Experienced mortgage loan officer with 15+ years guiding clients to homeownership success. Specializing in personalized loan solutions for first-time buyers, refinances, and investment properties. Expertise in new construction and local builder relationships. I empower clients with clear, informed choices throughout the lending process. Proven strategies to win in competitive markets. Passionate about expanding homeownership opportunities. Let's discuss your goals! Contact me today. mortgageloanswithmelissa.com