I have expertise is in residential mortgages including how to manage your mortgage debt and assets to reach your financial goals. I assist borrowers in financing Purchase, Refinance, Investment Properties & Second Homes. I also arrange financing for small to mid-size commercial properties. My main focus and goal is to get you the very lowest interest rate and fee for your specific transaction goals in the least amount of time and effort for you. You will obtain the lowest, and best prevailing market rate and pricing for your mortgage. I’ve been helping families for 20 years, serving the San Jose, Bay Area and California market since 1998.

I will provide you with an illustration of 3 different loan amounts, product and pricing scenarios so you will be able to see for yourself all the moving parts of the loan you’re considering; payment, insurance, property taxes and insurance, income needed to qualify and much more. YOU will love this!

If you’re like the majority of Americans your mortgage is the largest asset and liability on your balance sheet and deserves the most thought toward planning and execution to assist you in debt management. How you manage your mortgage, other debt and expenses can be the difference of not only your lifestyle now and into the future, it will also determine when and how you will retire. My focus is educating clients, finding money that they transfer out of their household unknowingly, help them identify those funds and redirect them back into their family net worth, a personalized Mortgage Road Map. Most people do not understand the importance of controlling their money and are more concerned about managing their debt, some to the point of losing control of their capital. You have nothing to lose and everything to gain by setting up a free consultation. Learn to manage your mortgage debt and your assets for Predictability, Liquidity, Use, Choice and Control.

You can count on my advice to be concise and forthcoming on the state of the market and the direction I feel the market is moving. I will give you my best advice, strategy and selection of loan products for your individual situation. Analyzing and representing each borrower with a wealth of experience and skill from the beginning of the loan process to the close of the transaction in the most expedient manner with an emphasis on ease for you.

877-685-6631 Phone
408-351-4277 Fax

Lisa Melby
Firestone Financial Group
Licenses: DOI MT 742264 | CA 0843024 | DRE 01230770 | NMLS 298325
125 Cedar Commons Ln., Ste. A, Kalispell, MT 59901
4010 Moorpark Ave., #104, San Jose, CA 95117
o: (877) 685-6631
f: (408) 351-4277

Copyright © 2019 All Rights Reserved.
Lisa Melby 877-685-6631, All Rights Reserved.

Mortgage Calculator

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One Response to “Mortgage”

  1. Davis Says:

    Lisa!! Love the website!

    I’ve been toying with the idea of a mortgage for a while now, but California home prices are WAAAAAAY to high for me. If I make $65K a year, but have a house-hold income of $110K….what home prices should I be investigating? What are my options if I don’t have a substantial down payment? (Am I hurting myself if I can’t put down 20% up front?)


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