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Melanie Hernandez

Loan Officer

NMLS# 1123364

About me

Thanks for visiting my page! I know buying a house is a very big step in life and I want this process to be memorable for the right reasons. Whether you’re moving from far or staying local, a first-time homebuyer or a seasoned homeowner, I look forward to helping you through the lending process. I am passionate about educating my clients to ensure they are confident from start to finish and beyond. I will take the time to go through your financing options and help you consider your current needs and future goals.  

Early 2019 we made the decision to move our family from California to Tennessee and we love everything this region has to offer.  Living just outside of Chattanooga, I can personally help with home loan needs in Tennessee, Georgia, and California. I know how it feels to move across the country and navigate all that comes with it. I promise that I will be your biggest supporter. 

Weekends & down time you can find me camped out at baseball tournaments for our son or cuddling with our two very large Great Danes. Each year I volunteer and support the Wreaths Across Chattanooga mission to honor our Heroes at the Chattanooga National Cemetery. I donate to this foundation for each transaction I am a part of. 

Bonus: When you work with me, you also get access to the business partners that I’ve built relationships with & trust. It’s more than just me!  

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
Leah
Sept 1, 2025
Sutter Creek, CA
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Melanie is awesome
Rhonda H.
May 23, 2025
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Melanie is an outstanding loan offers. From day one she goes above and beyond and always communicates well!
Michaela
May 23, 2025
Rossville, GA
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Melanie was very informative and very helpful as a first tiime homebuyer. She answered every question I had, no matter h...See more
Michael
May 23, 2025
Rossville, GA
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communication between a client and myself the overall experience is just phenomenal
Rhonda
May 23, 2025
Crab Orchard, TN
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Melanie is an outstanding loan officer. From the first day her communication has been outstanding and she goes above and...See more
Jymea
May 23, 2025
Folsom, CA
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So many awesome things to say about Guild and Melanie. We met her at an open house and she was more than happy to help ...See more

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NMLS ID #1123364

I am authorized to do business in the states of California, Georgia and Tennessee. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;

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