|Mortgage and Lending||
|Mortgage Loan Originator |AMECHomeLoans NMLS150953|
|location_on Austin, TX — EqualHousingLender | Branch NMLS1664603 | 12515-7 Research Blvd #120 Austin, TX 78759 |TXRecFund https://goo.gl/km7UEW|
|NMLS# 228566||insert_link http://www.melanietaliaferro.com|
|web Melanie Taliaferro's (melvolley) Blog|
Hi everyone and thanks for visiting! I absolutely love what I do and consistently strive to be the best I can be for my customers and the agents that I work with. I know there are plenty of mortgage people out there and we can all offer you about the same products and rates (there are certainly exceptions) but at the end of the day, I think it is most about accessibility, honesty and knowledge. I am available to you pretty much any time and want you to feel comfortable contacting me whenever there is something I can help you with. After all, this business is about building relationships! So call me all you want! I am here to help! I promise to explain things as much as they need explaining and to do my due diligence in helping you and your clients have a wonderful experience.
I am a life-long athlete and play volleyball competitively both indoor and in the sand. I was a member of the volleyball team at Stephen F. Austin State University where I made the greatest friends in the world and had the time of my life. The passion I have for volleyball has driven me in so many other ways, including my career. I say work hard and play hard!
I have extensive experience with conventional, jumbo, VA and first-time homebuyer programs including FHA and USDA, and have access to the MCC (mortgage credit certificate) program and the Texas Department of Housing Down Payment Assistance program. I have worked with many VA and Texas Vet borrowers as well.
I know there is a lot of information floating around right now about lending that has confused many people. The truth is that there have definitely been huge changes to our industry but many of those changes were aimed at reforming bad lending practices (i.e. putting buyers into loans they could not really afford), eliminating high-risk loan products (remember those "stated income" or "no doc" loans?), and preventing foreclosures. Many borrowers who qualified for a loan by having sufficient income, assets and credit profile several years ago would still qualify today. We have seen stricter qualifying guidelines put in place in recent months, including increased credit score requirements and down payment amounts, but in the long run these changes are helping to protect buyers and get the housing market healthy.
I have been in the mortgage industry since 2002 and I love what I do! My experience ranges from first time homebuyers to construction lending, and everything in between.