Melissa Jones - Loan Officer

06/06/2026

My friend Jill is selling her home. Let either of us know if you’re interested!

Welcome to 4128 E Sun Crest Dr, a former model home on a premium corner lot in the highly sought-after Ranches community. Offering 3,648 sq ft with 2,576…

05/23/2026

Things that feel like betrayal in mortgage lending:

* The borrower who trusted TikTok over you.
* The realtor who only calls when there’s a problem.
* The underwriter condition added 2 hours before closing.
* The client who said “you’re family” then disappeared for a cheaper quote.
* Watching a perfect file implode over a $287 payment.
* Spending 60 hours on a deal that never funds.
* The phrase: “We decided to wait.”

11/01/2025

Three closings this week and another one on Monday! I missed getting pictures of a couple, but my borrowers are the real winners! Love seeing repeat clients and helping them with more purchases or refinances! Know someone looking to buy or refinance? I'd love to help!

10/01/2025

🚨 Government Shutdown & Real Estate: What You Need to Know 🚨

A government shutdown has gone into effect, and while not everything in real estate is impacted, there are some important things buyers, sellers, and homeowners should be aware of:

🔹 USDA Loans – Processing and closings could be suspended.
🔹 Flood Insurance (NFIP) – New policies can’t be issued, renewals are paused, and loans that require new coverage can’t close until reauthorization.
🔹 IRS Delays – Expect longer turnaround times for income verification (tax transcripts).
🔹 Social Security Verification (SSA-89) – Could see delays.
🔹 Federal Employee Income – If borrowers are furloughed, their income may not be usable until the government reopens.

👉 What this means for you:
If you’re in the middle of a home loan process—or planning to start soon—be aware that these issues could cause delays. The good news? Not all loan programs are affected, and we’re here to help you navigate through it.

💬 My job is to keep you updated and ensure you understand how this may (or may not) affect your specific situation. Communication is key!

📲 If you or someone you know is in the middle of buying, selling, or refinancing, reach out—I’m happy to explain how this could impact you.

09/18/2025

Thank you to these two cuties for trusting me to help them get into their new home! 🏡

09/02/2025

The cost of buying a home in the US. One reason today’s mortgage rates seem especially burdensome is that home prices remain elevated in most markets. Even a historically average interest rate can feel unaffordable when combined with high home prices. But while home prices are forecasted to steadily appreciate for decades to come, mortgage rates are expected to drop at some point. That’s why many buyers are choosing to act now

08/27/2025

What NOT to do when applying for a home mortgage…call me and I can explain more!

08/20/2025

Call me to get preapproved for a home loan! I have lots of options to help get you into a home. YOU DON’T ALWAYS NEED A DOWN PAYMENT TO GET INTO A HOME!