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Brandon Melgares

Brandon Melgares

Loan Officer

507 Main Street, Grand Junction, CO 81501
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.9 out of 5.0 stars
5.0
4.89
Juli J
Aug 26, 2023
Verified

Very communicative!
Morgan
Aug 30, 2023
Verified

Brandon was great at communicating what was happening along the way with our loan, but more than that he was always available to me to answer my questions. He was incredibly quick to respond to my calls, texts, and emails and was so knowledgeable he could answer everything right away. We had a great experience!
Sonya
Aug 18, 2023
Verified

Brandon was very responsive and helpful! Thanks for making our home-buying experience easy-peezy!
Joshua
Aug 05, 2023
Verified

Brandon made the process easy and understand
Michael
May 31, 2023
Verified

Brandon was very responsive to my anxiety about the process.....answered all my questions to my satisfaction and held my hand when I needed it.
Steven
Apr 21, 2023
Verified

Brandon was efficient, knowledgeable, communicative, and a joy to work with!!!! We would definitely use him again for our mortgage needs.

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passionate about

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NMLS ID #2015178
I am authorized to do business in the states of Colorado and Oklahoma.