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I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass I have been working with Melina for last 4 years and she still amazed me with her customer service and her vast knowledge. She is over communicated and that is rare for lenders. The attention to details is top notch. Working with her is very pleasant. Looking forward to keep working with her in the upcoming years. OscarSaint Cloud, FL Aug 07
I have been working with Melina for last 4 years and she still amazed me with her customer service and her vast knowledge. She is over communicated and that is rare for lenders. The attention to details is top notch. Working with her is very pleasant. Looking forward to keep working with her in the upcoming years.
Rating: 5.0 out of 5.0 from Encompass The explanation of whole process from A-Z. The pacience to answer all my questions & concerns. ElizabethOcala, FL Jul 21
The explanation of whole process from A-Z. The pacience to answer all my questions & concerns.
Rating: 5.0 out of 5.0 from Encompass Working with Melina is always great, the level of communication and attention to detail is exceptional. The level of professionalism is amazing. Is a complete experience workinig with her. That is why she is my preferred lender. Oscar AllendeOcala, FL Jul 21
Working with Melina is always great, the level of communication and attention to detail is exceptional. The level of professionalism is amazing. Is a complete experience workinig with her. That is why she is my preferred lender.
Rating: 5.0 out of 5.0 from Encompass Thank you so much for all your help throughout this process. Your patience, professionalism, and dedication made everything so much easier for us. We truly appreciate all the time and effort you put into helping us every step of the way. Jonathan VladimirSaint Cloud, FL Jul 16
Thank you so much for all your help throughout this process. Your patience, professionalism, and dedication made everything so much easier for us. We truly appreciate all the time and effort you put into helping us every step of the way.
Rating: 5.0 out of 5.0 from Encompass Melina was absolutely outstanding throughout my clients' loan process. She was prompt, communicative, and kept everything moving at a fast pace. Her customer service was exceptional, and she made the entire transaction smooth and stress-free. I truly appreciated her professionalism and dedication, and I look forward to working with her again. Highl... CamilleSaint Cloud, FL Jul 15
Melina was absolutely outstanding throughout my clients' loan process. She was prompt, communicative, and kept everything moving at a fast pace. Her customer service was exceptional, and she made the entire transaction smooth and stress-free. I truly appreciated her professionalism and dedication, and I look forward to working with her again. Highl...
Rating: 5.0 out of 5.0 from Encompass Melina was super attentive and patient with us! She was amazing support and guidance throughout the process of buying our first home. Would definitely recommend! Sherlyn ClaribelWinter Haven, FL Apr 13
Melina was super attentive and patient with us! She was amazing support and guidance throughout the process of buying our first home. Would definitely recommend!
Rating: 4.8 out of 5.0 from Encompass Meli was always available to answers questions and was great at guiding us as to what would be our best options. She also did everything possible to allow our closing to happen in a short period of time Paola SolanoMiami, FL Mar 19
Meli was always available to answers questions and was great at guiding us as to what would be our best options. She also did everything possible to allow our closing to happen in a short period of time
Rating: 5.0 out of 5.0 from Encompass In an industry that lacks communication, I am very grateful I work with a lender that have the discipline to communicate and the patience to communicate absolutely everything. I always look forward to work with Melina! OscarInverness, FL Mar 13
In an industry that lacks communication, I am very grateful I work with a lender that have the discipline to communicate and the patience to communicate absolutely everything. I always look forward to work with Melina!
Rating: 5.0 out of 5.0 from Encompass From the moment we met Melina, we felt and knew we were in good hands. Prior to being introduced to her, it wasn't easy speaking to someone from AnnieMac, but that changed completely when she came into the picture. She was very was charasmatic, professional, understanding and extremely helpful. She educated us the whole way through on the process a... AlejandroMiami, FL Mar 06
From the moment we met Melina, we felt and knew we were in good hands. Prior to being introduced to her, it wasn't easy speaking to someone from AnnieMac, but that changed completely when she came into the picture. She was very was charasmatic, professional, understanding and extremely helpful. She educated us the whole way through on the process a...
Rating: 4.3 out of 5.0 from Encompass Communication must be better between all parties. Especially with you and the title company. This way you can relay the information with the client. If I hadn't gone with a local bank from there for the closing cost things wouldn't had gone how I had planned. The closing would had been a total disaster or may had not taken place on the date that i... TomasKISSIMMEE, FL Dec 27
Communication must be better between all parties. Especially with you and the title company. This way you can relay the information with the client. If I hadn't gone with a local bank from there for the closing cost things wouldn't had gone how I had planned. The closing would had been a total disaster or may had not taken place on the date that i...
Rating: 5.0 out of 5.0 from Encompass Everyone was awesome, and the process was quick and easy. Couldn’t have asked for a better experience! KiaraSaint Cloud, FL Oct 31
Everyone was awesome, and the process was quick and easy. Couldn’t have asked for a better experience!
Rating: 4.8 out of 5.0 from Encompass Very kind, and helpful thought the entire process. Patience L.Davenport, FL Sep 10
Very kind, and helpful thought the entire process.
Rating: 5.0 out of 5.0 from Encompass Exceeding my expectations!!! The Best Team!!! DenisePoinciana, FL Aug 03
Exceeding my expectations!!! The Best Team!!!
Rating: 5.0 out of 5.0 from Encompass Melina gave us timely updates and always ensured the buyer and us (buyers' agents) understood where we were in the process. She did an awesome job keeping the buyer calm and navigatin through a tricky transaction. Would highly recommend her and do business with her again!! LynneWinter Haven, FL May 13
Melina gave us timely updates and always ensured the buyer and us (buyers' agents) understood where we were in the process. She did an awesome job keeping the buyer calm and navigatin through a tricky transaction. Would highly recommend her and do business with her again!!