Melissa Alves, Mortgage Loan Officer

Melissa Alves, Mortgage Loan Officer NEXA Mortgage is dedicated to making sure your home purchase or refinance experience is educational, stress-free, and straightforward.

I will look over your budget, income, and savings, helping you get a clear picture of of the mortgage process.

Looking to buy or refinance your home? We can find you the best interest rates and program for you 🏡. ...
04/13/2026

Looking to buy or refinance your home? We can find you the best interest rates and program for you 🏡.

Think you need perfect credit to buy a house? Think again. 👀✔ FHA – as low as 500 up to 579 with 10% down payment and 58...
04/10/2026

Think you need perfect credit to buy a house? Think again. 👀

✔ FHA – as low as 500 up to 579 with 10% down payment and 580+ with a 3.5% down payment
✔ Conventional – 620+
✔AND &- 500+

I am available to help!
03/07/2026

I am available to help!

🚫 Mortgage Myths — BUSTED 🏡💥❌ “You need 20% down to buy a home”✅ Many buyers qualify with as little as 3–5% down❌ “My cr...
03/05/2026

🚫 Mortgage Myths — BUSTED 🏡💥

❌ “You need 20% down to buy a home”
✅ Many buyers qualify with as little as 3–5% down

❌ “My credit has to be perfect”
✅ There are loan options for average credit

❌ “I should wait for rates to drop”
✅ You can buy now and refinance later

❌ “Self-employed buyers can’t qualify”
✅ Bank statement & alternative income loans exist

❌ “Pre-approval hurts your credit”
✅ One mortgage inquiry has minimal impact

💡 The biggest myth?
That buying a home is out of reach.

📲 Let’s review your options and see what you qualify for.

Benefits of working with a mortgage broker to purchase or buy a home? 🏡🏦 Access to multiple lenders📊 Competitive pricing...
03/04/2026

Benefits of working with a mortgage broker to purchase or buy a home? 🏡

🏦 Access to multiple lenders
📊 Competitive pricing
🧩 Custom loan solutions
💡 Guidance through every step

We compare — you save time and money.

Let’s build the right mortgage strategy for you.

💰Sitting on equity? Access Your Home Equity Without RefinancingYour home could be your smartest financial tool in 2026.U...
03/02/2026

💰Sitting on equity? Access Your Home Equity Without Refinancing

Your home could be your smartest financial tool in 2026.

Unlock cash for:
✔Home Renovations
✔Debt Consolidation
✔Investment Property
✔Emergency Fund

Flexible access. Only pay on what you use.
No need to refinance your low rate.

Not sure if refinancing is right for you? 🤔Let’s review your mortgage and see if it makes sense for your goals.Message m...
02/26/2026

Not sure if refinancing is right for you? 🤔
Let’s review your mortgage and see if it makes sense for your goals.
Message me anytime!

🏠 Rent vs. Buy: What’s the REAL Difference?🏡 Buying✔ Builds equity every month✔ Fixed payment options✔ Long-term wealth ...
02/05/2026

🏠 Rent vs. Buy: What’s the REAL Difference?
🏡 Buying
✔ Builds equity every month
✔ Fixed payment options
✔ Long-term wealth building
✖ Higher upfront costs
✖ Maintenance responsibility

💸 Renting
✔ Lower upfront cost
✔ Flexibility to move
✖ Rent increases
✖ No equity (your payment is gone)

📊 The truth:
Renting can be cheaper short-term.
Buying usually wins long-term.

💬 Want to know which makes sense for YOU?
Comment RENT or BUY and I’ll run your personalized comparison 👇

🏡 Did you know your home equity can work for you?If your home has increased in value, you may be sitting on usable equit...
01/30/2026

🏡 Did you know your home equity can work for you?

If your home has increased in value, you may be sitting on usable equity that can help you:
✔️ Pay off high-interest debt
✔️ Renovate or upgrade your home
✔️ Cover major expenses
✔️ Invest in another property

Your home isn’t just where you live — it can be a financial tool when used wisely.

📩 Message me to see what options you may qualify for.

🏡 Thinking About Buying Your First Home?As a first-time homebuyer, it’s normal to have questions. I guide my clients thr...
01/24/2026

🏡 Thinking About Buying Your First Home?

As a first-time homebuyer, it’s normal to have questions. I guide my clients through:
• Understanding loan options (FHA, Conventional, VA, etc.)
• Down payment assistance programs
• Credit & income requirements
• What to expect at each stage of the process

📘 Education + guidance = confident decisions.

If you’re curious about what you qualify for, I’m happy to walk you through it—no pressure.

📩 Message me anytime

🏡 Want to buy but worried about credit or down payment?An FHA loan could be the solution ✔️
01/22/2026

🏡 Want to buy but worried about credit or down payment?
An FHA loan could be the solution ✔️

Address

Modesto, CA

Telephone

+18312549157

Website

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