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
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Melissa helped explain how the market was impacting interest rates and find a monthly payment within our family's budget.
Reply from Melissa Simmonds
March 26th, 2026 05:18 PM
Thanks so much, Kit! It was my pleasure to help your family once again!!!!
Melissa was very speedy with responses and always ready to help with an issue that arised. the closer was very good with explanation of paperwork and also efficient with the process. best closing experience for sure .
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Reply from Melissa Simmonds
March 26th, 2026 05:18 PM
Thank you so much, David! It was an honor to help you with your home purchase :)
The process was very easy. When we thought our credit was too low, Melissa came in and gave us an option to work it out instead of saying no. This allowed us to get our beautiful home.
Reply from Melissa Simmonds
March 11th, 2026 09:24 PM
WOW, thank you for your kind review Jordan! It was my pleasure to be able to help you purchase your new, beautiful home!! Thanks for giving me a chance :)
Great communication, and very helpful! Thank you, Melissa!
Reply from Melissa Simmonds
March 4th, 2026 06:24 PM
Thank you for your kind words, Marissa! So happy to help you once again :)
she is excellent!!! Everyone should use her. She is always timely and quick to andwer questions. Highly highly recommend!! Also she deserves a pay raise because shes great.
Reply from Melissa Simmonds
March 2nd, 2026 10:01 PM
Thanks so much, James :) That means a lot to me, truly! Thanks for trusting me through and through!! I am glad to know you!
Melissa has been working with Patrick and I for a VERY long time! She has been with us every step! We appreciate her patience, knowledge, and committment to our journey of finding our new home. ❤️ She made our first home purchase a breeze....
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Reply from Melissa Simmonds
March 2nd, 2026 10:01 PM
Kamri, THANK YOU for your kind words. It's been an honor to help you and Patrick and I am so glad to have met you through your dad. Thanks for sticking with me this entire time, too. I am so happy you have purchased your first home and thank...
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Working with Melissa Simmonds at Flat Branch Home Loans was truly an outstanding experience. What made it great was her consistent communication, attention to detail, and the way she genuinely cared about making the process smooth and stress-free....
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Reply from Melissa Simmonds
March 2nd, 2026 09:59 PM
Thank you so much, Rebekah! I feel the exact same way about working with you and your team. It's always such a pleasure and I appreciate your thoroughness and willingness to help however each client needs. :)
We used Melissa for our last home loan, and used her again for this one because she made the experience so smooth and easy for us! Always quick to answer my questions and I appreciate all she did for us!
Reply from Melissa Simmonds
March 2nd, 2026 09:58 PM
Thank you so much Aaron!! I am so happy for you and Marissa and am glad you chose to work with me again. Thank you for your trust in me! :) All the best with the family
Wow, Melissa and the team made it so easy to get my complex loan done
Reply from Melissa Simmonds
March 2nd, 2026 09:57 PM
Thank you Jean, you're so kind. It was our pleasure and thank you again for your help. Couldn't have done it without you either!!
Second time working with Melissa. Never an issue and never a worry. Excellent approach and customer service.
Reply from Melissa Simmonds
March 2nd, 2026 09:57 PM
Awww thank you Zachary, that is so kind of you! Thanks for trusting me with your home loan yet again!
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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