We found Melanie through an online source a number of years ago when relocating from another state. We have used her for multiple real estate transactions since that time. She is knowledgeable and professional. She works carefully and diligently to help buyers improve their credit, find the loans that work best for them, and complete their transactions as smoothly and painlessly as possible. She is always helpful with answering questions and finds resolutions for “bumps in the road” during the process. We highly recommend Melanie and Mortgage Equity Team!

I first met Melanie in march 2014 after we had relocated to Lynchburg Va. to be near our daughter for our twilight years. I am a member of the Navy Federal Credit Union and I approached them to help me with a loan. Sure enough they would give me a 3% loan and it would only cost me $7,500 dollars at closing which would save me $80.00 a month on the mortgage payment. Sounds good doesn’ It. My daughter said you need to call Melanie she has helped me to save thousands of dollars with investment planning. So I did. Wow was I surprised. She did the math and showed that if we finance the loan at 4.5% the bank would pay me $44.16 at closing saving me the $7,500 dollars. Wahoo time to buy a newer used car. Time marches on to September 2018 and I am now 72 years young. A new lender has assumed my loan and and they tell me i have $12,800 equity in the house. So i start the process and they are pleased and proud to give me a rate of 5.25 % rate on the new loan. That seems a little high so I call Melanie. She laughs and says we will refinance at 4.5% which means I will get $15,300 vice the other amount. Basically they are stealing $3,000 dollars of my equity. The moral of the two tales is lenders are in the business to make money not to help you. What I like about Melanie is she will always work the deal to get me the maximum amount of money for me. Yeaa!!!