Nicole Melgar, Mortgage Loans - NMLS #1778449

05/18/2026

Mortgage tip of the day:

No car payment.
Better income ratio.
Better shot at the dream home.

04/29/2026

Thinking about buying in Coachella Valley? Start sooner than you think 👀
DM me “COACHELLA” and I’ll help you see what you qualify for.

investmentproperty

03/25/2026

Thinking about buying a home but worried about the down payment? 🏡💰

Rebecca and I are talking about a Down Payment Assistance Program that may help buyers qualify with:
✔ 660 minimum FICO
✔ 1–2 unit properties
✔ No income limit

A lot of people think they need a huge amount saved up to buy a home… and that’s not always the case.
If you want to see if this program could be a fit for you, send me “DPA” 📩

Rebecca can help you find the home, and I can help you with the financing 🤝

03/25/2026

If you’re self-employed and writing everything off, that doesn’t mean you can’t buy a home. With a bank statement loan, we use your actual cash flow — not what’s on paper.

Teamed up with Rebecca the agent to help more clients get approved and into homes 🙌

If your income looks “low” on taxes but strong in the bank… this is for you.

estate

03/23/2026

03/23/2026

A contingency gives you an “out” in a contract.
Without it, your deposit could be at risk.

03/20/2026

The right team makes all the difference.

firsttimehomebuyer

03/19/2026

Can’t use your tax returns to qualify?

There’s another way..
FHA VOE programs allow you to qualify based on your job,not just your paperwork.

DM me “VOE” to learn more 📩

03/18/2026

Fix & flip loans are designed for investors who want to buy, renovate, and resell for profit 🔨

These loans typically cover:
• Purchase price
• Renovation costs
• Short-term financing (usually 6–12 months)

Instead of using all cash, you can leverage a loan to scale faster and take on more projects.

This is how flippers keep deals moving.

03/06/2026

Your home equity could be the down payment for your next investment property. DM me to see your options. 🏡