Melissa Loeffler
Vice President of Mortgage Lending

As Vice President of Mortgage Lending at Guaranteed Rate, Melissa brings almost thirty years of priceless experience and contacts to her position. Whereas many mortgage bankers come from associated fields, Melissa is a rare commodity having worked her way up through all aspects of the industry; from processor to underwriter to loan originator. Having been a real estate agent, she possesses a holistic perspective of real estate from each side of the table. This unique viewpoint allows Melissa to understand the nuances and peculiarities of every facet of a transaction. Because of this, Melissa’s knowledge is incomparable and as such, her reputation has earned her a steady stream of clients who typically become repeat clientele. Her reputation for accomplishing what other originators cannot is well-deserved. Raised in Bel-Air, Melissa is not only a true Angeleno, but exceptionally well connected because of it. Indeed, many of her friends from John Thomas Dye School, The Buckley School and UCLA remain close colleagues and referral sources. Although she continues to have her fair share of celebrity clients, foreign buyers and corporate clientele, Melissa maintains her passion to help everyone realize home ownership. Always taking an interest in her community, Melissa has been an active member of the Encino Chamber of Commerce, Co-Chair of the Disaster Preparedness Committee for Encino, and President of the Encino Chamber of Commerce where she served as an esteemed Board Member for ten years. In 2014, Melissa was recognized for her community service and was presented with one of the highest honors in the San Fernando Valley, the Tami Ginsburg Celebration of Service Award. She lives in Woodland Hills with her husband, daughter and rescue dog, Jack (aka Mr. Butterbutts).

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.