Melissa Belcher

Melissa P. Belcher
Mortgage Loan Officer, NMLSR # 414618

2501 20th Pl S

Birmingham, AL 35223-1701

About me

Background

I know that buying a home is an exciting, hopeful event that often represents a milestone in a client’s life and give it the attention it deserves. I believe it’s my job to make the loan application process transparent, easy to understand, and as efficient as possible. My clients expect quick responses, so I make it a priority to maintain open lines of clear, constant communication. I stay available by mobile phone, email, and text message, and use all of the technological tools at my disposal to keep document handling as paperless as I can. I uphold the highest service standards, whether my client is a first-time or experienced homebuyer, or building a home, and am committed to finding the best loan and competitive rates for their unique goals. 

Education

University of Alabama - Birmingham 1982 1984

Personal interests

In my spare time, I love doing things with my family and friends, especially in the great outdoors, from camping and hiking to cycling. You might also find me at a neighborhood estate/yard sale. 

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.

  • 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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