About Stacey
With over 20 years of mortgage experience, Stacey has definitely dialed in the meaning of exceptional customer service. She takes the time to consult with every client to determine both short and long term real estate goals. Her knowledge and education of the lending process ensures that clients are not only well informed of their options but that they truly understand them and can make the best decision based upon their lending needs. Born and raised in central Illinois, core values such as integrity, honesty, and compassion are what keeps her clients coming back to her for many years over. When not talking lending, Stacey spends time on a beach getaway or with her pups.
Client Reviews
Reviews (29)
Heidi Atkinson
January 22, 2025
As a newer real estate agent, having the right support system is crucial, and I am incredibly grateful for Stacey Melton. Not only has she provided outstanding service to my clients, but she has also taken the time to guide and educate me along the way. Her patience, expertise, and willingness to teach have been invaluable in helping me grow in the industry. She is always available to answer questions, explain complex loan options, and ensure my clients feel confident and informed throughout the process. Her dedication, professionalism, and problem-solving skills make every transaction smooth and stress-free. If you’re looking for a loan officer who truly cares, goes above and beyond, and is an incredible resource for both agents and clients, I highly recommend Stacey Melton.
Starr Smith
January 14, 2025
I cannot speak highly enough of Stacey! She is an absolute gem in the world of lending. I’ve had the privilege of working with her personally for my own loan, and she has also assisted my parents and several of my clients. Stacey’s professionalism, expertise, and dedication are unmatched. Stacey is incredibly knowledgeable and takes the time to ensure every client fully understands the loan process. Her communication is top-notch—she keeps everyone informed every step of the way and is always available to answer questions or address concerns. What truly sets her apart is her unwavering determination. Whether it’s a first home, a step-up home, or a dream home, she fights to make it happen, all while making sure her clients feel comfortable, confident, and educated to make wise financial decisions. One of the things I admire most about Stacey is her honesty and resourcefulness. If she doesn’t have an answer, she will go above and beyond to find it. That level of commitment and care is rare and so appreciated. If you’re looking for a loan officer who will treat your clients with the same care, attention, and respect as you would, Stacey is the one. She’s truly amazing, and I’m so grateful for everything she has done for me, my family, and my clients!
Becky Dossey
January 14, 2025
If you’re searching for a loan officer who not only understands the ins and outs of the lending process but thrives on finding creative solutions, Stacey is your go-to professional! Her extensive knowledge of loan programs is unparalleled, but what truly sets her apart is her ability to think outside the box and her relentless drive to get the job done. Stacey approaches every situation with a “can-do” attitude, ensuring no stone is left unturned in finding the best financing solutions for her clients. Whether you’re navigating a straightforward process or dealing with a complex scenario, her expertise and resourcefulness are second to none. Working with Stacey means having an advocate in your corner who genuinely cares about your success. Her proactive communication, attention to detail, and innovative strategies make what could be a stressful experience feel seamless and even enjoyable! I can’t recommend Stacey enough—she’s not just a loan officer; she’s a game-changer. If you want someone who delivers results and exceeds expectations, Stacey is the one to call.
Martin Grodzki
January 13, 2025
When it comes to working with a great mortgage professional there are many factors that matter and Stacey excels in all of them. She is quick, responsive, up front, creative when running into initial road blocks that would stump other lenders, and most importantly she GETS THE JOB DONE!!! Literally never once let us down with any of our mortgage needs and my go to lender for any lending needs. Could not recommend enough!
Linda Ewing
January 13, 2025
Stacey has been diligent helping our shared client be in the best possible position for a successful home purchase! She has spent a lot of time and energy making sure our client understands the process for her unique situation. Stacey has even gone to the client's home to help with some of the paperwork and has arranged for all of us to help the client with her packing! This above and beyond effort is the type of service we like to see from our partners. As a real estate professional who will do whatever it takes to help our clients get what they want and need, Stacey's extra efforts are perfectly aligned with what we feel real estate consumers DESERVE! Thank you Stacey for everything!
Mortgage Calculators
Monthly Payment
Apart from the purchase price of a home, there are other costs that must be factored into your monthly mortgage payment, including loan term, interest rate, homeowners insurance and property taxes.
This monthly payment calculator can help you figure out monthly loan payment options and is a tool you can use to assist with budgeting, whether you're buying a home or considering a refinance. When you're ready to purchase a home, connect with an independent mortgage broker to help you get started with your first time home loan.
Estimated Payment Amount
Per Month
$0.00
* If your down payment is less than 20% of the purchase price of the home on a conventional loan, you may be required to pay mortgage insurance.
Buy vs Rent
Should you buy or rent a home?
Are you currently renting and thinking about buying a home? There are a lot of factors that go into this decision, starting with affordability. Our calculator helps you compare the cost between renting and buying, making it easier to see which option may be best for you.
Buy vs Rent
What is right for you?
With a steady income, good credit score, manageable debt, some savings, and you want to put down some roots, you may be ready to buy a house.
Use our buy vs rent calculator to find out what's right for you.
Refinance
Have you ever considered refinancing your home loan?
Too many homeowners who close on their mortgage simply "get it and forget it," which could be a big mistake. Refinancing your current home loan may save you a significant amount of money depending on your interest rate, how many months remain on your loan term and how long you plan on staying in your home.
It's all in the numbers. So, let's do a little digging. Use our calculator below and then connect with an independent mortgage broker to start your home refinance
Why Refinance?
Lower Interest Rate
If rates dropped since you took out your mortgage, you may be able to refinance to a lower rate and monthly payment.
Adjustable to Fixed Rate
If you have an adjustable rate mortgage (ARM) and plan to stay in your home for a while, you may want to refinance to a fixed rate mortgage.
Convert Equity to Cash
If your home value increased or you paid off a significant amount of your mortgage, you can get cash out of your home with a cash-out refinance to pay off credit card or other debt, make home improvements and more.
How Much Home
Before you fall in love with a home, be sure to fall in love with the numbers. If it’s your first time getting a home loan, it’s important to connect with an independent mortgage broker to walk through your financing options.
There’s much more that goes into the cost of homeownership than the purchase price. Other factors include: property taxes, homeowners insurance and the interest rate on the home loan. Preparing a thorough and comprehensive budget is a good first step to understanding how much home you can afford. Our home affordability calculator makes this easy.
You May Be Able To Afford A House Up To:
$0.00
With a monthly estimated payment of $0.00.
Based on your income, a home at this price could fit within your budget.
Specializations
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Loan Products