Your rate and APR are personalized. Request a quote for current pricing, costs, and a payment estimate.
Spread repayment over a longer term with a fixed interest rate. Compare down payment options and mortgage insurance costs.
A shorter term can help you build equity faster and pay less total interest. Compare the monthly payment with a longer term.
Explore FHA financing for a home purchase or eligible refinance. Compare mortgage insurance, upfront costs, and your total payment.
Home financing for eligible veterans, service members, and surviving spouses. Melissa can help you review your VA loan options.
Financing for loan amounts above the applicable conforming loan limit. Compare available terms and lender requirements.
Melissa Alves with NEXA Mortgage helps California homebuyers and homeowners compare financing around their goals and budget.
This page does not display a live rate feed. Quotes are subject to change and are not a commitment to lend. Qualification, credit and property approval, and program requirements apply.
Try different home prices, down payments, and interest rates with our mortgage calculator.
Understand the numbers before you choose a loan.
Market conditions, your credit profile, loan type and term, down payment or equity, property use, loan amount, and rate lock period can affect pricing. A personalized quote uses the details of your situation.
The interest rate is the cost of borrowing, expressed as a percentage. APR is a broader annual measure that includes the interest rate and certain loan charges, such as points and lender fees. Compare both along with the full Loan Estimate.
Discount points are upfront charges paid in exchange for a lower interest rate. The rate reduction varies by lender and market conditions. Compare the upfront cost with your potential savings and how long you expect to keep the loan.
An unlocked rate can change with market conditions. A rate lock generally protects the quoted rate for a specified period under the lender's terms. Ask Melissa about the expiration date, conditions, and any extension costs.
Compare Loan Estimates using the same loan amount, loan type, term, and similar lock periods. Review interest rate, APR, points, lender credits, closing costs, mortgage insurance, and the total monthly payment, including taxes and insurance.
Start with the short form below, or call or text Melissa at 209-702-8480.
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/
