Purchase • Refinance • Home Equity • Renovation • Investment • Construction
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Personal NMLS2527629
Branch NMLS2571734
Company NMLS3029 Hi, I’m Melanie Kelly-Ruiz, based in Houston, TX, and I’m passionate about helping individuals and families achieve their homeownership dreams. With years of experience in mortgage lending and a strong foundation in fina
nce, I’ve built my career on trust, clear communication, and a genuine commitment to my clients’ success. My goal is to make the lending process seamless and empowering—whether you’re buying your first home, upgrading, or investing in your future. Clients know me for being proactive, transparent, and dependable from application to closing. As part of America’s #1 Retail Mortgage Lender, I combine personalized service with proven expertise to help you reach your goals confidently.