Melanie Prather

NMLS 1107502

3421 TULLY RD STE A, Modesto CA 95350

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My experience

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

How do you provide rate quotes for clients who want to protect their credit score?

I start by providing an estimated rate quote based on the information they share with me, credit score range, income, debts, and down payment.

What are your typical fees or lender costs?

I always provide a detailed loan estimate upfront so clients can clearly see all lender fees and third-party costs. Transparency is very important to me, and I review the loan estimate with my clients

Who do you love helping most, and how do you make the home loan process easier for them?

I am honored to help ALL people with their mortgage loan needs. Communication is key when shopping for the right lender to work with. Transparency is very important to me

How do you feel about clients starting the conversation before they’re ready to purchase?

I strongly recommend clients to ask as many questions as possible. The answers can help improve the approval and purchasing abilities

What should clients expect when working with you from start to finish?

I treat my clients like I would like my loved ones to be treated. I provide updates and clarity to all parties throughout the whole process