Melissa Pearce
Mortgage Loan Originator
Experience
- Working in the financial services industry since 1988
- Currently focused on providing residential mortgages to all clients, ranging from first time homebuyers to those building or buying a luxury dream home. I am also knowledgeable in the areas of construction lending, conventional financing and jumbo/super jumbo credit needs.
Professional Affiliations/Licenses
- Nationwide Mortgage Licensing System & Registry (NMLS) # 97377
- Member, Catawba County Chamber of Commerce
What clients are saying
DDawn W. G.Lincolnton - NCPosted on 2026-03-17T16:36:38.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa is wonderful, readily available to answer questions or provide assistance.RRodney S. G.Lincolnton - NCPosted on 2026-03-17T16:28:05.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was awesome!! She made everything incredibly easy.DDickson B. H.Boone - NCPosted on 2026-03-16T13:38:39.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was a joy to work with and First Horizon Bank as a whole has been extremely helpful both to me personally and my business.JJohn M.Hickory - NCPosted on 2026-03-09T13:02:16.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceThe personal attention to our needs and questions throughout the process from all three First Horizon associates we worked with was exceptional.PPeter V.Mills River - NCPosted on 2026-03-06T13:32:45.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was fantastic to work with. She either had all the answers or quickly found out. Terrific availability as well. Thank you.HHannah M.Yadkinville - NCPosted on 2026-03-05T16:16:43.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa is amazing at what she does! She is very knowledgable and so kind. I truely believe she is looking out for the best interest of every client. She was so attentive to every need and question we had. She is 100% the reason we chose to go with First Horizon to purchase our first home. If we ever need another mortgage in the future I will be a return customer . Thank you so much Melissa!BBarbara M.Hickory - NCPosted on 2026-03-03T17:37:55.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceWillingness to explain things.JJames E. K.Leicester - NCPosted on 2026-02-25T13:55:45.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceGreat customer service! People who go above and beyond. Thank you!ZZachary J. L.Taylorsville - NCPosted on 2026-02-20T14:20:24.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa is great. Always was very helpful and always answered or returned calls fast.SSarah A. S. S.Blowing Rock - NCPosted on 2026-02-13T03:12:27.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceWorking with Melissa was undoubtedly the smoothest part of our home-buying journey. She was incredibly approachable, taking the time to explain every loan option in detail and ensuring we felt confident in our decisions. We always felt like a priority, never a bother, and it was clear she had our best interests at heart. For a lender who combines transparency with true professionalism, Melissa is the clear choice!BBrian A. S.Blowing Rock - NCPosted on 2026-02-11T15:37:04.000Z5.0 ★ ★ ★ ★ ★forMelissa PearcePersonal touch and willingness to walk us through each step of the process with genuine care.DDeborah C.Germanton - NCPosted on 2026-02-06T00:03:11.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceIt was a great experience! I truly felt like family and was treated that way throughout the entire process. I will definitely recommend them to anyone looking for a mortgage.WWilliam B. M.Wilmington - NCPosted on 2026-01-27T13:13:31.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceFrom the start Melissa was there for us, answering our questions and helping guide us through the process. On a number of occasions she went way beyond the call of duty to make things happen. No detail, no matter how small escaped her watchful eye. We simply could not have done it without her. She was available to us whenever we had a question or needed help. We have told everyone who knows us and knows about our dream to move to the North Carolina coast that it would not have happened without Melissa and First Horizon. We have been with First Horizon for years because it truly feels like a neighborhood Bank. And even though First Horizon does not have a branch in Wilmington, NC, we plan to continue banking with First Horizon. You folks could teach a Mastee Class on great customer service. We will always remember Melissa and your team for making our dream comeJJacob A. F.Stuart - VAPosted on 2026-01-26T18:23:36.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was great. She was very informative and patient as this was our first home purchase so she took the time to explain a lot and answer any and all questions. Melissa also kept us up to speed and informed every step of the way.NNora B.Horse Shoe - NCPosted on 2026-01-26T17:36:21.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was extremely helpful, friendly, supportive, and always responded quickly with answers and advice. I was very impressed with her explanations of the mortgage loan process. I would highly recommend her! ðŸ˜ÅHHeidi E. F.Wilmington - NCPosted on 2026-01-26T13:51:02.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was prompt in communications and ready to explain any part of the process. She even fixed problems caused by the other parties in this transaction.KKellie C. F.Stuart - VAPosted on 2026-01-14T13:40:49.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa Pearce was wonderful! She made our first home purchase so easy for us . Melissa was patient, professional, kind, and thoughtful . I am so thankful we had the opportunity to work with her and we would absolutely love to work with her again in the future if we buy another home. Melissa Pearce is truly an asset to First Horizon. Thank you so much!MMarshall L. L.Conover - NCPosted on 2026-01-09T15:54:10.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceThe interest that Melissa has in making everything right and watches out for the customer. I have worked with her in the past and it has always been the sameJJohn I. S.Vale - NCPosted on 2025-12-22T17:57:47.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa made the whole journey (which i was thinking was going to be stressful to navigate) a stressful free journey. Explained the process clearly giving us confidence throughout. Exemplary.DDonna B.Stuart - VAPosted on 2025-12-17T14:08:41.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa Pearce.DDaniel P.Candor - NCPosted on 2025-11-24T16:21:41.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceSimple and everything being onlineDDavid C. T.West Jefferson - NCPosted on 2025-11-24T15:14:21.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceI have bought and sold over 30 homes over the years and this loan experience with Melissa was by far the easiest and most professional I have EVER experienced. Melissa kept well informed throughout the entire process and I never had any concerns about what was occuring and what I needed to complete. Melissa takes great pride in her work and First Horizons is truly blessed to have her on their team!!CCorbin D. H.Hickory - NCPosted on 2025-11-21T23:46:37.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceThere were some bumps in the road, but I can't imagine trying to overcome them without Melissa. She is the reason I continue banking and going to FH as my go to for loans and financial needs.DDennis A. S.Newland - NCPosted on 2025-11-20T17:04:41.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceConstance updates on loan status and Melissa helped us every step of the way!DDeborah W. B.North Chesterfield - VAPosted on 2025-11-06T04:46:37.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa Pearce is FANTASTIC!DDavid L. A.Hickory - NCPosted on 2025-11-04T19:18:02.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was very knowledgeable and helpfulRRoger C. H.Morganton - NCPosted on 2025-11-03T20:33:20.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceWonderful loan officer. Always responded with answers to any questions. Lined up appointments timely fashion. All around wonderful experience. Thank you so much Melissa!AAmber L. T.Charlotte - NCPosted on 2025-10-22T13:46:32.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa is fantastic. She kept in constant communication, answered all my questions promptly, and just generally reassured my anxieties throughout the process.JJason C. F.Candler - NCPosted on 2025-10-06T13:40:58.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was so thoughtful and pleasant throughout this entire processKKelly R. M.Hickory - NCPosted on 2025-09-26T13:06:46.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceWorking with Melissa and Phillip were awesome!DDonald J. H. I.Germanton - NCPosted on 2025-09-03T15:12:37.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was outstanding throughout the entire process. She was professional, patient, and always quick to respond. I truly appreciated her dedication, knowledge, and the way she guided me every step of the way. It made all the difference. Thank you!SShellee K. W.Banner Elk - NCPosted on 2025-08-26T18:33:46.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceSo on top of everything, so eager to take care of us, you guys are so amazing have never had better banking, we are so appreciative for all you guys have done. Customer service is hard to come by these days, but not for you guys. Thanks again for your wonderful job you guys did.WWilliam M. S.North Wilkesboro - NCPosted on 2025-08-12T10:02:15.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceVery responsiv, always kept me updated during the process .NNathaniel A. J.West Jefferson - NCPosted on 2025-08-07T12:59:41.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa is amazing!EEric A.Mooresville - NCPosted on 2025-08-06T23:29:20.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelIssa! She was always so helpful, friendly, understanding and went above and beyond to make the process as easy and smooth as possible for us. She was also very informative and I could not speak more highly of her!SStephanie A. C.Asheville - NCPosted on 2025-08-05T14:00:51.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMy situation was very complicated and she worked with me through the entire process for months to get it all figured out. She is always on top of everything and has your best interest at heart. Truly an advocate for you. I feel like I will know her for a long time and will definitely be using her for future needs.CChristine E. E.Mooresville - NCPosted on 2025-08-01T18:03:44.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was so helpful for us as first time homebuyers! She made the process easy, answered all questions and was always available when we needed! We would use her again and recommend her to anyone!WWendy H.North Wilkesboro - NCPosted on 2025-07-02T12:27:12.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa was absolutely awesome during this process She was very responsive and professional I would recommend her to anyoneMMadison J. R.Lenoir - NCPosted on 2025-06-27T13:30:00.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceMelissa, was super informative, patient, and thorough thru out the process. She was willing to take her time and educate me to all of the options to give me the best deal possible. I was super impressed with her professionalism and follow up! I've been a customer since the Bank of Granite days and Melissa confirmed to me the reason I have stayed with the bank all these years. You can't beat great relationships and Melissa is a huge asset for your bank.KKimberly D. H.Piney Flats - TNPosted on 2025-06-26T12:22:29.000Z5.0 ★ ★ ★ ★ ★forMelissa PearceIt would be helpful to have the set cash to close a week out--it was very different than we were expecting and even changed on closing day. This is the second time we have closed a loan with First Horizon, and both times had a bumpy 24 hours to close.
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- DDawn W. G.Lincolnton - NCPosted on 2026-03-17T16:36:38.000Z5.0forMelissa PearceMelissa is wonderful, readily available to answer questions or provide assistance.
- RRodney S. G.Lincolnton - NCPosted on 2026-03-17T16:28:05.000Z5.0forMelissa PearceMelissa was awesome!! She made everything incredibly easy.
- DDickson B. H.Boone - NCPosted on 2026-03-16T13:38:39.000Z5.0forMelissa PearceMelissa was a joy to work with and First Horizon Bank as a whole has been extremely helpful both to me personally and my business.
- JJohn M.Hickory - NCPosted on 2026-03-09T13:02:16.000Z5.0forMelissa PearceThe personal attention to our needs and questions throughout the process from all three First Horizon associates we worked with was exceptional.
- PPeter V.Mills River - NCPosted on 2026-03-06T13:32:45.000Z5.0forMelissa PearceMelissa was fantastic to work with. She either had all the answers or quickly found out. Terrific availability as well. Thank you.
- HHannah M.Yadkinville - NCPosted on 2026-03-05T16:16:43.000Z5.0forMelissa PearceMelissa is amazing at what she does! She is very knowledgable and so kind. I truely believe she is looking out for the best interest of every client. She was so attentive to every need and question we had. She is 100% the reason we chose to go with First Horizon to purchase our first home. If we ever need another mortgage in the future I will be a return customer . Thank you so much Melissa!
- BBarbara M.Hickory - NCPosted on 2026-03-03T17:37:55.000Z5.0forMelissa PearceWillingness to explain things.
- JJames E. K.Leicester - NCPosted on 2026-02-25T13:55:45.000Z5.0forMelissa PearceGreat customer service! People who go above and beyond. Thank you!
- ZZachary J. L.Taylorsville - NCPosted on 2026-02-20T14:20:24.000Z5.0forMelissa PearceMelissa is great. Always was very helpful and always answered or returned calls fast.
- SSarah A. S. S.Blowing Rock - NCPosted on 2026-02-13T03:12:27.000Z5.0forMelissa PearceWorking with Melissa was undoubtedly the smoothest part of our home-buying journey. She was incredibly approachable, taking the time to explain every loan option in detail and ensuring we felt confident in our decisions. We always felt like a priority, never a bother, and it was clear she had our best interests at heart. For a lender who combines transparency with true professionalism, Melissa is the clear choice!
- BBrian A. S.Blowing Rock - NCPosted on 2026-02-11T15:37:04.000Z5.0forMelissa PearcePersonal touch and willingness to walk us through each step of the process with genuine care.
- DDeborah C.Germanton - NCPosted on 2026-02-06T00:03:11.000Z5.0forMelissa PearceIt was a great experience! I truly felt like family and was treated that way throughout the entire process. I will definitely recommend them to anyone looking for a mortgage.
- WWilliam B. M.Wilmington - NCPosted on 2026-01-27T13:13:31.000Z5.0forMelissa PearceFrom the start Melissa was there for us, answering our questions and helping guide us through the process. On a number of occasions she went way beyond the call of duty to make things happen. No detail, no matter how small escaped her watchful eye. We simply could not have done it without her. She was available to us whenever we had a question or needed help. We have told everyone who knows us and knows about our dream to move to the North Carolina coast that it would not have happened without Melissa and First Horizon. We have been with First Horizon for years because it truly feels like a neighborhood Bank. And even though First Horizon does not have a branch in Wilmington, NC, we plan to continue banking with First Horizon. You folks could teach a Mastee Class on great customer service. We will always remember Melissa and your team for making our dream come
- JJacob A. F.Stuart - VAPosted on 2026-01-26T18:23:36.000Z5.0forMelissa PearceMelissa was great. She was very informative and patient as this was our first home purchase so she took the time to explain a lot and answer any and all questions. Melissa also kept us up to speed and informed every step of the way.
- NNora B.Horse Shoe - NCPosted on 2026-01-26T17:36:21.000Z5.0forMelissa PearceMelissa was extremely helpful, friendly, supportive, and always responded quickly with answers and advice. I was very impressed with her explanations of the mortgage loan process. I would highly recommend her! ðŸ˜Å
- HHeidi E. F.Wilmington - NCPosted on 2026-01-26T13:51:02.000Z5.0forMelissa PearceMelissa was prompt in communications and ready to explain any part of the process. She even fixed problems caused by the other parties in this transaction.
- KKellie C. F.Stuart - VAPosted on 2026-01-14T13:40:49.000Z5.0forMelissa PearceMelissa Pearce was wonderful! She made our first home purchase so easy for us . Melissa was patient, professional, kind, and thoughtful . I am so thankful we had the opportunity to work with her and we would absolutely love to work with her again in the future if we buy another home. Melissa Pearce is truly an asset to First Horizon. Thank you so much!
- MMarshall L. L.Conover - NCPosted on 2026-01-09T15:54:10.000Z5.0forMelissa PearceThe interest that Melissa has in making everything right and watches out for the customer. I have worked with her in the past and it has always been the same
- JJohn I. S.Vale - NCPosted on 2025-12-22T17:57:47.000Z5.0forMelissa PearceMelissa made the whole journey (which i was thinking was going to be stressful to navigate) a stressful free journey. Explained the process clearly giving us confidence throughout. Exemplary.
- DDonna B.Stuart - VAPosted on 2025-12-17T14:08:41.000Z5.0forMelissa PearceMelissa Pearce.
- DDaniel P.Candor - NCPosted on 2025-11-24T16:21:41.000Z5.0forMelissa PearceSimple and everything being online
- DDavid C. T.West Jefferson - NCPosted on 2025-11-24T15:14:21.000Z5.0forMelissa PearceI have bought and sold over 30 homes over the years and this loan experience with Melissa was by far the easiest and most professional I have EVER experienced. Melissa kept well informed throughout the entire process and I never had any concerns about what was occuring and what I needed to complete. Melissa takes great pride in her work and First Horizons is truly blessed to have her on their team!!
- CCorbin D. H.Hickory - NCPosted on 2025-11-21T23:46:37.000Z5.0forMelissa PearceThere were some bumps in the road, but I can't imagine trying to overcome them without Melissa. She is the reason I continue banking and going to FH as my go to for loans and financial needs.
- DDennis A. S.Newland - NCPosted on 2025-11-20T17:04:41.000Z5.0forMelissa PearceConstance updates on loan status and Melissa helped us every step of the way!
- DDeborah W. B.North Chesterfield - VAPosted on 2025-11-06T04:46:37.000Z5.0forMelissa PearceMelissa Pearce is FANTASTIC!
- DDavid L. A.Hickory - NCPosted on 2025-11-04T19:18:02.000Z5.0forMelissa PearceMelissa was very knowledgeable and helpful
- RRoger C. H.Morganton - NCPosted on 2025-11-03T20:33:20.000Z5.0forMelissa PearceWonderful loan officer. Always responded with answers to any questions. Lined up appointments timely fashion. All around wonderful experience. Thank you so much Melissa!
- AAmber L. T.Charlotte - NCPosted on 2025-10-22T13:46:32.000Z5.0forMelissa PearceMelissa is fantastic. She kept in constant communication, answered all my questions promptly, and just generally reassured my anxieties throughout the process.
- JJason C. F.Candler - NCPosted on 2025-10-06T13:40:58.000Z5.0forMelissa PearceMelissa was so thoughtful and pleasant throughout this entire process
- KKelly R. M.Hickory - NCPosted on 2025-09-26T13:06:46.000Z5.0forMelissa PearceWorking with Melissa and Phillip were awesome!
- DDonald J. H. I.Germanton - NCPosted on 2025-09-03T15:12:37.000Z5.0forMelissa PearceMelissa was outstanding throughout the entire process. She was professional, patient, and always quick to respond. I truly appreciated her dedication, knowledge, and the way she guided me every step of the way. It made all the difference. Thank you!
- SShellee K. W.Banner Elk - NCPosted on 2025-08-26T18:33:46.000Z5.0forMelissa PearceSo on top of everything, so eager to take care of us, you guys are so amazing have never had better banking, we are so appreciative for all you guys have done. Customer service is hard to come by these days, but not for you guys. Thanks again for your wonderful job you guys did.
- WWilliam M. S.North Wilkesboro - NCPosted on 2025-08-12T10:02:15.000Z5.0forMelissa PearceVery responsiv, always kept me updated during the process .
- NNathaniel A. J.West Jefferson - NCPosted on 2025-08-07T12:59:41.000Z5.0forMelissa PearceMelissa is amazing!
- EEric A.Mooresville - NCPosted on 2025-08-06T23:29:20.000Z5.0forMelissa PearceMelIssa! She was always so helpful, friendly, understanding and went above and beyond to make the process as easy and smooth as possible for us. She was also very informative and I could not speak more highly of her!
- SStephanie A. C.Asheville - NCPosted on 2025-08-05T14:00:51.000Z5.0forMelissa PearceMy situation was very complicated and she worked with me through the entire process for months to get it all figured out. She is always on top of everything and has your best interest at heart. Truly an advocate for you. I feel like I will know her for a long time and will definitely be using her for future needs.
- CChristine E. E.Mooresville - NCPosted on 2025-08-01T18:03:44.000Z5.0forMelissa PearceMelissa was so helpful for us as first time homebuyers! She made the process easy, answered all questions and was always available when we needed! We would use her again and recommend her to anyone!
- WWendy H.North Wilkesboro - NCPosted on 2025-07-02T12:27:12.000Z5.0forMelissa PearceMelissa was absolutely awesome during this process She was very responsive and professional I would recommend her to anyone
- MMadison J. R.Lenoir - NCPosted on 2025-06-27T13:30:00.000Z5.0forMelissa PearceMelissa, was super informative, patient, and thorough thru out the process. She was willing to take her time and educate me to all of the options to give me the best deal possible. I was super impressed with her professionalism and follow up! I've been a customer since the Bank of Granite days and Melissa confirmed to me the reason I have stayed with the bank all these years. You can't beat great relationships and Melissa is a huge asset for your bank.
- KKimberly D. H.Piney Flats - TNPosted on 2025-06-26T12:22:29.000Z5.0forMelissa PearceIt would be helpful to have the set cash to close a week out--it was very different than we were expecting and even changed on closing day. This is the second time we have closed a loan with First Horizon, and both times had a bumpy 24 hours to close.