Thank you for visiting my website.  I am excited to help you with your mortgage loan needs, whether it be a home purchase, refinance or cash out loan.  I have been in the mortgage industry for over seven years and have extensive experience with all types of loans.  I am thrilled to put my knowledge and experience to work for you!

"Melanie was unbelievable! Her expertise and quick follow through allowed us to close the loan in less than 30 days. Thank you Melanie!!!!!!!!!" - Past Client

WANT TO GET PRE-APPROVED?

The first step in the loan approval process is to complete the preliminary loan application.  Once you have completed the application, it will be automatically   e-mailed to me so that I can review your information and begin working on loan options for you.  I will have to collect all sorts of items from you to complete your loan approval.  The Loan Application Checklist (see link above) is a basic guide as to what I will need to get from you.

"I absolutely had to have a closing before Christmas [2009] and Melanie made it happen. GREAT SERVICE!" - David Money

WHAT'S UP WITH THIS CRAZY MORTGAGE BIZ???

I know there is a lot of information floating around right now about lending that has confused many people.  The truth is that there have definitely been huge changes to our industry but many of those changes were aimed at reforming bad lending practices (i.e. putting buyers into loans they could not really afford), eliminating high-risk loan products (remember those "stated income" or "no doc" loans?), and preventing foreclosures.  We have seen stricter qualifying guidelines put in place in recent months, including increased credit score requirements and down payment amounts, but in the long run these changes are helping to protect buyers and get the housing market healthy.

"Melanie was great, accommodating and helpful, and accomplished what other loan officers I tried to work with couldn't. It was a pleasure working with her." - Past Client   "Melanie is a trustworthy, honest, and reputable source to turn to when applying for home loans. She keeps you, the client, informed at all times of processes taking place throughout the course of the loan." - Jean Aldridge

WHAT NOW?

I would be happy to discuss your individual situation in more detail and to clear up any confusion that you may have in regards to qualifying for a mortgage loan.  I have a number of clients who I have helped qualify where we had to start with credit repair and work on getting them where they needed to be over a period of several months.  I work with a great credit repair company that has helped many borrowers raise their credit scores by over 100 points in less than six months. 

So all that said, I absolutely love working with people to help them make home ownership possible.  Every client is different and presents new challenges but that is actually what I love most about my job.  No two days are ever the same!  And I am rarely bored keeping up with this industry!  I would love to work with you and develop a long-standing relationship.