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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!

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

The rating and reviews below represent my top reviews. Read all customer reviews here.
5.0 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
Ernest
Oct 4, 2025
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Been working on the move, mostly done now. I would like to talk to someone about how to make payments.
Kelly
Sept 2, 2025
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We gad tried to get a previous Lia n and had a horrible experience. Carl truly cared about helping us. And it was done ...See more
Virginia
Sept 2, 2025
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There were a few glitches, but were remedied quickly. Call was great on correcting things.
Megan
Aug 7, 2025
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Carl Melby is the expert that you want on your team. He is the best in the business, and is always accessible, kind and ...See more
Christopher
Aug 7, 2025
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Carl is why I had a great experience.
Megan G.
July 5, 2025
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Carl Melby is the expert that you want on your team. He is the best in the business, and is always accessible, kind and ...See more

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NMLS ID #201079

I am authorized to do business in the states of Florida, Georgia, Illinois and Indiana. (www.nmlsconsumeraccess.org/);

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