Melissa Bellamy - Coast2Coast Mortgage Lending

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United States
Saint Augustine, FL
Melissa Bellamy - Coast2Coast Mortgage Lending

Sr. Loan Officer | NMLS: 1320692
Lic. in AL/FL/GA/NC/SC/TN
Coast2Coast Mortgage Lending

11/03/2026

🏡 THINKING ABOUT BUYING A HOME? A CONVENTIONAL LOAN MAY BE WORTH EXPLORING!

Did you know some eligible conventional loan programs offer down payments as low as 3%? 👀

You don't necessarily need 20% down to start your homeownership journey!

Here are a few things to know:

✨ Flexible down payment options
✨ Financing options for first-time and repeat homebuyers
✨ Private Mortgage Insurance (PMI) may be cancellable once certain requirements are met.

The right mortgage depends on your income, credit profile, financial goals, and overall eligibility.

Not sure where to start? Let's talk about your options and find a loan that fits your needs! 💚

📩 Send me a message, and let's get the conversation started!

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
📞 (352) 572-6092
📧 [email protected]

People • Homes • Stronger Tomorrows.

Down payment options and loan terms vary by program. Eligibility and lender approval requirements apply.

10/30/2026

🎃🍂 FALL FUN IS HAPPENING IN MARION OAKS!

Looking for something fun to do with family and friends this weekend? It's pumpkin patch season! 🍁

Enjoy the fall atmosphere, pick out your favorite pumpkins, capture some festive photos, and make wonderful autumn memories with the community.

Whether you're visiting with the kids, meeting up with friends, or simply enjoying the season, it's a great opportunity to get out and celebrate fall!

📍 Marion Oaks Community Center
294 Marion Oaks Lane, Ocala, FL 34473

📅 October 10–31, 2026

🎃 Bring the family and enjoy some fall fun!

Let's keep supporting local events and making our community a wonderful place to call home. 🧡

10/29/2026

🏡 What if your next home required ZERO down payment? 👀✨

Homeownership might be more within reach than you think! 🌿

With a USDA home loan, eligible buyers may be able to purchase a home in a qualifying rural area with no down payment required.

💚 You don't have to be a first-time homebuyer to explore your options!

Wondering if you qualify? Let's talk about your goals and find out which mortgage option may be right for you. 🏡

📩 Send me a message, and let's take the first step toward your homeownership journey!

Melissa Bellamy
🏡 Sr. Mortgage Loan Advisor | NMLS #1320692
📞 (352) 572-6092
📧 [[email protected]](mailto:[email protected])

*Eligibility, income limits, property location, credit, and underwriting requirements apply. Zero down payment does not mean zero closing costs.*

People • Homes • Stronger Tomorrows. 💚

10/28/2026

🎃👻 THE REAL HORROR STORY? BUYING A HOME UNPREPARED!

Forget ghosts and haunted houses… these homebuying nightmares are REAL! 🏚️

👻 The Vanishing Savings
You forgot to budget for closing costs and other expenses.

🕸️ The Credit Score Surprise
You opened new credit accounts right before applying for a mortgage.

🎃 The Last-Minute Panic
You waited until you found your dream home to explore your financing options.

💀 The Mortgage Mystery
You signed documents without fully understanding the terms.

✨ THE GOOD NEWS?
You can avoid many homebuying surprises by planning ahead, asking questions, and working with a mortgage professional who helps you understand your options.

Don't let your homeownership dreams turn into a horror story! 🏡

📩 Let's talk before the spooky surprises begin!

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
📞 (352) 572-6092
📧 [email protected]

People • Homes • Stronger Tomorrows.

10/26/2026

🏡 MORTGAGE MYTH: Do you have to pay off every collection account before buying a home?

Not necessarily! 💡

The truth is, collection accounts are evaluated differently depending on your loan program and financial situation. Paying off a collection before understanding how it may affect your mortgage application isn't always the best first step.

✨ My advice? Talk to your mortgage advisor before making a move. Understanding your options can help you make more informed decisions as you prepare for homeownership.

Have questions about your credit and buying a home? Let's talk! 🏡

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
📞 (352) 572-6092
📧 [email protected]

People • Homes • Stronger Tomorrows.

10/21/2026

🏡 You got pre-approved—congratulations! But did you check when it expires? 👀

Getting a mortgage pre-approval is an exciting step toward homeownership. But while you're touring homes and imagining where your furniture will go, there's one detail you shouldn't overlook: your pre-approval's validity period.

Here's why it matters:

📅 1. Pre-approvals have a limited lifespan.
The validity period varies by lender and circumstances, so confirm your expiration date.

📄 2. Your financial documents may need updating.
If you've been house hunting for a while, your lender may need recent income or asset documentation.

💳 3. Your financial situation still matters.
Taking on new debt, changing jobs, or making significant financial changes could affect your qualification.

🔑 4. Stay in touch with your loan officer.
If your pre-approval is approaching expiration, ask what needs to be updated before you make an offer.

💡 Remember: A pre-approval helps you understand your potential buying power, but it doesn't guarantee final mortgage approval.

The goal is to be prepared when you find the home you love—not scrambling to update paperwork at the last minute!

💬 QUESTION: If you're currently house hunting, have you checked your pre-approval expiration date?

📞 (352) 572-6092
📩 [email protected]

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
Powered by Coast2Coast Mortgage Lending

10/20/2026

🏡 Renting right now? Your payment history may be more useful than you think!

Every month, you pay rent, manage your bills, and work toward your financial goals. But have you ever wondered whether those on-time rent payments could help you qualify for a mortgage?

Here's the good news: Some mortgage programs and underwriting systems may consider rental payment history when evaluating eligible borrowers.

However, rent payments don't automatically boost your credit score or guarantee mortgage approval.

Here's what else matters:

✅ Your credit profile: Lenders review your credit history and other qualifying factors.

✅ Your income: They evaluate whether your income meets the applicable requirements.

✅ Your existing debts: Monthly obligations help determine how much you may be able to afford.

✅ Your rental history: Depending on the loan program, documented rent payments may provide useful information about your payment habits.

💡 My advice? If you've been renting and are thinking about buying, don't count yourself out before exploring your options.

Your next step might be a conversation about your finances, potential loan programs, and what you can do to prepare.

💬 Question for renters: Is buying a home one of your goals for the next 12 months?

Let's talk about your next chapter! 💚

📞 (352) 572-6092
📩 [email protected]

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
Powered by Coast2Coast Mortgage Lending

10/20/2026

MORTGAGE MYTH MONDAY
MYTH!

“You must stay at the same job for two years before you can get a mortgage.”

THE TRUTH:

Changing jobs doesn’t automatically disqualify you from getting a mortgage.

Lenders look at your overall employment history, income stability, and ability to repay the loan.

NEW JOB?

You may still qualify if your new job meets the lender’s income and employment requirements.

PROMOTION OR RAISE?

Your new income may be considered, subject to documentation and program guidelines.

CAREER CHANGE?

A change in occupation isn’t a dealbreaker, but lenders may need to evaluate your new income structure and employment history.

THE TAKEAWAY

Your employment history matters, but changing jobs doesn’t automatically mean you can’t buy a home.

Before assuming you need to wait, talk with a mortgage professional about your specific situation.

MELISSA BELLAMY

Sr. Mortgage Loan Advisor | NMLS #1320692

📞 (352) 572-6092
📧 [email protected]

Powered by: Coast2Coast Mortgage Lending

People • Homes • Stronger Tomorrows.

10/15/2026

🏡 THOUGHT YOUR MORTGAGE PAYMENT WAS FIXED FOREVER? Here's something every homeowner should know! 👀

A fixed-rate mortgage generally keeps your principal and interest payment stable, but your total monthly payment can still change.

Here are three reasons why:

💰 Property Taxes: Your property tax bill may increase or decrease over time.

🛡️ Homeowners Insurance: Changes in your insurance premium can affect your monthly payment.

📋 Escrow Adjustments: If your escrow account has a shortage or surplus, your mortgage servicer may adjust the amount you pay each month.

💡 The takeaway? Don't just focus on your interest rate. Understand what's included in your monthly mortgage payment and plan for potential changes.

Being a prepared homeowner means knowing what to expect—even after closing! 💚

🏡 Have you ever experienced a change in your monthly mortgage payment? Share your experience in the comments!

📩 [email protected]
📞 (352) 572-6092

Melissa Bellamy
Sr. Mortgage Loan Advisor | NMLS #1320692
Powered by Coast2Coast Mortgage Lending

10/14/2026

🏡✨ Let's settle this debate!

If you could choose your next home, which would you pick?

🔑 TEAM A: A beautiful, move-in-ready home where you can unpack and relax.

🔨 TEAM B: A fixer-upper with potential, ready for your personal touch!

Both options have their own charm, but the best choice depends on your budget, lifestyle, and plans for the future.

💬 Tell me in the comments: Are you Team A or Team B?

I love hearing about your homeownership dreams! 💚

Address

125 B King Street
Saint Augustine, FL
32084

Website

http://www.melissabellamy.com/

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