Melissa Rishel, Loan Officer

10/30/2026

Wishing everyone a happy and safe Halloween!

10/22/2026

Life doesn’t stand still, and your insurance shouldn’t either.

Whether you’ve added a home office, renovated your kitchen, or invested in new valuables, a quick annual review makes sure your coverage still fits your life. It’s a small habit that can save big stress, and it’s one of the smartest forms of financial self-care.

When was the last time you checked in on your coverage?

10/19/2026

🚨 $20K PRICE DROP + $11K IN BUYER INCENTIVES! 🏡💰

What if you could buy a home for $20,000 LESS AND save hundreds on your monthly mortgage payment?!

Well, here's your opportunity! 👀

📍 3501 Arlington Place | Portsmouth, VA

This move-in-ready home in the desirable Westhaven neighborhood just dropped to $300,000!

🏡 4 Bedrooms | 2 Bathrooms | 1,800 Sq. Ft.
✨ Spacious corner lot with a saltwater pool
✨ Beautiful hardwood floors
✨ Energy-efficient solar panels

💜 BUT WAIT… THERE'S MORE!

This home is part of my Buyer's Edge Program, offering qualified buyers even MORE savings!

💰 $9,000 seller credit + $2,000 lender credit
📉 5.49% interest rate in YEAR ONE*
🏡 Estimated $1,670 monthly principal & interest payment, and approximately $380 in monthly savings during year one!

That's a $20K PRICE REDUCTION PLUS $11K in potential financing incentives! 🤯

Proud to partner with Shannon Limbaugh with North End Realty Group to bring buyers this opportunity!

🏡 Looking for something different? Explore more homes participating in my Buyer's Edge Program and discover additional opportunities to save!

👉 https://pages.homespiremortgage.com/melissa-rishel/buyers-edge

📲 Want to see what YOUR monthly payment could look like? Comment EDGE or send me a DM for a personalized payment breakdown!

10/15/2026

🏡 WHAT IF YOUR NEXT HOME CAME WITH EXTRA MONEY TO HELP YOU BUY IT? 💰

One of the biggest misconceptions about buying a home is that you have to come up with a huge amount of cash AND settle for whatever monthly payment the numbers give you.

But what if there was a smarter way to structure your purchase?

Introducing BUYER'S EDGE! 🔑

I've partnered with local real estate agents to showcase homes throughout Hampton Roads that come with special financing incentives designed to help make homeownership more affordable!

Here's how it works:

✅ SELLER CREDITS: Negotiated concessions can help reduce your upfront costs or temporarily lower your interest rate.

✅ LENDER CREDITS: Eligible Buyer's Edge properties offer additional lender credits to help cover qualifying closing costs.

✅ MORE BUYING POWER: By strategically combining these incentives, we can explore ways to make your home purchase more affordable without necessarily needing a lower purchase price.

And here's my favorite part...

You can actually browse participating homes and see the available Buyer's Edge credit for each property!

Whether you're buying your very first home, upgrading to something bigger, or simply exploring your options, you deserve to understand ALL the ways you could potentially save.

🏠 READY TO FIND YOUR BUYER'S EDGE?

Click the link below to explore participating homes throughout Hampton Roads and see what incentives may be available!

👇 EXPLORE HOMES & AVAILABLE CREDITS HERE:

https://pages.homespiremortgage.com/melissa-rishel/buyers-edge

Or send me a message with the word EDGE, and let's explore what homeownership could look like for you!

Credits and savings vary by property, loan program, and borrower eligibility. Restrictions apply.

Buyer's Edge with Melissa Rishel, Loan Officer at Homespire Mortgage.

10/14/2026

Your home doesn’t need to look like anyone else’s to be beautiful. When you focus on what makes you happy, you’ll find more contentment and less pressure to keep up.

What’s your favorite thing about your home right now?

10/08/2026

4.83 star review received on Experience.com for Melissa Rishel by Tristan R J - Melissa (& team) were very helpful, great communication and customer service. They made themselves available any time I had a question/concern.

Click to see all 18 reviews of Melissa Rishel, Loan Officer | NMLS # 2148318

10/05/2026

🏡 This Chesapeake listing just got the Buyer’s Edge!

I’ve partnered with Christina Fleck with the Barclay & Fleck Team to bring my Buyer’s Edge Strategy to her listing at 1 Sandy Point Ln, Unit 216 in Chesapeake.

What does that mean for buyers?
We’re combining seller credit + an additional lender credit from me to give qualified buyers more flexibility with their financing. 💰

That money can be used toward a 2-1 temporary rate buydown, closing costs, or a combination of both—and on this home, that means $11K Your Way! 👀

Check out the flyer to see what the financing could look like and how much the Buyer’s Edge could save you.

BUYERS: Interested in this home? Reach out and I’ll run the numbers based on your specific situation.

AGENTS: Have a listing that could use an EDGE? Buyer’s Edge gives my agent partners another way to market affordability, attract buyers, and help their listings stand out.

DM me “BUYER’S EDGE” and let’s see what we can build for your listing.

10/05/2026

🏡 Two more listings just got the Buyer’s Edge!

I’ve partnered with Alexis Lans Real Estate Specialist to bring my Buyer’s Edge Strategy to TWO of her listings—320 Hicks Ave in Norfolk and 121 Meadows Landing Ln in Suffolk.

What does that mean for buyers?
We’re combining seller credit + an additional lender credit from me to give qualified buyers more flexibility with their financing. 💰

That money can be used toward a 2-1 temporary rate buydown, closing costs, or a combination of both—helping make the numbers work a little harder for you.

And these two have some BIG Buyer’s Edge opportunities: $12K Your Way on Hicks Ave and $18K Your Way on Meadows Landing! 👀

Swipe through to see what the financing could look like!

BUYERS: Interested in either home? Reach out and I’ll run the numbers based on your specific situation.

AGENTS: Have a listing that could use an EDGE? Buyer’s Edge gives my agent partners another way to market affordability, attract buyers, and help their listings stand out.

DM me “BUYER’S EDGE” and let’s see what we can build for your listing.

10/05/2026

🏡 Two listings just got the Buyer’s Edge!

I’ve partnered with Shannon Limbaugh to bring my Buyer’s Edge Strategy to TWO of her listings—146 Pine St in Suffolk and 3501 Arlington Pl in Portsmouth.

What’s the Buyer’s Edge?
We’re combining seller credit + an additional lender credit from me to give qualified buyers more options to make their purchase more affordable.

That could mean using the available funds toward a 2-1 temporary rate buydown, closing costs, or a combination of both. 💰

Swipe through the flyers to see just how much of a difference the strategy could make on these two homes. 👀

BUYERS: Interested in either property? Reach out and I’ll run the numbers based on your specific situation.

AGENTS: Have a listing that could use an EDGE? Buyer’s Edge is something I’m offering to my agent partners to help market affordability, attract more buyers, and give your listing another way to stand out.

DM me “BUYER’S EDGE” and let’s see what we can build for your listing.

10/05/2026

Yes, rates are higher than many buyers would like. But there are some real advantages to today’s market that are worth considering:

🏡 More homes to choose from
💰 Less competition and fewer bidding wars
🤝 More room to negotiate
💵 Potential opportunities for seller-paid closing costs or a rate buydown
🔨 More homes with improvements already completed

And here’s something important to remember: the rate you get today doesn’t necessarily have to be the rate you keep forever. If rates improve in the future and your situation makes sense for it, refinancing may be an option.

Of course, buying a home should always make sense for your finances and your long-term plans. But if you’re financially ready to buy, don’t automatically rule it out just because rates are higher.

Sometimes, the right opportunity isn't about getting the perfect rate. It's about looking at the whole picture.

Want to talk through what buying could look like for you? I'm always happy to walk you through your options.