Melissa Holt - Mortgage Broker - NMLS 331083

06/11/2026

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!

04/27/2026

5.0 star review received on Experience.com for Melissa Holt by Grace B P - Melissa was absolutely amazing throughout this whole process. She was more than eager to help with any questions and went the extra mile to assist in all of this. We’d highly recommend her!

Click to see all 155 reviews of Melissa Holt, Branch Manager | NMLS # 331083

04/25/2026

Whichever version speaks to you, reach out to me to learn more!

04/20/2026

Unlock your home's value with a cash-out refinance. Contact us today to learn how much you could access!

04/15/2026

Good news for homeowners and future buyers: bonds improved today after Producer Prices (PPI) came in much softer than expected. Headline PPI rose just 0.5% for the month versus the 1.1% many feared, and core PPI came in at only 0.1%. That is a nice sign that wholesale inflation is not heating up the way some expected.

The result? Mortgage pricing improved, with many rate sheets looking about 0.25 points better. So if you saw pricing worsen yesterday, today brought some welcome relief. That said, the market is still keeping one eye on the Middle East. If tensions with Iran escalate and oil spikes, mortgage rates could feel that pressure quickly.

My take: if you are closing in the next 20 days, locking may be the smart move. If you have a little more time, floating could still make sense, but cautiously. Soft inflation data is helping, but headlines can change the game fast. Message me your timeline and I’ll help you decide on the best strategy for your situation.

For more information about RATE LOCKS, check out my blog post!

When you apply for a mortgage, you'll hear the phrase "rate lock" early—and often. It sounds technical, but the concept is actually pretty straightforward. Understanding how rate locks work (and when to use them) can: Protect Your Payment Protect Your Budget Protect Your Peace of Mind Let's brea

04/13/2026

Can't see all the numbers? I can help, give me a call!

04/09/2026

As we enter the Spring home selling season, here is a quick reference guide to preparing the home for the FHA appraisal!

04/08/2026

The correct answer is D: All of the above. Connect with me to learn more!

04/06/2026

Save your phone's battery by swiping out of those apps, and save on your mortgage by working with me! DM me to learn more!