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Find The Right Loan
Purchase Loans
Refinance Loans
Specialty Loans
Your Local Ignite Mortgage Loan Officer
Hi, I’m Melissa Aguilar a bilingual Mortgage Loan Officer, proud mom of three amazing boys, and passionate advocate for homeownership.
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I know that buying a home is one of life’s biggest milestones, and I believe the mortgage process should feel exciting, not overwhelming. Whether you’re a first-time homebuyer, purchasing your forever home, or refinancing, I’m committed to providing personalized guidance, clear communication, and support every step of the way.
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Being fluent in both English and Spanish allows me to serve a diverse community and help more families feel confident throughout the lending process. My goal is to make sure every client feels informed, valued, and empowered to make the best financial decision for their future.
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When I’m not helping clients achieve their homeownership dreams, you’ll find me spending time with my three boys, cheering them on, and making memories with my family. I look forward to helping you open the door to your next home!
Melissa
Aguilar
Loan Officer
NMLS# 2639717
States Licensed: GA, TX, NC
The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
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If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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ļ»æļ»æGet pre-approved for a purchase
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ļ»æļ»æGet pre-approved for a refinance
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ļ»æļ»æCalculate equity for a cash-out refinance
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Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.