Melissa Arntzen, Nmls#1479296 Sr Mortgage Consultant

Melissa Arntzen, Nmls#1479296 Sr Mortgage Consultant Melissa Arntzen/ NMLS # 1479296 / Sr Mortgage Consultant At Element Mortgage, we work quickly to find loans that fit individual borrower’s needs.

Melissa Arntzen found her niche when joining Element Mortgage, combining her thirty-three years in the Mortgage and Real Estate Industry with her desire to serve. It is second nature for Melissa to connect with people and build strong relationships, professionally and personally. The core foundation of her strong and rewarding career has been her passion for helping others achieve success. Today,

she utilizes that passion by focusing on assisting Home Buyers and Veterans buying their dream home and supporting REALTORS® in building their business. Unlike big banks and online companies that have “order takers” sitting in a call center “somewhere” we are here locally to help you through the process
It is our mission to be your go-to resource for all things mortgage and real estate related. No matter if this is your first home, or if you have a large portfolio; we are the experts you want to work with. Element Mortgage, a division of American Pacific Mortgage Corporation NMLS 1850
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
Equal Housing Opportunity

Texas
“THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.”

Your kids are grown-what's next for you? Whether it's a condo with zero maintenance or life on the open road, there's a ...
06/06/2026

Your kids are grown-what's next for you? Whether it's a condo with zero maintenance or life on the open road, there's a perfect next chapter waiting. What does your dream home look like now?

Patio season is officially here.If your outdoor space isn't quite what you want yet... it might be time to change that.W...
05/16/2026

Patio season is officially here.
If your outdoor space isn't quite what you want yet... it might be time to change that.
What's your must-have: fire pit, garden, or outdoor lounge?

The opportunity isn't just lower rates.It's being ready when they happen.Let's make sure you're in position.
05/09/2026

The opportunity isn't just lower rates.
It's being ready when they happen.

Let's make sure you're in position.

You need perfect timing to refinanceTrying to "time the market" isn't the strategy.The better question is: does it make ...
05/06/2026

You need perfect timing to refinance

Trying to "time the market" isn't the strategy.

The better question is: does it make sense for you right now?

Refinancing decisions should be driven by your financial goals - not headlines.

If it improves your situation, it's worth exploring. Simple as that.

05/02/2026

There are opportunities in this market.
Most people just don't know where to look.

That's where strategy matters.
And having the right guidance can make all the difference.

Refinancing is a long, complicated processThat may have been true years ago. Not anymore.Today's process is faster, more...
05/01/2026

Refinancing is a long, complicated process

That may have been true years ago. Not anymore.

Today's process is faster, more streamlined, and far more efficient than most homeowners expect.

Less paperwork. Quicker timelines. Better technology.

If it's been a while since you've explored your options, you might be surprised at how simple it can be.

04/29/2026

A lot can change in a short amount of time.

Home values rise. Equity builds. Financial goals shift.

What made sense when you bought your home might not be the best strategy today.

Your mortgage should evolve with your life.

It might be worth taking a second look.

Think refinancing is all about chasing a lower rate?Not quite.For many homeowners, it's about creating a better financia...
04/25/2026

Think refinancing is all about chasing a lower rate?
Not quite.

For many homeowners, it's about creating a better financial structure - not just a better rate.

From removing mortgage insurance to consolidating debt or tapping into equity, the right move depends on your goals, not just the market.

Curious what a smarter structure could look like for you? Let's talk.

Address

1741 E. Roseville Pkwy Suite 300
Roseville, CA
95661

Telephone

+19163160672

Website

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