Making Your Financial Dreams Come True
Your trusted partner in finding the perfect loan solution
About Melissa Hurtado
NMLS ID: 2142850 | CA - CA-DFPI2142850
With years of experience in the lending industry, Melissa Hurtado, also known as "The Loan Genie," has helped countless individuals and families achieve their dreams of homeownership and financial stability. Her commitment to personalized service and deep understanding of the loan process makes her a trusted advisor in the community.
Melissa specializes in finding the right loan products for each client's unique situation, whether you're a first-time homebuyer, looking to refinance, or need a personal loan for life's unexpected moments.
Loan Tips & Insights
Helpful videos to guide you through the loan process
Loan Solutions For Every Need
From first-time buyers to seasoned investors, I have the right product for you
My Specialty Products
For Buyers
Helping first-time and repeat buyers find the perfect financing solution for their dream home.
- First-time homebuyer programs
- FHA, VA, USDA loans
- Down payment assistance
- Competitive rate options
For Investors
Maximize your investment potential with specialized financing for rental properties and flips.
- Investment property loans
- Fix-and-flip financing
- Portfolio analysis
- 1031 exchange expertise
Other Products I Can Help You With
Down Payment Assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments.
Learn MoreLow Down Payment Loans
VA loans, FHA loans, and USDA loans with 0-10% down payment requirements for eligible borrowers.
Learn MoreVeteran Loans
Military service members can build equity through real estate at a lower cost with VA loans.
Learn MoreBank Statement Loans
Self-employed? Get a home loan without tax returns, W2s or pay stubs using bank statements.
Jumbo Loans
Perfect for larger properties or luxury homes in high-end real estate markets.
Learn MoreLock 'N' Roll
Lock in a rate for 60-90 days without a signed contract. Secure a lower rate while house shopping.
Learn MoreAccelerated Timelines
Same-Day program gets your loan approved in one day with options as little as 3% down.
Learn MorePhysician Loans
Special programs for medical professionals with paid mortgage insurance and as little as 5% down.
Learn MoreForeign National Loans
Not a US Citizen? Loans available without SSN, green card, or visa. No FICO score required.
Reverse Mortgages
For homeowners over 62 needing additional income to supplement retirement or pay for care.
Learn MoreFrequently Asked Questions
While requirements vary by loan type, most conventional loans require a minimum credit score of 620. FHA loans may accept scores as low as 580, and VA loans often have more flexible requirements. Contact me for a personalized assessment.
Down payments can range from 0% for VA loans to 3-5% for conventional loans. FHA loans typically require 3.5% down. There are also various down payment assistance programs available. Let's discuss your specific situation.
Typically you'll need: 2 years of tax returns, 2 months of bank statements, recent pay stubs, and identification. Self-employed borrowers may need additional documentation. I'll provide a personalized checklist.
The average loan process takes 30-45 days from application to closing. This can vary based on loan type, documentation, and current market conditions. I keep you updated every step of the way.
Absolutely! Getting pre-approved is strongly recommended before you start looking at homes. It shows sellers you're serious and helps you understand your budget. Contact me to start the pre-approval process today.
Testimonials
Client testimonials coming soon...
Get In Touch
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