About Me
Carlos began his mortgage career in 1992 as a loan officer and eventually as a Branch Manager. With over 20 years as a mortgage professional Carlos has seen many trends in rates, programs and the real estate market. He brings a high level of experience to the industry ranging from personally working with hundreds of clients, to managing a team and a company.
Carlos brings years of experience in structuring VA, FHA and conventional loans. As loan products have disappeared and the qualifying for loans have become ever more difficult the experience that Carlos brings to the transaction is ever more valuable. Few people have his background in Builder Financing along with Condo Project approvals for FNMA and VA/FHA. Over the years, he has maintained a close working relationship with those who are responsible for approving projects, giving him the expertise to be the go to person for solving problems from easy to complex when it comes to condominiums, new construction, high rise.
Calculators
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Mortgage Calculator
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Get Started with Carlos Melich – Branch Manager/So. California Builder Manager -
Refinance Calculator
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Get Started with Carlos Melich – Branch Manager/So. California Builder Manager -
Affordability Calculator
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Get Started with Carlos Melich – Branch Manager/So. California Builder Manager
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
$50B+
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Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
