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About me

Carl Melby is a Team Manager and Sr. Mortgage Loan Originator with over 30 years of experience in the mortgage industry. He makes a point to put his client’s first, believes in strong ethics and is committed to high standards and education. Carl is passionate about the mortgage industry and displays his knowledge and experience through his actions. He makes a point to really listen to his clients and asks questions about their expectations for their ideal home, the amount of payment they can afford, and what is important to them for their future. Knowing these details helps Carl to find the right loan program to fit their needs. He offers VA, USDA, first-time homebuyer down payment assistance programs, and renovation loans, but considers himself an professional in conventional, Jumbo and FHA.

Outside of work, Carl is actively involved in his community. He and his wife have been married for almost 40 years and have three children and grandchildren. He enjoys golfing, antique cars and traveling.

Call Carl to begin your home financing journey!

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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.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
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Noel
Feb 24, 2025
Dunnellon, FL
Verified

Carl was very professional
Christine
Feb 24, 2025
Dunnellon, FL
Verified

Carl and Barney we very easy to work with and answered all my questions any time of the day or night
Linda
Dec 23, 2024
Glen Ellyn, IL
Verified

Any questions I had during the loan process were answered in a timely fashion and I was made to feel as if I was a very important client. The process was smooth and painless.
Kevin
Dec 23, 2024
Atlanta, GA
Verified

Carl is an excellent communicator! Very professional!
Jonathan
Dec 23, 2024
Atlanta, GA
Verified

Carl is the man. As a first time buyer Carl is willing to answer any and all questions at anytime of day. I was out at ease knowing Carl was working for us to ensure we got the home and the loan we wanted.
mike
Feb 15, 2024
Verified

CARL IS THE BEST AT WHAT HE DOES. YOU COULD NOT ASK FOR ANYONE BETTER!!!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #201079
I am authorized to do business in the states of Florida, Georgia, Illinois and Indiana. (www.nmlsconsumeraccess.org/);