Gina Melton
NMLS: 877888 | Riverside Mortgage Solutions
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Riverside Mortgage Solutions
About Gina
Gina Melton has over 23 years of experience in the banking and mortgage industry and she is a United States Air Force veteran. Her experience in the military service and the banking industry has only deepened her resolve to help people reach one of the most cherished American Dreams – becoming a homeowner. Gina enjoys working with Motto Mortgage because she shares the company’s philosophy that homeownership is not just a dream. With personalized guidance, Gina helps her clients find the best program that will fit their specific needs. She works closely with her network of real estate agents and lenders to provide options for her clients with the least amount of headache. Whether a first-time homebuyer or veteran investor, Gina can guide clients through the mortgage process. Her goal is to make homeownership easier not only for the buyers, but for the real estate professionals as well. There are homes in need of owners and she is eager to become the matchmaker to make it work.
Client Reviews
Reviews (1)
Mario Alias
June 11, 2024
Gina provides exceptional mortgage services throughout the home buying process. Her deep industry knowledge, prompt communication, and dedication to customer service are evident every step of the way. Gina takes the time to explain all details, ensuring her clients are comfortable and informed about every decision. I would highly recommend Gina Melton for anyone seeking reliable and professional mortgage services!
Mortgage Calculators
Monthly Payment
Apart from the purchase price of a home, there are other costs that must be factored into your monthly mortgage payment, including loan term, interest rate, homeowners insurance and property taxes.
This monthly payment calculator can help you figure out monthly loan payment options and is a tool you can use to assist with budgeting, whether you're buying a home or considering a refinance. When you're ready to purchase a home, connect with an independent mortgage broker to help you get started with your first time home loan.
Estimated Payment Amount
Per Month
$0.00
* If your down payment is less than 20% of the purchase price of the home on a conventional loan, you may be required to pay mortgage insurance.
Buy vs Rent
Should you buy or rent a home?
Are you currently renting and thinking about buying a home? There are a lot of factors that go into this decision, starting with affordability. Our calculator helps you compare the cost between renting and buying, making it easier to see which option may be best for you.
Buy vs Rent
What is right for you?
With a steady income, good credit score, manageable debt, some savings, and you want to put down some roots, you may be ready to buy a house.
Use our buy vs rent calculator to find out what's right for you.
Refinance
Have you ever considered refinancing your home loan?
Too many homeowners who close on their mortgage simply "get it and forget it," which could be a big mistake. Refinancing your current home loan may save you a significant amount of money depending on your interest rate, how many months remain on your loan term and how long you plan on staying in your home.
It's all in the numbers. So, let's do a little digging. Use our calculator below and then connect with an independent mortgage broker to start your home refinance
Why Refinance?
Lower Interest Rate
If rates dropped since you took out your mortgage, you may be able to refinance to a lower rate and monthly payment.
Adjustable to Fixed Rate
If you have an adjustable rate mortgage (ARM) and plan to stay in your home for a while, you may want to refinance to a fixed rate mortgage.
Convert Equity to Cash
If your home value increased or you paid off a significant amount of your mortgage, you can get cash out of your home with a cash-out refinance to pay off credit card or other debt, make home improvements and more.
How Much Home
Before you fall in love with a home, be sure to fall in love with the numbers. If it’s your first time getting a home loan, it’s important to connect with an independent mortgage broker to walk through your financing options.
There’s much more that goes into the cost of homeownership than the purchase price. Other factors include: property taxes, homeowners insurance and the interest rate on the home loan. Preparing a thorough and comprehensive budget is a good first step to understanding how much home you can afford. Our home affordability calculator makes this easy.
You May Be Able To Afford A House Up To:
$0.00
With a monthly estimated payment of $0.00.
Based on your income, a home at this price could fit within your budget.
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