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Melody Cox

Blue Ribbon Mortgage

2025 Jackson Blvd Rapid City, SD 57702

Sr. Loan Officer NMLS #1115664 Apply Now

Purchase Quote

Get a free quote to purchase a home in as little as 10 minutes

Start Your Journey

Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

Start Your Journey

Free Consultation

Get a free consultation and speak to one of our loan officers today

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About Me

I was the wife of an active duty Airman for nearly 21 years.  My husband retired out of Ellsworth AFB after serving 23 years active duty.  We have 4 beautiful children and, as a family, have been to 5 different bases in 2 countries and 4 states.  We permanently settled back in the beautiful Black Hills--where I grew up!

I got into the mortgage lending industry while my family was stationed in New Jersey, where I worked for large mortgage corporation as a loan officer.  My specialty was VA Mortgage Lending.  I wanted to give back to Veterans and their families and perfecting their lending allowed me to do just that!

I love helping ALL local families--whether their family has been in the Black Hills for generations or is only serving a stint with the military--realize their dream of having a home of their very own.  I would love to help you realize that home ownership is possible for you!

Call me today for your fast free pre-approval!

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

Free Loan Evaluation

Obtain a Guaranteed Approval

Get Purchase Quote

Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

Calculate Your Savings

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Get Pre-Qualified Home Refinance

Get Refinance Quote

Improve Your Financial Position


Home Loan Programs

(Conventional, FHA, VA, USDA, Reverse, Jumbo)

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Find Out What You Qualify For







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


Extremely knowledgeable, helpful, and friendly. Melody went above and beyond to help me buy my home. She made it a great experience. I truly feel she helped me find the best loan possible suited to specific needs. I never felt like I was just a number. I highly recommend.

Jason K

Melody and her team were super friendly and very easy to work with. This time around was so much easier and smoother and we had to sell a house this time instead of being a first time homebuyer. Highly recommend. They go over everything and make sure you understand all the details.

Jessica W

Melody and the entire team I worked with throughout my home purchase were phenomenal. They were responsive, supportive and worked hard to make sure communications were clear and that everything was completed accurately and on time. As a Professional Services leader, I can appreciate the kind of service I received and would recommend Blue Ribbon Mortgage & Investments to anybody who starting their home ownership or investment process. Top notch team and I will not hesitate to use them for any future investment or mortgage needs.

Casey C

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