Melissa Nelson, Mortgage Matchmaker, NMLS #452479

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United States
Excelsior, MN
Melissa Nelson, Mortgage Matchmaker, NMLS #452479

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35+ years of experience in the mortgage industry gives me the upper edge in understanding which mortgage products that are the right fit for my clients.

NMLS # 452479, under NMLS #2474471 CFR/Upstream Mortgage, Equal Housing Opportunity. Having an education in psychology and 25+ years in the mortgage industry gives me the upper edge in not only understanding which mortgage product will meet the needs of my clients but the ability to connect with them on a personal level. After all, in today's world, getting a mortgage is much like meeting with a counselor...aka a "mortgage matchmaker". I have held several positions in the mortgage industry since 1988, from receptionist/opener to closing and post closing. Having a complete understanding of the entire process from the beginning to the end gives me an upper hand in educating my clients. I look forward to talking with you, and appreciate your referrals...as always with much gratitude! https://bit.ly/SLDisclaimer

10/30/2026

Making an extra mortgage payment each year may seem small, but putting additional money toward principal can add up over time. Some homeowners do this through biweekly payments, while others make extra principal payments monthly or annually. Potential savings depend on your loan balance, interest rate, and how long you keep your mortgage. Understanding how extra payments are applied and whether fees apply can help you make the most of your strategy.

10/30/2026

10/29/2026

10/29/2026

4209 24th Ave S - Mpls. Adorable 2 bedroom house located on a pristine block – literally just steps to Lake Hiawatha Park. Enjoy classic 1930’s architecture including hardwood floors, coved ceilings, and character galore. The upper level is not included as a bedroom due to ceiling height – but...

10/29/2026

Getting your offer accepted is a big milestone, but there are still important steps to take before closing. Changes to your credit, debt, employment, or finances could affect your mortgage approval, even late in the process. Before making major financial moves, check with me to understand how they could affect your loan. A little caution now can help keep your homebuying journey on track!

10/26/2026

10/26/2026

OPEN HOUSE 🚪🤍 Stop by, say hi, and see why this might be your perfect next home.

Friday, October 23 from 4:30-6pm

Can’t make it?! Shoot me a message and let’s schedule you a private showing!

10/26/2026

Had a great time on Saturday night at Trunk or Treat with NRH Plumbing, Inc.! Thank you so much, Olivia for putting it all together! 🍬🍭🎃

10/23/2026

It can be surprising to see how your mortgage payment is divided, especially during the first few years of a loan. With a typical amortizing mortgage, interest is calculated on the outstanding principal balance. As you gradually pay down that balance, less of each payment goes toward interest and more goes toward principal. This is also why making additional principal payments early in the loan can have a greater impact on the total interest you pay over time.

Address

7004 E Fish Lake Road
Excelsior, MN
55331

Website

https://upstreammortgage.com/, https://cfr.my1003app.com/452479/register?time=1775484841274

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