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Melissa Elmazis

Melissa Elmazis

Loan Officer

5941-a Jefferson Street NE, Albuquerque, NM 87109
Own what matters

About Me

I'm your dedicated mortgage expert, licensed in the states of California, New Mexico, and Texas. With a seasoned team by my side, boasting over two decades of industry experience, I've become the go-to resource for respected clients and partners.

My mission is simple yet profound: to guide you through a home financing journey that's as unique as you are. Together, we'll tailor a home loan solution that aligns perfectly with your individual needs and aspirations.

My commitment is personalization. Imagine a mortgage application process that seamlessly combines efficiency and expertise, resulting in an experience that's not only smooth but also rewarding. Count on clear and consistent updates that keep you informed and empowered at every step of the exciting home purchase adventure.

As we approach the finish line, envision a closing process that's not only prompt but also comprehensive. I understand the significance of a home purchase, and that understanding drives my unwavering commitment to providing you with top-tier service throughout the entire journey. With a life rooted in SoCal, where I've raised a family of three children while being a dedicated wife, I'm not just a professional – I'm a fellow community member.

And when you choose to work with me, you're gaining more than a mortgage expert; you're partnering with someone who has deep family ties to New Mexico spanning generations. This connection adds a unique depth of insight and dedication to the distinct real estate landscape of the region.

Together, we embark on a journey of excellence that transforms dreams into realities. Let's forge ahead, where dedication, expertise, and an unwavering pursuit of excellence redefine the path to fulfilling homeownership ambitions.

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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 an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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4.98 out of 5.0 stars
Jul 21, 2023

I had an incredible experience with Melissa as my mortgage lender! She went above and beyond to help me throughout the entire process, making it smooth and stress-free. Melissa's knowledge and expertise in the industry were evident as she guided me with clarity and patience. She was always available to address any questions or concerns, ensuring I felt supported and informed at every step. Not only did Melissa excel as my mortgage lender, but her seamless collaboration with my realtor, Savannah Schaefer, was truly exceptional. The synergy between the two was evident from the start, and their teamwork made the entire home-buying process even more efficient and enjoyable. Melissa and Savannah communicated seamlessly, keeping me in the loop at all times and coordinating efforts to ensure everything fell into place perfectly. Their combined expertise and dedication made me feel confident and assured that I was in the best hands possible. Thanks to their fantastic partnership, I now have the home of my dreams, and I couldn't be happier with the outstanding service provided.
Jun 06, 2023

If you are thinking of purchasing a home I highly recommend Melissa Elmazis, Loan Officer with Guild Mortgage. I was given 3 names by my Agent Savannah Schaefer from Simply Real Estate ( which I highly recommend ) also. Melissa was the only one that answered her phone, on her way back from vacation. She pulled over and immediately ran numbers for me and answered all my questions. I got calls from the other two names that were given to me, but it was too late. Melissa had already started to work with me and had answered her phone. Through out the whole process she has picked up everytime I have called with questions and made every effort to make things go as smoothly as possible. I highly recommend Melissa Elmazis with Guild Mortgage.
May 02, 2023

Melissa helped to keep the communication flowing with all parties involved. I look forward to working with her in the future to refinance.
Apr 04, 2023

Start to finish Melissa made my entire home buying experience as easy as possible. From getting me approved and qualified day one to walking me through the entire process until and after closing on my house. She was available to me whenever I had questions or needed more detailed information. Because of her and my realtor I was able to get into my home in less than 45 days!! I just can’t thank her enough. 10/10 would recommend to everyone!
Mar 14, 2023

Melissa was a pleasure to work with she was right on top of everything, She keeps me well informed on the progress of the loan and communicated very well on what was needed from me. I would recommend Melissa for your mortgage she is very professional and pleasant to work with.
Mar 14, 2023

Very friendly and easy to work with. Gave us many breakdowns of different home costs. Made our first home buying experience easy to understand. Always got back to us with fast responses and kept us in the loop. Worked the mortage loan to what worked best for my wife and I. She went above and beyond!

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Causes I'm
passionate about

NMLS ID #2073467
I am authorized to do business in the states of California, New Mexico and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;

Attn: Texas Applicants:
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at