . Melissa is always super friendly and helpful...
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Reply from Melissa Simmonds
December 10th, 2025 08:45 PM
Damaris!!! You are so sweet. What an honor to help your family both times, thank you for trusting me. Excited to see all that is in your future too. :)
She kept us up to date.
Reply from Melissa Simmonds
December 1st, 2025 06:12 PM
Thank you so much for your kind review David! Thanks for allowing me to help with your refinance as well :)
Melissa is one of the most helpful people I have ever worked with! Any time I had questions about loan rates, buy downs, and payments, she was super quick to respond. I threw so many curveballs to her including forgetting to tell her we put...
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Reply from Melissa Simmonds
November 29th, 2025 05:12 PM
Awww!!! Thank you Keith :) It is truly my pleasure to help you and Maria purchase your new home. I am so happy for you both and your growing family. Thanks for being so gracious and supportive. Talk soon I am sure!
Melissa was really helpful getting us through this nightmare.
Reply from Melissa Simmonds
November 29th, 2025 05:11 PM
Hi Jed! Thank you for allowing me to help you with your mortgage once again. I am so happy it all worked out in the end and admire your patience and flexibility when there was a change out of your control. All the best in your new home :)
Great service. Very responsive. Helped as much as possible.
Reply from Melissa Simmonds
November 26th, 2025 07:07 PM
Thank you for your review, Kayla :) I am happy to have been able to help you and Jed again. Happy happy closing!!!
Very easy to work with. Very professional.
Reply from Melissa Simmonds
November 19th, 2025 09:28 PM
Thank you so much, Jacqueline! You made the process extremely smooth as well. Thanks for all your help along the way!
Smooth process
Reply from Melissa Simmonds
November 19th, 2025 09:28 PM
Thank you so much, Kent! It was great working with you and helping your family purchase your new home!
I will continue to recommend Melissa Simmonds with Flat Branch Home Loans to my clients. She is knowledgeable, easy to work with, explains the loan process and interest rates to my clients that makes it understandable for them to make an educated...
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Reply from Melissa Simmonds
November 18th, 2025 09:06 PM
Thank you so much Kathryn, I love working with you! I look forward to our continued partnership and have loved getting to know you as well. You have such a heart for helping people!
Everything was made perfectly clear on what was needed for me to obtain my mortgage
Reply from Melissa Simmonds
November 10th, 2025 06:27 PM
I am so happy for you Stephanie! Thanks for allowing me to be a part of your relocation :)
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About
Hello and welcome to my page! I have been in the mortgage world since 2017 and have helped over 900 families purchase homes or refinance. It's been an honor and blessing to be a lender and really calls to my strengths and passions -- helping people and making numbers make sense! I look forward to working with you and helping make your financial goals a success for years and generations to come! :)
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Specialities
Mortgage Lending
Refinancing
USDA
FHA
Conventional
VA
First time home buyer
Investor portfolio building
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Addresses and Serving Areas
Primary Serving Area
Year Started
2017
Time Zone
Central Standard Time (CST)
Licenses
- Missouri
- Arkansas
- Oklahoma
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Awards
Scotsman Guide Top...
Achievements
- Scotsman Guide 2022, 2023, 2024
- Presidents Club 2021, 2022, 2023, 2024
Hobbies
- Baking and being outdoors!
- Cooking
- Reading
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Disclaimer
NMLS# 224149