Melissa Alves helps home buyers and homeowners throughout California. Whether you are buying your first home, comparing FHA or VA options, or reviewing a refinance, you can work with her from anywhere in the state.

Statewide service

I serve clients across California, including the Central Valley, Bay Area, Sacramento region, Southern California, and communities throughout the state. Your financing choices depend on your goals, eligibility, the property, and underwriting. We can discuss pre-approval, estimated cash to close, monthly payment, and the steps from application through closing.

For purchases, compare conventional, FHA, and eligible VA financing. For existing homeowners, review refinance options against closing costs and the time you expect to keep the loan. Rates and terms change and are never guaranteed before an eligible lock and approval.