Melonny Thompson - NMLS 1033736

5.0 star review received on Experience.com for Melonny Thompson by Shawn M - From start to finish everything was done as promised in a timely manner.

New ★★★★★ 5 Star Experience.com Review by Shawn M Click to see all 230 reviews of Melonny Thompson, Loan Officer

4.75 star review received on Experience.com for Melonny Thompson by Bianca L - Melonny was able to find a lender to lend to a family who really needed a home. Aside from that she really brought the deal together by getting all transaction entities to communicate with one another. Thank you Melonny!

New ★★★★★ 4.75 Star Experience.com Review by Bianca L Click to see all 229 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Goldie K - I didn’t have to tell you how to do your job. Your team had things handled and had answers before I asked questions.
You answered the phone. You followed up with all my texts. Good customer service from everyone. The appraiser didn’t linger or delay us. The only hang up we had was my insurance co /state of California , and you jumped in with a letter to them to speed things along while on vacation.
Thank you for your professionalism, you and team were great.

New ★★★★★ 5 Star Experience.com Review by Goldie K Click to see all 227 reviews of Melonny Thompson, Loan Officer

FAMP (Florida Association of Mortgage Professionals) put on a great show last week! Ran into old friends, spent time with trusted lending partners and learned about new programs that will blow your mind! 🤯Opportunities are abundant to achieve your real estate goals! 🏠🤩💰
Call me to find out more..
mortgagesbymel.com
United Direct Lending

5.0 star review received on Experience.com for Melonny Thompson by Wendee C - Great customer service and very responsive to requests and questions. Expert knowledge of the process and best ways to handle issues.

New ★★★★★ 5 Star Experience.com Review by Wendee C Click to see all 227 reviews of Melonny Thompson, Loan Officer

4.75 star review received on Experience.com for Melonny Thompson by Mark R - Helpful staff

New ★★★★★ 4.75 Star Experience.com Review by Mark R Click to see all 225 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Edward V - Melonny is great, patient and knows her craft! She did what others couldn’t and wouldn’t! She’s a rockstar.

New ★★★★★ 5 Star Experience.com Review by Edward V Click to see all 225 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Michelle M - It’s always a pleasure to work with Melonny! She is prompt, professional, available, a great communicator and goes above and beyond for her clients!

New ★★★★★ 5 Star Experience.com Review by Michelle M Click to see all 224 reviews of Melonny Thompson, Loan Officer

4.75 star review received on Experience.com for Melonny Thompson by Caleb C - Good communication

New ★★★★★ 4.75 Star Experience.com Review by Caleb C Click to see all 223 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Kathy C - Melonny is wonderful to work with. She directed us to the best mortgage option to fit our needs.

New ★★★★★ 5 Star Experience.com Review by Kathy C Click to see all 222 reviews of Melonny Thompson, Loan Officer

What are Shared Equity Agreements?
Struggling with a down payment? Shared Equity Agreements might be your anwer. Think of them as the cool cousin of mortgages! Instead of shouldering all the debt yourself, you partner with an investor who shares in the property’s equity. It’s like having a co-pilot on your homebuying journey! 🏡
Why go solo when you can have a buddy, a significant other, or a family member to share the load (and the profits)? With a shared equity agreement, you get financial help without the heavy loan burden. Curious how it works? Let’s break it down:
✔️ You and an investor both chip in for the down payment.
✔️ You live in and take care of the home.
✔️ When you sell, you both share the profit (or loss).
It’s a win-win, especially if you’re short on cash but big on dreams.
Ready to take the plunge into homeownership? Don’t let the down payment or interest rates hold you back. Comment the word “READY”, and I’ll take it from there!
💾 Save for future reference. Share it with anyone you know who might benefit from this info.
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5.0 star review received on Experience.com for Melonny Thompson by Kaylee B - Made the experience smooth and easy!

New ★★★★★ 5 Star Experience.com Review by Kaylee B Click to see all 220 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Michael P - Melonny looked for all of the angles to make sure the loan we needed was approved. She was always available no matter what we needed. Not only was awesome to work with but her knowledge of the industry and professionalism were unmatched. Highly recommend.

New ★★★★★ 5 Star Experience.com Review by Michael P Click to see all 219 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Justin H - Amazing customer focus and attention

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5.0 star review received on Experience.com for Melonny Thompson by Richard A - From the very beginning of the mortgage process, Melonny exhibited a remarkable level of professionalism, expertise, and dedication that truly set her apart and made my experience exceptional.

Melonny’s extensive knowledge and experience in the mortgage industry were evident from our initial consultation. She took the time to thoroughly explain all my loan options, ensuring I fully understood the details and implications of each choice. Her ability to break down complex financial concepts into easily digestible information was incredibly helpful and put me at ease.

One of the most impressive aspects of working with Melonny was her exceptional communication skills. She maintained consistent and clear communication throughout the entire process, promptly returning calls and emails, and keeping me informed at every step. This level of responsiveness was crucial in making the process smooth and stress-free, as I always felt up-to-date and confident in the progress being made.

Melonny’s proactive approach to managing the loan process was also noteworthy. She diligently followed up on all necessary documentation and ensured that all deadlines were met without any issues. Her attention to detail and thoroughness in handling my application were commendable and significantly contributed to the seamless ex*****on of my loan.

New ★★★★★ 5 Star Experience.com Review by Richard A Click to see all 217 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Samuel E - Very helpful and straightforward which made the process smooth. I am definitely going to return for my next mortgage. Would highly recommend to friends and family.

New ★★★★★ 5 Star Experience.com Review by Samuel E Click to see all 216 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Marc R - Melonny is amazing!

New ★★★★★ 5 Star Experience.com Review by Marc R Click to see all 215 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Taylor D - Thank you very much Melonny!! My husband, Sam, and I were mentally checked out with purchasing our home with our previous lender. You came in with a game plan and succeeded! You’re very clear in communication and you get the job done with many avenues of thought processing towards a solution. We’re very grateful, thank you!!

New ★★★★★ 5 Star Experience.com Review by Taylor D Click to see all 212 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Gabriel C - Melonny and her staff were supportive and devoted to meet my need. Thank you again!

New ★★★★★ 5 Star Experience.com Review by Gabriel C Click to see all 210 reviews of Melonny Thompson, Loan Officer

5.0 star review received on Experience.com for Melonny Thompson by Nora A - Melonny is extremely knowledgeable, efficient and educated in the loan process and was able to work a miracle in getting my loan approved, funded & closed in under 30 days. Very enjoyable experience and would highly recommend.

New ★★★★★ 5 Star Experience.com Review by Nora A Click to see all 207 reviews of Melonny Thompson, Loan Officer

We had a blast recording HOT TOPICS ON ALL ASPECTS OF PURCHASING A HOME for ! Enjoyed sharing the stage with my trusted industry partners Bridget Whitelock Neumann (Insurance) and Laura Bohannon-Myers (Realtor) while being interviewed by our amazing client and 9x EMMY award winner reporter, Michael Paluska. I will share the story with you as soon as it is ready!!

POV: This home has been sitting on the market for over a month
Here’s what I would do…
📌 SAVE this first so you don’t lose it!
So…What do you do If you see a home sitting on the market for more than 30 days? Some sellers might be getting anxious, but I’ve got a savvy tip for buyers to capitalize on this shift.
Here’s a clever approach: Instead of just offering less, why not play it smart with your offer? If you’re like many buyers who prioritize monthly payments, here’s a tactic that could work in your favor:
Instead of offering, say, $390K on a $400K home, consider proposing the full price but request $10K back for a concession for buying down your rate. This could lower your monthly payments significantly—think about reducing them by about $150-$200/mo. Plus, this can save you a substantial amount over the lifetime of the loan in interest.
Knowledge is power. Feel free to get in touch if you want to explore how this strategy could work for you! Be sure to 💌SHARE with someone who can benefit from this info.

Take your pick – country or city?
An important question to ask, especially when investing in a long-term commitment…Do you prefer the quiet mornings of melodic songbirds, surrounded by nature – with open space and time spent on the front porch reading your favorite book… 🍃📖 ..Or do you want to reside in a place with convenient access to amenities and early-morning coffee shops – with lots of activities a city offers?
There are so many things to take into consideration when making this type of decision – each with its own set of pros and cons…each to be considered wisely and chosen carefully. 🤔 Call me to finance your investment or vacation home today! Mortgagesbymel.com
What do you prefer? 👇👇

This is how to make the mortgage process work for you, not against you! 🏠
Ever feel like the mortgage process is a game where the rules keep changing? It’s like trying to hit a moving target while blindfolded, right? But what if I told you it doesn’t have to be that way?
Here’s how to flip the script and make the mortgage process work for YOU:
1️⃣ Leverage Tax Deductions: If you’re self-employed, strategically managing your tax deductions can show more income to lenders. Sometimes, it’s worth paying a bit more in taxes to qualify for a better mortgage.
2️⃣ Optimize Your Credit Utilization: Work on maintaining a credit utilization ratio under 30%. It’s not just about paying bills on time; it’s about showing lenders you’re savvy with the credit you already have.
3️⃣ Understand Loan Types: Not all mortgages are created equal. From FHA loans to adjustable-rate mortgages, know which type fits your lifestyle and financial health the best.
4️⃣ Negotiate Closing Costs: Yes, you can negotiate these! Some lenders offer credits or will waive certain fees for individuals with strong financial profiles.
5️⃣ Pre-Approval Power: Walking into home shopping with a pre-approval letter not only gives you a budget but also shows sellers you’re serious and reliable, giving you a competitive edge.
Turning the mortgage process in your favor is all about strategy, preparation, and knowing where you can flex your financial muscles. Slide into my DMs or drop a “START” in the comments if you’re ready to take charge of your mortgage journey! Don’t forget to SAVE 📌 this for later and follow for your daily mortgage tips.

Getting you Approved is what I do
Turning your home dreams into ‘Approved’ realities is what I live for! 🏡 From the moment you start dreaming of a new home to the second you get your approval, I’m here to navigate the maze of mortgage paperwork and underwriting guidelines. There is a reason I’ve been referred to as “Magic Mel” by many who were declined by other lenders! 🤩
Let’s leave the ‘almosts’ and ‘maybes’ in the dust and move you into the ‘definitely approved’ lane. Because making your homeownership dreams come true? That’s exactly what I do.
If you’re ready to start this journey, there’s only one thing left to do: Comment ‘READY’ below! Let’s make those home dreams a reality together ✨

From dreaming to owning: Kickstart your mortgage journey this May!
May I interest you in some mortgage magic as we step into this fabulous new month? 🌟🏡 May is all about fresh starts and blossoms, and guess what? Your home buying journey can bloom just as beautifully!
Let’s make this May memorable by getting you pre-approved faster than flowers popping up in Spring. Whether you’re a first-time buyer or looking to refi, I’ve got the green thumb to help your dreams grow.
Comment the word “START” and let’s talk homes, loans, and how to make your May truly magical!

How much of your income should go towards the mortgage? 🏠💵
Ever wonder how much of your paycheck should really go towards your mortgage?
It’s the million-dollar question (or, more realistically, the couple-thousand-dollar question). My advice is to keep your mortgage payment at or below 30% of your gross monthly income. Why? It’s all about balance. This golden rule helps ensure you’ve still got enough for the other joys and necessities of life.
So, let’s chat numbers and find that sweet spot for your dream home and lifestyle!

A Negative mind will never give you a positive Life. Today is your opportunity to build the tomorrow you want! 🏠🤩
Remember….Every step towards tomorrow’s finish begins with a single thought of what you wish to accomplish, Today!

First time Homebuyers! Congratulations Joevani & Sophia! 🏠🎉 Working with kind people like you and allowing me to help turn your dream into reality fills me with the greatest joy. Thank you Realtor, Shane Riley for your trust and partnership.

Ever stumbled upon ‘Inspection Contingency’ in the maze of mortgage terms and felt a bit lost? It’s actually your home-buying superhero cape in disguise!
This clause in your contract means you get the time to inspect the property and ensure everything’s up to s***f before fully committing. 🏡✨ No surprises, no sudden expenses for repairs you didn’t sign up for. It’s all about making an informed decision and protecting your investment. Think of it as your personal safety net!
Ready to dive deeper into the world of smart home buying? Let’s decode more mortgage lingo together 😉 SAVE this for later and follow for your daily mortgage tips.