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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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, Inc. and are subject to change without notice. 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).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.