Nelly Melian - Senior Loan Officer-Premier Plus Lending

Nelly Melian - Senior Loan Officer-Premier Plus Lending All loans subject to credit approval.Rates & fees subject to change.Juniper Financial LLC dba Premier Plus Lending. Please don't hesitate to reach out to me.

NMLS2444946 Equal Housing Lender.Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act60DBO-177909 Have you ever needed a friend in the mortgage business who will tell you the truth and look out for your best interest? I have assisted clients for over a decade and believe in honest and transparent customer service while providing the most competitive rates.

I am here to help you and your family achieve your mortgage goals! I look forward to helping you with your home financing needs. Nelly Melian, Senior Lending Officer - NMLS # 727190

My client Chris found me through another client after being declined twice and wasting 2 1/2 months. I took the time to ...
08/11/2026

My client Chris found me through another client after being declined twice and wasting 2 1/2 months. I took the time to understand the full picture, figured out the right fit, and got him closed in three weeks. Getting declined does not always mean it is over. It sometimes just means you need someone who knows how to read the full picture. Nearly 20 years of complicated scenarios means I have seen a lot. And I know how to find a way when others do not. Shoot me a text if you are in a tough spot. Let’s talk it through.

It’s crazy how often this happens. I recently helped someone get pre-approved who had wanted to buy for the last 3 years...
08/04/2026

It’s crazy how often this happens. I recently helped someone get pre-approved who had wanted to buy for the last 3 years. They thought they needed two full years at their job after graduating college. After looking at their info, it looks like they could have bought 3 years ago. Mortgages aren’t as black and white as they seem. A lot of people are relying on AI or whatever they find on Google, and it’s actually hurting them more than helping because there are so many variables involved. Most people I talk to are in better shape than they think. I made a short quiz that gives you an idea of where you stand. Takes about 3 minutes, it’s 100% free, and it might save you years of waiting. I’ll drop the link in the comments if you’re interested. (by the way, if you want to buy a home at any point, I recommend doing this real quick

I had the best time with my favorite ladies this weekend to celebrate my mom’s 80th birthday. My mom is the most selfles...
08/03/2026

I had the best time with my favorite ladies this weekend to celebrate my mom’s 80th birthday. My mom is the most selfless caring and loving person I know. She deserves this and so much more. It was so relaxing and just super fun 🤩. We did some painting and wine tasting in Paso Robles. Got some massages and just enjoyed each other with giggles and fun. I love you so much mommy. 😘❤️

A few weeks back I posted about my Refi Watchlist and a lot of people joined it. If you own a house and want me to notif...
07/27/2026

A few weeks back I posted about my Refi Watchlist and a lot of people joined it. If you own a house and want me to notify you when there's an opportunity to refinance based on your exact situation, I'll drop the link in the comments. It's 100% free. If you own a home, this could save you a ton of money down the road if we see rates shift, so I highly recommend you fill this out.

I am so thrilled for my clients who went through so much to get here, and watching them finally close on their first fam...
07/23/2026

I am so thrilled for my clients who went through so much to get here, and watching them finally close on their first family home made every late night and weekend text worth it. They were patient, they trusted the process, and they showed up ready every single time. That is why it worked. If you want a lender who will actually be ready when your moment comes, and move quick, take my quiz www.loansbynelly.com/quiz or message me. Let’s get you prepared.

Waiting for Lower Rates Cost Some Buyers 19 Years and Double the PriceIn 1974, mortgage rates crossed 8% and buyers said...
07/14/2026

Waiting for Lower Rates Cost Some Buyers 19 Years and Double the Price

In 1974, mortgage rates crossed 8% and buyers said they'd wait for them to come back down.

They waited until 1993. Nineteen years. And by then, the house cost twice as much.

The person who held out for the perfect rate didn't save money. They paid a premium for the wait. The buyer who purchased in 1974 at 8% built equity for two decades while everyone else sat on the sidelines.

Rates move. Prices tend not to go backwards. If the payment works today and the home fits your life, that's the math that matters.

Take my quick purchase quiz. Link in comments

For some reason, when it comes to buying a house, most people assume they're in a worse position than they actually are....
07/09/2026

For some reason, when it comes to buying a house, most people assume they're in a worse position than they actually are.

I've helped tons of people buy homes and what I see a lot is that people are either in better shape than they think, or there are just a couple things they need to do first. And usually that stuff can get done in a couple months.

I actually have a guide that breaks down every step you should be taking to improve your home buying situation over 3 months. It's 100% free.

I'll drop the link in the comments!

07/04/2026

250 years ago, a group of people signed their names to an idea they might die for — that ordinary people could govern themselves. Every generation since has been handed that same unfinished sentence and asked to keep writing it. Tonight, when the fireworks light up, I’m not just celebrating what America was in 1776. I’m celebrating everyone who’s spent 250 years trying to make those words true for more people. Happy 250th, America. The experiment continues. One Nation Under GOD🇺🇸

07/01/2026

I helped a young lady and her brother buy their first home about a year ago. When they came to me, their numbers were tough to work with but after reviewing all the options, I was able to combine both of their incomes (even a second job) and also reduce some of their debt to help them buy their own place in LA. There were a few bumps along the way and the rates rose in the middle of the process which stressed everyone out even more (they thought of cancelling) but since they are a hard working brother and sister duo they made it happen! I checked in on them a few months ago and they are so thrilled they took that leap of faith! And I’m so happy for them! I have yet to have a client regret purchasing a home in 19 years of doing this. Take the leap.

There are basically three things that actually determine what you can afford when buying a home.One, your income VS your...
06/29/2026

There are basically three things that actually determine what you can afford when buying a home.

One, your income VS your debt. Lenders look at how much you make compared to what you already owe each month. Car payments, credit cards, student loans. This is the biggest factor.

Two, your down payment. Not because you need a huge one, but because how much you put down changes your monthly payment and what programs you qualify for.

Three, your credit. It affects your rate, which affects your payment, which affects how much house you can actually get.

Here's what I’ve found, most people guess at all three and are actually in way better shape than they think.

I'm sending an email to my list tomorrow that breaks down exactly how these three work together. If you want it, I’ll drop the link to my email list in the comments.

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Studio City, CA
91604

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Tuesday 8am - 8pm
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Thursday 8am - 8pm
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