Melody has 11 years experience in home lending. Having spent the breath of her career in mortgage banking, Melody is fully committed to continuing her journey with her clients to secure mortgages whether for home purchases or refinancing and in so doing improving the financial lives of each and every client with with the privilege of serving.
‘One of my most gratifying experiences is guiding first-time homebuyers from inception to closing while understanding the difference this may make generational for families.’
Melody enjoys living in San Francisco and is a Bay Area native having spent most of her life in Marin county. Melody earned her degree from Mills College in business. Her interests include travel, photography and more travel.
“I recently refinanced my mortgage using Melody Rose at Neat Capital and I couldn’t be happier. I refinanced using the unique loan product utilizing my assets to accomplish my refinance. I first contacted the mortgage broker who initially got me the first loan on my home. The loan product he offered was a short term loan at a significantly higher interest rate than I currently had which is crazy! Especially because interest rates are so good right now and the solution he offered would have defeated the purpose of refinancing to reduce my mortgage payment. I then called 2 credit unions who said they do not handle asset-based loans.
I contacted Melody Rose at Neat Capital and she got me a guaranteed 30 year fixed rate loan. This is exactly what I wanted. I am saving over $500 a month now on my mortgage payments. I never once had to call Melody to bug her about anything. She always called me first and always kept me in the loop on what was happening. I loved her competence and professionalism.
I live in California and during my refinance I had to go to Denver unexpectedly to take care of a family member so to easy my stress and anxiety Melody set up a notary public to come to my brother’s house in Denver for me to sign my closing documents. It was such a relief and I was able to close on time.
I am telling all of my friends to go to Neat Capital for their mortgage needs and to definitely use Melody Rose. She was a pleasure to work with and really made this process easy.”
Darryl | Client
“Great experience with Melody Rose at Neat Capital. Closed on time with no issues and very good at proactive communication. One of the best experiences I have ever had working with a lender.”
Adam | Client
“So happy to have had the pleasure to work beside Melody Rose in my most recent closing. She took care of my clients from start to finish. Her communication, commitment, professionalism and overall care for my clients was by far the highest level of expectations I could have imagined. I look forward to closing more transactions with her and creating great relationships with clients thanks to Melody being incredibly knowledgeable and easy to work with.”
Brandy | Client
“Melody Rose has been an integral part of my success working with buyers. Choosing the right lender partner is extremely important when supporting buyers with purchasing their home and I could not ask for better agent-lender relationship. Melody is professional, knowledgeable, and exhibits excellent people skills. She goes beyond the expected to support our clients and assure a successful transaction. The best of the best!”
Kim | Client
Maya | Client
“We were referred to Melody by a friend, early in January 2019, he had worked with her in the past and had such nice things to say. Well, we ended up not buying a house then, when we realized we were not exactly ready. Then in June, we started looking again and this time we decided to shop around for lenders as well, to compare. long story short we still found our way back to Melody who now was with Neat Capital and she was awesome, very transparent. She will pick up her phone at any time. She and her team made the whole process less tedious, and we closed escrow right on time. And I’m super grateful because I love love love my new home !!!!”
Adaeze | Client
“After working with 5 different loan officers, we found the right person who went above and beyond to work with my specific situation and put my family into a home with no compromises. Experienced and professional does not do her justice. Walking us thru the process, tight 21day closing, available any time of day, are just the easy stuff. Finding a loan that allowed us to purchase a home with no compromises, without having to sell our existing home was absolutely incredible. Just like everybody needs a great lawyer on speed dial, Melody is on mine. Will not hesitate using her services again and recommending her to anyone.”
Rathin | Client
“Melody is a very professional agent who executes at a fast pace and keeps the communication flowing throughout the process. I would recommend Melody to any of my contacts.”
Hugo | Client
Melody worked her tail off to get me several options for buying land for a home estate my wife and I want to build, and for land buyers that could help my solar company with land purchases. She was diligent, tenacious and thorough in her work as well as with her communications to me. If you need to buy a house or buy land, Melody is your pro!”
Troy | Client
“Melody is AMAZING when it comes to the lending process and getting your clients to the finish line. I would recommend her to help anyone with their clients. A true professional, organized, and compassionate in every situation.”
Stephanie | Client
“Melody has been great! Performed at the very toughest markets, no one else could. She’s dedicated, hard working and smart.”
Mansoor | Client
“Dear Melody, Your professionalism, promptness and understanding greatly eases the loan process.”
Martin | Client
“Melody Rose is one of the most professional, well spoken, intelligent, industry aware and aggressive loan officers I have ever hired. She not only looks out for her client in every step of the process, but constantly looks to make the company a better place as well. She has proven time and time again to be a true strong and hard working asset to our team. I could not be happier with her. She is someone I would refer my business to without worry, it’s why so many do.”
Aaron | Neat Capital Director of Sales – Western Division
“I have worked with Melody Rose for almost a decade on all my loan mortgages needs. Melody has consistently been a trusted professional and exception with every request. I have always found her patient, attentive and customer focused. She is straightforward, thorough and helpful in guiding you through the process from start to finish. Melody is exactly the type of loan advisor you want working on your behalf. I would highly recommend her for any of your mortgage needs.
Reggie | Client
“Melody Rose is an amazing colleague, and an amazing woman. I’ve known and worked with Melody for 10+ years. During that period, Melody has shown care, concern, and expertise when dealing with our clients. From mortgages for non-warrantable condominiums, to her outstanding service to all clients, Melody is a proven expert. I highly recommend Melody – her expertise and her commitment to service – are second to none.”
Thomas | Client
“I’m a new homeowner and not very familiar with the loan process. I reached out to Melody in April about refinancing to get a lower rate. Melody was very informative about the whole process and took the time to explain anything I didn’t understand. She was very attentive and made sure to stay in constant communication every step of the way to ensure we were on track. We were able to close before the month ended and she made everything seem so effortless! I’m so happy with my decision to work with Melody! She’s amazing and I have nothing but great things to say about her.”
Jenny | Client
“My experience working with Melody in purchasing my home was truly amazing, rewarding and informative. Her guidance through the entire process was remarkable. From the initial start of consulting with her on what type of home to purchase, to giving her feedback on what I was planning, to the day of closing. She made the entire cumbersome process very easy to understand and track. She was very polite, professional and dedicated as if i was her only client. I would recommend any of my family or friends to work with Melody or on my next purchase, I will definitely be contacting her. Thank you very much, it was a great pleasure working with you.”
Munsuru | Client
“I cannot express how much of a lifesaver Melody is. I refinanced my home right before COVID hit. She explained the process step by step and took the time to explain the different interest levels on a 15/20/25 year loan. Whenever I would email her questions she would answer me within 24 hours-even if it was the weekend-and always have a pleasant demeanor. I never felt like I was an inconvenience, even when I was stressed and busy with work (as COVID was unfolding). Once I received my pre-approval, she explained the importance of selecting the current loan type as compared to my income and pay-off plan. At the end of it all, I now have a 20 year mortgage (I shaved off 5 years) and my monthly payments are less. I’m sooo happy I met her and I was referred to her. Also, I think I paid for the inspection and everything else was covered in my refi. I could not be happier.”
Kiana | Client
“Melody was very supportive throughout the entire process of buying our home. Not only was she accessible, Melodytook the time to thoroughly explain each step of the buying process. We were always privy of any changes and updates that arose and I leaned on Melody’s expertise, knowledge, and perspective on how to move forward. Overall, my experience was great and would recommend Melody as a trusted Loan Advisor, as she can provide the services and support needed to reach your desired outcome. Thank you again, Melody.”
Trevor | Client
“I would highly recommend Melody Rose for home loan and refinance. She just helped me refinance my current home and close on a new home loans in an expeditious and professional manner. Her experience and knowledge was very helpful throughout both processes. She went above and beyond to support me during loan application and underwriting process and answered my calls at all hours of the day and night. Melody was clear and direct when it came to explaining all the options available to me. I really appreciated her transparency when it came to explaining all the loan fees. Thanks for patience with me and my son during this process.”
Carl | Client
“Melody was a thoughtful partner and expert guide in helping us to secure our recent home loan. She went out of her way to understand our needs, proactively surfaced potential issues and opportunities, and was a terrific communicator throughout the process. We would highly recommend Melody for future lending needs.”
Nevada | Client
Buyers receive official approval to make a cash-like offer in as little as 48 hours.
Buyers with an approved home loan are backed with an extra level of financial security.
Buyers could go from applying for a loan to closing on their home in just two weeks.