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Melanie Garner
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Melanie Garner

Loan Officer

6723 Academy Road NE, Albuquerque, NM 87109
Own what matters
Own what matters

About Me

Hello there! I am a native New Mexican and have been in the industry for many years. Before calling Guild Mortgage my home, I started my career in the real estate industry as a Realtor and helped many individuals buy and sell their homes. Being on both sides of the home buying process gives me a broad perspective and a unique set of skills.

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. Whether you are looking to purchase or refinance, allow me the opportunity to earn your business!

I look forward to working together!


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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.



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.


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.

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5.0 out of 5.0 stars
Eric E
Jun 16, 2022

Melanie was amazing from start to finish! Walked me through every step ! Very professional and prompt ! Would definitely work with her again !

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Causes I'm
passionate about

NMLS ID #855219
I am authorized to do business in the state of New Mexico.