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.

Getting you approved is only part of what I do. 🏡✨My goal is to help you understand your loan options, your monthly paym...
09/04/2026

Getting you approved is only part of what I do. 🏡✨

My goal is to help you understand your loan options, your monthly payment, closing costs, and the full financial picture so you can move forward with confidence.

I don’t just want to help you get the keys — I want to help you choose a loan that makes sense for your life after closing too. 🤍

Thinking about buying? Let’s talk about your options!

📲 Let’s talk!

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Nothing raises a loan officer’s heart rate faster than hearing one of these right before closing 😅🏡Big financial changes...
09/02/2026

Nothing raises a loan officer’s heart rate faster than hearing one of these right before closing 😅🏡

Big financial changes can impact your loan, so always check with your lender before switching jobs, financing a car, opening new credit, or making major money moves.

I’m here to guide you every step of the way and make the process as smooth as possible 🤍🔑

Ready to get pre-approved? Let’s chat!

📲 Ready to learn where you stand? Let’s talk!

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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09/01/2026

🏡✨ What do you need to qualify for an FHA loan?

FHA loans can be a great option for first-time homebuyers — and you may be surprised by how achievable homeownership can be! 🔑

Here are some of the basics:

💰 As little as 3.5% down with qualifying credit
📊 Flexible credit requirements
💼 Stable & verifiable income/employment
🏦 Funds for your down payment & closing costs (gift funds may be allowed!)
🏠 The home must be your primary residence
📄 Debt-to-income and other FHA guidelines apply

You do NOT need perfect credit or 20% down to become a homeowner! 🙌🏼

Every buyer’s situation is different, so the best first step is getting pre-approved and seeing what you qualify for.

📲 Ready to find out if FHA is right for you? Let’s get you pre-approved!

Melissa Leyva | Mortgage Loan Officer
NMLS #1798265
Licensed in California 🇺🇸
English & Spanish 🗣️

Forget flowers… give me a down payment and a set of house keys. 😂🏡FHA financing may allow qualified buyers to purchase w...
08/28/2026

Forget flowers… give me a down payment and a set of house keys. 😂🏡

FHA financing may allow qualified buyers to purchase with as little as 3.5% down, which means homeownership could be closer than you think.

Not sure what you qualify for? That’s what I’m here for. Let’s talk about your credit, budget, and loan options so we can create a plan that works for you. ✨

📲 Ready to learn where you stand? Let’s talk!

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Sometimes the only thing standing between you and homeownership is knowing where you actually stand. 🏡✨Homebuyer educati...
08/26/2026

Sometimes the only thing standing between you and homeownership is knowing where you actually stand. 🏡✨

Homebuyer education matters. You don’t have to wait until you think you’re “fully ready” to speak with a lender. Getting educated early can help you understand:

• What loan programs may be available to you
• How your credit can affect your options
• How much you may need for a down payment and closing costs
• What price range may fit your budget
• What steps you can start taking now to prepare

You don’t need perfect credit, a huge down payment, or every detail figured out before reaching out. Sometimes a simple conversation can show you that you’re only a few steps—or a few months—away. 🤍

📲 Ready to learn where you stand? Let’s talk!

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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08/24/2026

🏡 Think you need 20% down to buy a home? Think again!

One of the biggest misconceptions I hear is that you need 20% down to become a homeowner — but that’s not always the case! 🔑

Depending on the loan program and your qualifications, there may be options with:

✨ 3% down — Conventional
✨ 3.5% down — FHA
✨ 0% down — VA or USDA for eligible buyers
✨ Down payment assistance programs may also be available

Don’t let the idea of needing a huge down payment stop you from exploring homeownership. You may be closer than you think! 🏠🤎

📲 Let’s talk about your options and find out what you may qualify for.

Loan programs, eligibility, and down payment requirements vary. Not all borrowers will qualify.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Getting pre-approved should be one of your first steps when preparing to buy a home. 🏡A pre-approval helps you:• Underst...
08/21/2026

Getting pre-approved should be one of your first steps when preparing to buy a home. 🏡

A pre-approval helps you:

• Understand your realistic price range
• Estimate what your monthly payment could look like
• Learn which loan options may work for you
• Identify anything that may need attention before you start shopping
• Show sellers that you’re a serious and prepared buyer

There’s nothing worse than falling in love with a home only to find out it doesn’t fit your financing.

Pre-approval first. House hunting second.

Not sure where to start? Connect with a trusted lender and Realtor so you can create a homebuying plan that makes sense for you. 🔑

📲 DM me to get started with your pre-approval.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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Kinda chic to make homebuying moves with a plan. 💅🏻🏡✨You don’t need perfect credit, you don’t always need 20% down, and ...
08/20/2026

Kinda chic to make homebuying moves with a plan. 💅🏻🏡✨

You don’t need perfect credit, you don’t always need 20% down, and you definitely don’t have to figure it all out alone.

Getting pre-approved can help you understand:
✨ What you may qualify for
✨ What monthly payment fits your budget
✨ Which loan options may work for you
✨ What steps to take next

Thinking about buying? Let’s talk before you start house hunting. 💻🔑

📲 DM me to get started with your pre-approval.

🙋🏻‍♀️Melissa Leyva
🏡Loan Officer
🔵Empower Home Loans
🏡NMLS #1798265
🗣️Hablo Español
☎️559.802.6477
📧[email protected]
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08/18/2026

Your first home doesn’t have to be your dream home. 🏡✨

Sometimes, your first home is simply the first step toward building wealth through real estate.

Buy the home that makes sense for you today. Live in it, build equity, and as life changes, that home may eventually become your first investment property while you move on to your next home. 🔑📈

Homeownership isn’t always about starting with the “forever home”—it’s about getting started and creating opportunities for your future.

Ready to see what buying your first home could look like? Let’s get you pre-approved! 🤍

📲 Melissa Leyva
Mortgage Loan Officer | NMLS #1798265
English & Spanish
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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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