Melissa Arntzen, Nmls#1479296 Sr Mortgage Consultant

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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.”

Nobody wants to get halfway to closing and realize they’re in over their head. Let’s talk through the numbers and the “i...
11/03/2026

Nobody wants to get halfway to closing and realize they’re in over their head. Let’s talk through the numbers and the “is this actually doable?” questions before you make an offer.
https://myoc.io/

NMLS # 1479296

DREAM KITCHEN? NEW BATHROOM? BACKYARD MAKEOVER?Your home's equity might help turn those Pinterest dreams into reality!A ...
11/01/2026

DREAM KITCHEN? NEW BATHROOM? BACKYARD MAKEOVER?

Your home's equity might help turn those Pinterest dreams into reality!

A HELOC or fixed-rate 2nd mortgage could provide the funds you need without refinancing your first mortgage.

🏡 Message Me- Let's make those home improvement plans happen!

10/30/2026

YOUR HOME MAY BE SITTING ON OPPORTUNITY! 💰

You've worked hard to build equity in your home. Why not put it to work for you?

✔ Pay off high-interest debt

✔ Remodel your kitchen

✔ Make those long-awaited home improvements

And keep your existing first mortgage rate!

📲 Let's talk!

No more monthly mortgage payments? It's possible!With a reverse mortgage, you can turn the equity in your home into cash...
10/28/2026

No more monthly mortgage payments? It's possible!

With a reverse mortgage, you can turn the equity in your home into cash to boost your financial freedom—all while staying in the home you love.

Find out how you can increase your cash flow and take the stress out of monthly payments.

Contact us today to learn more.
https://myoc.io/



NMLS # 1479296

10/27/2026

TIRED OF HIGH CREDIT CARD INTEREST?

Your home equity could be the solution!

Consolidate high-interest debt into one potentially lower monthly payment while keeping your current first mortgage in place.

🏡 Message Me- Let's see what your equity could do for you!

10/25/2026

Love your low mortgage rate?

You may not have to give it up to access cash! A HELOC or fixed-rate 2nd mortgage could be the answer.

🏡 Message me to learn more!

Retirement should be about living life on your terms.With a reverse mortgage, you can access the equity in your home to ...
10/21/2026

Retirement should be about living life on your terms.

With a reverse mortgage, you can access the equity in your home to fund what matters most—whether it’s home improvements, paying off debt, in-home care, or traveling the world.

Discover how a reverse mortgage can help you live retirement your way.

Contact us today to learn more.
https://myoc.io/



NMLS # 1479296

Plot twist: The scariest thing you see this October might not be a ghost. 👀It might be an email that looks almost legiti...
10/15/2026

Plot twist: The scariest thing you see this October might not be a ghost. 👀
It might be an email that looks almost legitimate.
Buying a home involves money movement, personal information, deadlines, and a lot of communication, which is exactly why knowing the red flags matters.
Get suspicious. Protect your path to homeownership. 🔐🏡
https://myoc.io/



NMLS # 1479296

Worried about your heirs? With a reverse mortgage, your loved ones are never personally responsible for repaying the loa...
10/14/2026

Worried about your heirs? With a reverse mortgage, your loved ones are never personally responsible for repaying the loan.

Your home’s value will cover the repayment, giving you peace of mind and financial freedom for the future.

Learn more about how a reverse mortgage can work for you and your family.
https://myoc.io/



NMLS # 1479296

10/13/2026

Most people think you have to find a house first and lock your rate second. Lock n' Shop lets you do it the other way around — lock your rate, then shop for your home for up to 90 days.
No pressure, no guessing. Let's look at your options together.
https://myoc.io/



NMLS # 1479296

Address

1741 E. Roseville Pkwy Suite 300
Roseville, CA
95661

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