Melanie Welsh

Melanie Welsh
Sales Manager, NMLSR # 262085

101 N 3rd St

Wilmington, NC 28401-4034

About me


Melanie Welsh has had the honor and pleasure of working in the mortgage industry for over 30 years. While this tenure provides her with a wealth of knowledge and experience, it’s listening to each individual client and understanding their priorities that’s most important in finding the best mortgage loan program to meet their needs. Purchasing a home is typically the single, largest financial investment a person will make. Melanie’s goal is to serve as a trusted advisor by offering great mortgage solutions with competitive rates and costs. She and her team are committed to making the mortgage process as simple as possible and ensuring that each client has a professional and efficient experience. Melanie always enjoys meeting new people, building relationships, and being of service to her clients and referral partners. She and her team are ready to assist with every client’s mortgage needs.


BS - Business Administration
East Carolina University 1982 1986

Personal interests

Melanie is a North Carolina native and a graduate of East Carolina University. A strong community advocate, she volunteers her time and talents to various trade associations and educational and charitable organizations. She’s a member of the Cape Fear REALTOR® Association, the Wilmington Cape Fear Home Builders Association, East Carolina University’s College of Business Advisory Council, and has twice served as chairperson for the American Heart Association’s Cape Fear Heart Ball (2018 and 2020). She resides in Wilmington with her husband and, together, they have four children. She enjoys spending quality time with family and friends, and all activities associated with the coastal lifestyle.  

Areas of Focus

  • Choose how to position your mortgage comfortably within your overall financial picture, whether it’s to reduce your monthly payment, pay off your loan sooner, or get cash out for large purchases.

  • Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.

    • Access larger loan amounts at competitive interest rates.
    • For primary residences and second homes, including condominiums.
    • Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
  • Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.

  • 100% financing at competitive rates and low monthly payments.

    • For qualifying veterans and surviving spouses.
    • 100% financing available with no down payment.
    • Borrowers exempt from monthly mortgage insurance premiums.
  • Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.

    • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
    • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
    • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • By first understanding how much you can afford to spend on a home and planning accordingly, you can buy your first home with confidence. Calculate now

  • You’ve decided to build your dream home. Save time and money with a construction-to-permanent loan.

    • Offers affordable, interest-only payments during construction.
    • No penalties are assessed for prepayment.
    • One upfront closing with one set of closing costs provides the financing for the lot, construction and mortgage.
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