Buy a home
From your first home to your next move, explore purchase financing and start your pre-approval journey.
Get startedFrom your first home to your next move, explore purchase financing and start your pre-approval journey.
Get startedReview your current mortgage and compare options for your payment, loan term, and long-term goals.
Explore refinancingConsidering renovations or another major goal? Learn how a cash-out refinance could use your home’s equity.
View your optionsA 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 refinancingPrefer to explore a separate home equity line of credit? Learn how a HELOC works and review the application process.
Explore HELOC optionsStart with a conversation about your home, your goals, and the options available to you.
A few helpful places to start before you choose your next step.
Explore how home price, down payment, and interest rate affect an estimated payment.
Calculate your payment →Learn about purchasing a home and get guidance on preparing for pre-approval.
Start your home journey →Compare loan types and request a personalized quote for current rates and costs.
Explore rate options →Explore government-backed loan programs and discuss which may fit your situation.
Explore FHA loans →Explore VA loans →
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.
Tell us about your next move and the questions you want answered.
Review loan options, estimated payments, and costs with personal guidance.
Get support through the application, documentation, and closing process.
Let’s find a path that fits your homeownership goals.
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.
Melissa Alves serves homebuyers and homeowners in Modesto, Stanislaus County, and communities throughout California. Online appointments are available.
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 →
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.
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 →
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 →



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.



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

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

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!

1993867
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/
1993867
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/