Loan programs
Every door into homeownership, explained
Eight programs. Zero jargon. If you don't know which one is yours, that's the first thing Mel figures out.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA LoansMel's specialty
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →One-Time Close Construction
Building in Alaska? One loan, one closing, one set of closing costs — covers the build and converts to your permanent mortgage.
Learn more →Non-QM Loans
Self-employed, investor, or just not a W-2 box-checker? Bank-statement, DSCR and P&L-only options for real-life finances.
Learn more →Reverse Mortgages
For homeowners 62+: a loan that turns home equity into cash flow or a line of credit — explained honestly, obligations included.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Mel will show you. When it doesn’t, she’ll tell you.
Learn more →No idea which one?
Most common question Mel gets. Text her your situation and she'll tell you which door to walk through.
Text Mel →
Got a question? Just ask Money Mel.
No pressure, no jargon, no obligation — a straight answer from someone who has been doing this since 2012 and speaks fluent VA. Text, call, or apply whenever you’re ready.