Your Dream Home Starts Here

Whether you're buying your first home or looking to refinance, our team is here to help you make the smartest move for your future.

California mortgage broker. California home financing.

Melissa Alves, NEXA Mortgage loan officer, helps first-time buyers, veterans, and homeowners compare purchase, refinance, FHA, VA, and home equity options. Serving all California.

Buy a home

From your first home to your next move, explore purchase financing and start your pre-approval journey.

Get started

Refinance your home

Review your current mortgage and compare options for your payment, loan term, and long-term goals.

Explore refinancing

Explore cash-out

Considering renovations or another major goal? Learn how a cash-out refinance could use your home’s equity.

View your options
Prefer to talk it through? Call Melissa · (209) 702-8480
Your home. Your next move.

Put your equity into perspective.

A cash-out refinance replaces your existing mortgage with a new loan. Melissa can help you compare the available cash, new payment, closing costs, and the impact on your current rate.

Explore cash-out refinancing

Prefer to explore a separate home equity line of credit? Learn how a HELOC works and review the application process.

Explore HELOC options

Make room for what’s next.

Start with a conversation about your home, your goals, and the options available to you.

Plan with confidence

Tools for your homeownership journey.

A few helpful places to start before you choose your next step.

Melissa Alves, NEXA Mortgage loan officer
Local guidance. More possibilities.

Meet Melissa Alves.

Your mortgage should fit your life. As a mortgage broker with NEXA Mortgage, Melissa helps you compare options from multiple lenders and understand your choices from pre-approval to closing.

Serving Modesto, the Central Valley, and homebuyers and homeowners across California.

Alves Mortgage Team · NMLS #1993867
NEXA Mortgage · NMLS #1660690
01 · LET’S TALK

Share your goals.

Tell us about your next move and the questions you want answered.

02 · COMPARE OPTIONS

Understand the numbers.

Review loan options, estimated payments, and costs with personal guidance.

03 · MOVE FORWARD

Take your next step.

Get support through the application, documentation, and closing process.

Ready to get started?

Let’s find a path that fits your homeownership goals.

Apply online

Loan options are subject to qualification, credit and property approval, and program requirements. Refinancing may increase total borrowing costs. Rates and programs are subject to change.

California mortgage guidance

Mortgage questions, answered.

Melissa Alves serves homebuyers and homeowners in Modesto, Stanislaus County, and communities throughout California. Online appointments are available.

How do I start buying my first home?

Start with a conversation about your budget, income, savings, and credit. Melissa can explain loan options and the documents needed for pre-approval. Explore first-time homebuyer financing →

Can I compare FHA, VA, and conventional loans?

Yes. Melissa helps you compare available programs, down payment options, mortgage insurance, estimated payments, and closing costs based on your qualifications. Learn about FHA loans or explore VA loans.

How can I get a personalized mortgage rate quote?

Your quote depends on the loan program, credit profile, property, down payment or equity, and other details. Ask for a quote that includes the interest rate, APR, points, and estimated costs. Request mortgage rate options →

Does refinancing make sense for my goals?

Compare your current loan with the proposed payment, term, closing costs, and total borrowing costs. Melissa can help you review refinancing and cash-out options. Explore California mortgage refinancing →

Questions? Call Melissa at 209-702-8480 or send a text. See California mortgage services →

Melissa Alves

Mortgage Loan Officer

NMLS #1993867

(209) 702-8480

malves@nexamortgage.com

0+
Happy Homeowners Served
0+
Successful Mortgage Closings
0%
Approval Rate for Qualified Applicant
$0M
Home Loans Funded

Be In Control of Your

Mortgage Credit Scores!

Own Your

Credit Scores

Experian, Transunion

& Equifax

Take Charge of Your
Mortgage Credit Score!

Own Your

Credit Scores

Experian, Transunion

& Equifax

What We Do

Our experienced Loan Officers will match your goals with multiple lenders that can

fulfil your needs. We help you chose the best rates and terms available.

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Unlike others, with only one product and one rate, as a Wholesale Broker, we represent 100+ Lenders. We can "shop around" your loan requirements to multiple lenders/banks simultaneously, and "lock in" the best rates and terms whenever you're ready.

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Unlike others, with only one product and one rate, as a Wholesale Broker, we represent 100+ Lenders. We can "shop around" your loan requirements to multiple lenders/banks simultaneously, and "lock in" the best rates and terms whenever you're ready.

Fast Funding

In many "competitive seller markets" speed in closing can mean the difference between getting your offer accepted or rejected. We have lenders with average "clear to close" times in 14 days. Get a Pre-Qualification letter from us before making an offer.

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Fast Funding

In many "competitive seller markets" speed in closing can mean the difference between getting your offer accepted or rejected. We have lenders with average "clear to close" times in 14 days. Get a Pre-Qualification letter from us before making an offer.

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

INDEPENDENT BROKER

We explore dozens of wholesale lenders to find the best fit for your specific needs.

PERSONAL ATTENTION

Our process is easy and transparent. Your complete satisfaction is our primary goal.

CUSTOMIZED LOAN

You choose the rate/fee structure that works best for you, not the loan officer.

What Our Clients Say About Us

★ ★ ★ ★ ★

Melissa Alves and her team were amazing throughout the refinance process! From start to finish, they made everything smooth, easy to understand, and stress-free. Melissa took the time to explain everything in detail, answered all my questions, and responded so quickly every time I reached out. I really appreciated how patient, professional, and supportive she was—especially during such a big financial decision. I’m so grateful for her help and would absolutely recommend her to anyone looking for a mortgage expert who truly cares about her clients. Thank you again, Melissa and team

Alyzza Rachel Alonzo
Alyzza Rachel Alonzo
24-07-2025
★ ★ ★ ★ ★

We had an excellent experience working with Melissa and her team! She was incredibly helpful throughout the entire mortgage process, always calming our nerves and explaining everything step by step. Her knowledge and patience made a huge difference, and we truly felt supported from start to finish. We couldn't have asked for a better broker and highly recommend her services to anyone looking for a smooth, stress-free experience

Xavier Bradley
Xavier Bradley
31-10-2024
★ ★ ★ ★ ★

Melissa is an incredibly loyal trustworthy professional! I have been beyond pleased and impressed with her commitment to her clients. Melissa was a true and continuous advocate for me and my family. Educating us even when others provided what appeared to be attractive offers, Melissa was quick to explain the good/bad of those offers. Always unbiased and with our best interest at heart. Providing details and comparisons to what was best for us, the pros and cons of different programs, long term and short-term benefits. Even openly acknowledging when another option was best at this time. I’m exited to start the process of a refinance in a few months already knowing we will be in good hands. Melissa does her job so well, there is no option but to do business with her. Thank you, Melissa, for the timely responses, visuals, reviews and education. You are awesome!

Julia Lugo
Julia Lugo
31-07-2024
LogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogo

Melissa Alves

1993867

NEXA Corporate Address

3100 W Ray Road #201 Office #209 Chandler, AZ 85226

Copyright ©2025 | Alves Mortgage Team

Licensed to Do Business | 1993867


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2025 | Alves Mortgage Team Powered by NEXA Mortgage


Corporate | NMLS ID NMLS# 1660690

Corporate Address : 3100 W Ray Road #201 Office #209 Chandler, AZ 85226

Corporate NMLS NMLS# 1660690 | Company Website: https://www.nexamortgage.com/

Melissa Alves

1993867

Address

3100 W Ray Road #201 Office #209 Chandler, AZ 85226

Social

Copyright ©2025 | Alves Mortgage Team

Licensed to Do Business | 1993867


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2025 |

Alves Mortgage Team Powered by NEXA Mortgage


Corporate | NMLS ID NMLS# 1660690

Corporate Address : 3100 W Ray Road #201 Office #209 Chandler, AZ 85226

Corporate NMLS NMLS# 1660690 Company Website: https://www.nexamortgage.com/