Melissa Holt - Mortgage Broker - NMLS 331083

08/31/2026

🐾 Veterinarians spend their careers taking care of everyone else’s family… including the furry ones. Let’s talk about taking care of YOUR home goals! 🏡🐶🐱

There are specialized home financing options designed specifically for veterinarians that can offer some pretty incredible benefits:

🏡 100% financing options available
📄 No tax returns or pay stubs required
🎓 Student loan debt may be excluded from DTI calculations — which can make a BIG difference for veterinarians carrying substantial student loan balances.

Because when you’ve spent years earning that DVM, your student loans shouldn’t necessarily keep you from buying a house for yourself… and, obviously, Fido. 🐾😉

Program eligibility and restrictions apply. Want to know if you qualify? Send me a message and I’ll walk you through it.

08/29/2026

What exactly IS a credit score? 🤔

Think of it as a snapshot of how you’ve managed credit over time.

Your score is influenced by things like:
• Payment history
• Credit card balances and utilization
• Length of credit history
• Types of accounts you have
• New credit and inquiries

And here’s the part that surprises a lot of people:

You don’t actually have just ONE credit score.

Different lenders and companies may use different scoring models, so the score you see through your credit card company or banking app may not be the same score a mortgage lender uses.

In this video, I break down what goes into your score and why the number can vary depending on who is looking at it.

Because when it comes to credit, understanding the “why” behind the number is way more useful than just staring at the number itself. 😉

08/26/2026

Freddie Mac just made a GREAT change for borrowers with strong assets but limited traditional income. 🎉

Under the updated Accumulated Assets as Income guidelines, eligible assets will be divided by 180 months instead of 240 when calculating qualifying income.

Example:

💰 $180,000 ÷ 240 = $750/month
💰 $180,000 ÷ 180 = $1,000/month

That’s 33% more qualifying income from the same assets!

The update also expands eligibility to primary homes, second homes and investment properties and removes the borrower age restriction for certain accounts.

A very cool improvement for borrowers who have built wealth—even if their paycheck doesn’t tell the whole story. 🙌

08/12/2026

**25 YEARS. ❤️🏡**

25 years ago today, I walked into Wells Fargo Private Mortgage Banking in Bellevue for my very first day of work.

I was the front desk admin.

I had absolutely no idea what had just begun.

Looking back now, I believe God already knew exactly where He was taking me—even though I spent the better part of the first 10 years trying to fight the path I was on. 😂

Somewhere around year 12, my eyes finally opened.

**This wasn't just the industry I worked in. This was the career I was meant for.**

And now, 25 years later, I honestly cannot imagine doing anything else.

I love helping people. I love taking something complicated and finding the common-sense, logical path through it. I love solving problems that initially look impossible. I love that this business gives me permission to be creative, forces me to keep learning, and changes just enough that I will probably never completely master it.

And selfishly, I love that it gives me the perfect combination of getting out into the world, meeting people and building relationships…and hiding in my office when my social battery says, **"Absolutely not today."** 😂

But the greatest gift of these 25 years has been the people.

I don't just close loans.

I walk alongside people during some of the biggest moments of their lives. I hear their stories. I learn about their families, their fears, their plans and their dreams. I celebrate their wins and sometimes hurt alongside them through their losses.

And somewhere along the way, so many of their stories have become written into mine.

I give a little piece of my heart and soul—and yes, occasionally my pocketbook 😂—to the transactions I work on because I've never figured out how to do this job without genuinely caring about the people on the other side of the paperwork.

**25 years. Thousands of conversations. Countless families. A ridiculous number of loan guidelines. More market changes than I care to count. And still learning every single day.**

What started as a front desk job became a career.

That career became a passion.

And eventually, I realized it had been part of the plan all along.

Today I'm just incredibly grateful.

For the people who taught me.
For the people who trusted me.
For the people who referred me.
For the families who let me become a tiny part of their story.

And for a career that, 25 years later, I still absolutely love.

**Happy 25th Mortgage-versary to me. 🥂🏡❤️**

Here's to whatever the next chapter brings.

07/28/2026

🦷 Calling all dentists and soon-to-be dentists!

The Titan MD product offers a specialized dentist loan with up to 100% financing—and qualifying may be possible using an employment offer letter dated up to 150 days before your start date, without relying on traditional pay stubs or tax returns.

Whether you’re relocating, starting a new position or ready to purchase before your first paycheck arrives, this program may help you get into a home sooner than expected.

📲 Message me for eligibility details and a personalized financing review.

Program terms, credit approval and property requirements apply. Not a commitment to lend. Equal Housing Opportunity.

07/17/2026

04/28/2026

Thank you Grace and Kate for the wonderful review! It was great working with you! I wish you many years of happiness in your new home!