Your Home Loan. Your way. Customized and Personal.
Everyone is unique and deserves a personalized experience.
About me
Hi, I'm Melissa! I'm a mortgage loan officer with a passion for making the home-buying process as exciting as it should be. With years of experience, I specialize in helping first-time homebuyers, vacation home seekers, construction loan clients, and veterans - because every journey deserves expert guidance.
I know that buying a home (or two, or three!) is a big deal, and I'm here to make it as smooth and stress-free as possible. Whether you're purchasing your first home, planning a dream vacation spot, or embarking on a construction project, I've got the knowledge and the resources to make your dream a reality. And with more investors than most lenders, I can offer you even more options when it comes to financing because everyone's needs are different, and I'm here to find the best fit for you!
When I'm not working hard to help clients, you can find me soaking up the sunshine, enjoying family time, or reading a good book. I believe that buying a home should be a happy and rewarding experience, and I bring that same energy to everything I do.
Let's chat - I'd love to help you get into the home you've been dreaming about!
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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.
Bridge
If you’ve found the perfect new home but still need to sell your current one*, moving up can be easier than you think. You can buy quickly and avoid worrying about a contingent sale. Our short-term bridge loan for the down payment helps you transition seamlessly without missing out on the right home for your family.
Conventional
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%.
VA
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.
home equity insights
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Testimonials
Excellent loan officer. Guild professionals online were friendly and helpful. The team was able to meet a quick closing deadline without breaking a sweat.
Melissa was fantastic She got us a solid loan at a reasonable rate in a very prompt and efficient time, and she was so positive and kind and professional at the same time
I wish that I could give her even more stars! Throughout the process Melissa Bergren was a remarkable loan officer. In addition to being a top notch professional, knowledgeable in her field, she is extraordinarily patient, kind, and efficient. With her on our team, we have now purchased the home of our dreams. Thank you so much, Melissa.
Melissa was amazing. Competent, thorough, knowledgeable, and just the nicest, most positive person to deal with. She handled everything promptly and explained it all well. She was clearly the best loan officer I have ever dealt with over the years.
I had an incredible experience working with Melissa! She was amazing throughout the entire process—making everything simple, clear, and stress-free. She was always responsive, attentive, and thorough, ensuring no detail was overlooked. What truly set her apart was her willingness to go above and beyond—she even helped me find the right insurance, which made a huge difference. I’m so grateful for her support and would highly recommend her to anyone in need of a loan officer who truly cares and delivers exceptional service.
Very prompt, professional and available. Melissa has listened to my needs and walked me thru every step. I greatly appreciate all the going the extra mile. Again thanks for everything.
NMLS ID #931932
I am authorized to do business in the states of Alaska, Montana and Washington. Branch NMLS ID 2576073; 
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