Melissa Leyva - Loan Officer, NMLS #:1798265

Melissa Leyva - Loan Officer, NMLS #:1798265 One of my main goals is to help my buyers accomplish their dream of becoming homeowners.

DSCR Loan: What Is It & Who Is It For? 🏡✨If you’re an investor, you may not need to qualify for a mortgage using your pe...
06/17/2026

DSCR Loan: What Is It & Who Is It For? 🏡✨

If you’re an investor, you may not need to qualify for a mortgage using your personal income.

A DSCR (Debt Service Coverage Ratio) loan allows lenders to qualify you based on the income the property generates rather than your W-2s or tax returns.

This loan may be a great option for real estate investors, self-employed borrowers, and those looking to grow their rental portfolio. 🔑

Benefits may include:
• No W-2s required
• No tax returns required in many cases
• Qualification based on rental income ✨

The property’s cash flow does the talking. 📈🤍

Interested in purchasing an investment property? Send me a message to learn more about your financing options. 📲

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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🏡 Thinking about buying a home but worried about the down payment?The CalHFA MyHome Assistance Program may be able to he...
06/12/2026

🏡 Thinking about buying a home but worried about the down payment?

The CalHFA MyHome Assistance Program may be able to help eligible buyers with down payment and closing costs, making homeownership more accessible than you think.

✨ Benefits may include:
• Assistance with your down payment
• Help with closing costs
• Available for eligible first-time homebuyers
• Can be combined with certain CalHFA loan programs

Every buyer’s situation is different, so it’s important to explore your options and create a plan that works for you.

Send me a DM with the word “HOME” or call 559.802.6477 today to see what loan options may be available to you.🏡

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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🏡✨ Just Funded! ✨🏡Another successful closing in the books! 🎉🔑Congratulations to our buyers on funding their beautiful ne...
06/10/2026

🏡✨ Just Funded! ✨🏡

Another successful closing in the books! 🎉🔑

Congratulations to our buyers on funding their beautiful new home. Helping families achieve homeownership is always an honor, and we’re grateful to have been part of this exciting journey from start to finish.

This was not an easy file, but we never gave up. Through every challenge and obstacle along the way, we stayed committed to finding solutions and getting our clients to the finish line. Seeing our clients receive the keys to their new home made it all worth it. 🤍🏡

Homeownership is possible with the right team, persistence, and a solid plan.

Thinking about buying a home? Let’s connect, explore your options, and create a path toward your homeownership goals. ✨🏠

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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‼️One of the biggest myths about buying a home is that you need a huge down payment.‼️With a Conventional Loan, many fir...
06/05/2026

‼️One of the biggest myths about buying a home is that you need a huge down payment.‼️

With a Conventional Loan, many first-time homebuyers may qualify with as little as 3% down!

That means if you’re waiting years to save up 20%, you could be delaying your homeownership goals unnecessarily.

Benefits of a Conventional Loan:
✅ As little as 3% down for qualified first-time buyers
✅ Competitive interest rates
✅ Flexible loan terms
✅ Available for primary residences, second homes, and investment properties

Every buyer’s situation is different, which is why it’s important to explore your options and find the loan program that fits your goals.

Ready to see if you qualify for a Conventional Loan with as little as 3% down?

Don’t let the down payment myth hold you back from becoming a homeowner. Send me a DM with the word “HOME” or call 559.802.6477 today to see what loan options may be available to you.🏡

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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🏡✨ Just Funded! ✨🏡Another successful closing in the books! Congratulations to our buyers on the funding of their beautif...
06/03/2026

🏡✨ Just Funded! ✨🏡

Another successful closing in the books! Congratulations to our buyers on the funding of their beautiful new home. 🎉🔑

It was an honor helping make homeownership possible and guiding them through the financing process from start to finish.

A huge shoutout to Trini Diaz, the amazing buyer’s agent, for her dedication, communication, and commitment to helping our clients find the perfect home. 🤍🏡 Teamwork truly makes the dream work!

Thinking about buying a home? Let’s talk about your options and create a plan to get you there. ✨

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Helping my clients become homeowners will always be one of the best parts of what I do.✨Thank you so much for trusting m...
05/29/2026

Helping my clients become homeowners will always be one of the best parts of what I do.✨

Thank you so much for trusting me through such an important milestone. From beginning to end, my goal is always to make the home-buying process feel smooth, supported, and stress-free.🏡

I’m so grateful to have been part of your journey.

Message me today to begin your home buying journey and get pre-approved. 📲

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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FHA loans are one of the most popular loan options for first time homebuyers because they can make the path to homeowner...
05/27/2026

FHA loans are one of the most popular loan options for first time homebuyers because they can make the path to homeownership feel a little more achievable🏡✨

Here are a few reasons why buyers look into FHA loans:
• lower down payment options
• more flexible credit guidelines
• competitive interest rates
• gifted funds may be allowed for down payment or closing costs
• great option for many first time buyers depending on qualifications

A lot of people assume they need perfect credit or 20% down to buy a home, but that is not always the case 👏🏼

Every buyer’s situation is different, which is why it’s important to talk with a loan officer to see what options may work best for you.

If buying a home has been on your mind, this could be your sign to start asking questions and exploring your options 🤍

DM me “FHA” to learn more or get started.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Thinking about using a VA loan? 🇺🇸🏡VA loans are designed to help eligible veterans, active-duty service members, and mil...
05/22/2026

Thinking about using a VA loan? 🇺🇸🏡

VA loans are designed to help eligible veterans, active-duty service members, and military families become homeowners with benefits that can make the process more affordable.

Here are 4 major perks of VA loans:
• 0% down payment options
• No monthly PMI
• Competitive interest rates
• Flexible qualifying guidelines

For many buyers, this can mean lower upfront costs and a more affordable monthly payment compared to other loan programs. 🤍

Want to learn more about VA loan eligibility or the home buying process? Send me a message! ✨

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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What is a HELOC? 🏡A HELOC (Home Equity Line of Credit) allows homeowners to borrow against the equity they’ve built in t...
05/21/2026

What is a HELOC? 🏡

A HELOC (Home Equity Line of Credit) allows homeowners to borrow against the equity they’ve built in their current home. Equity is the difference between what your home is worth and what you still owe on your mortgage.

Many homeowners use a HELOC to:
• Help with a down payment on another home
• Purchase an investment property
• Remodel or upgrade a home
• Consolidate debt
• Cover large expenses

For buyers who already own a home, a HELOC can be a way to use the value in your current property instead of waiting to save more cash upfront.

Every situation is different, but exploring your equity options could open more doors than you think. ✨

DM me “HELOC” if you want to learn how it works and see if it may be a good option for you.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Have questions about the home loan process? You’re not alone. 🏡A loan officer is here to guide you through every step, f...
05/15/2026

Have questions about the home loan process? You’re not alone. 🏡

A loan officer is here to guide you through every step, from understanding your options to helping you feel confident during the application process.

Whether you’re buying your first home, refinancing, or just exploring your options, having the right guidance can make all the difference. ✨

Message me today to begin your home buying journey and get pre-approved. 📲

Hablo Español.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Address

Visalia, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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