Melanie Kelly-Ruiz - CrossCountry Mortgage

Melanie Kelly-Ruiz - CrossCountry Mortgage Serving Texas & Florida homebuyers with personalized mortgage solutions. Let’s work together to open the doors to your next chapter.

Purchase • Refinance • Home Equity • Renovation • Investment • Construction

🔗 Book a consultation: linktr.ee/melkelruiz

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.

I am honored to have been nominated for Social Media Influencer of the Year- Lender. I hope that those of you who follow...
09/08/2026

I am honored to have been nominated for Social Media Influencer of the Year- Lender.

I hope that those of you who follow me and know how consistently I show up, will take the time to vote for me.

You can vote once a day - and voting ends on September 18th.
If you can, please take the time to vote for others on this ballot and for me 😁

https://houstonagentmagazine.com/2026/09/08/2026-houston-agents-choice-awards-voting/

Signing your closing day docs is the most exciting moment of the mortgage process — but it doesn’t happen without a Nota...
09/08/2026

Signing your closing day docs is the most exciting moment of the mortgage process — but it doesn’t happen without a Notary Signing Agent. Get to know them: http://spr.ly/6185B11JH3

The typical first-time homebuyer is 40. And there are fewer of them. What’s available to help them overcome barriers — r...
09/07/2026

The typical first-time homebuyer is 40. And there are fewer of them. What’s available to help them overcome barriers — real and perceived — to become homeowners? Find out what’s really going on in our article: http://spr.ly/6180B1Qtwa

09/06/2026

Temporary buydown or permanent buydown—which one is better? 🤔🏡

The answer depends on your specific situation, goals, and how long you plan to keep your home and mortgage.

A temporary buydown can provide a lower payment for the first few years, while a permanent buydown lowers your interest rate for the life of the loan—but comes with upfront costs.

There’s no one-size-fits-all answer! Let’s look at the numbers together and determine which option makes the most sense for YOU. 📊🔑

09/05/2026

Take a walk through this beautiful home at 2603 Little Lake Court in Richmond, Texas! 🏡✨

From the inviting spaces to the details that make this house feel like home, you’ll definitely want to see this one for yourself!

📍 2603 Little Lake Court, Richmond, TX
💰 Listed at $798,000

Interested in seeing it in person? Contact the listing agent:

Ann Divers
📞 (281) 239-5014

A few outdoor maintenance tasks keep things up and running from the first fallen leaf to the last. Get our full home ma...
09/05/2026

A few outdoor maintenance tasks keep things up and running from the first fallen leaf to the last.

Get our full home maintenance checklist here: http://spr.ly/6183B1u2SL

Despite the common belief that buyers need a 20% down, the typical first-time homebuyer down payment is 10%. (Repeat buy...
09/04/2026

Despite the common belief that buyers need a 20% down, the typical first-time homebuyer down payment is 10%. (Repeat buyers put 23% down, with more than half relying on funds from their primary home sale.) We’re separating myth from fact in our article: http://spr.ly/6180B1Qtnu

Delayed homeownership has long-lasting financial impacts. Fewer years to grow home equity, less opportunity to be mortga...
09/04/2026

Delayed homeownership has long-lasting financial impacts. Fewer years to grow home equity, less opportunity to be mortgage-free by age 65 and paying a mortgage later in life. See how it adds up in our article: http://spr.ly/6189BG6MkZ

An assumable loan allows a qualified buyer to take over a seller's existing mortgage, including rate and terms. Eligible...
09/03/2026

An assumable loan allows a qualified buyer to take over a seller's existing mortgage, including rate and terms. Eligible FHA, VA and USDA loans may offer unique advantages for buyers exploring their financing options. Learn how they work: http://spr.ly/6186B1c9hI

Green goes with everything — including your mortgage! CCM EasyGreen lets you finance energy-efficient home improvements ...
09/02/2026

Green goes with everything — including your mortgage! CCM EasyGreen lets you finance energy-efficient home improvements and lock in a lower interest rate. Contact us today to see if you qualify. Learn more at http://spr.ly/6189B1QtP7

Address

9999 Bellaire Boulevard Suite 750
Houston, TX
77036

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