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With over seven years of dedicated service in the mortgage industry, Nicole Melgar has established herself as a trusted and knowledgeable professional, providing expert guidance to clients navigating the complex world of real estate financing. Her journey in the mortgage sector began with a passion for helping individuals achieve their homeownership dreams, and her commitment to excellence has only grown stronger over the years.

Nicole’s expertise spans a wide range of loan programs, making her a valuable asset for clients with diverse needs. One of her key strengths lies in navigating unconventional financial landscapes, offering solutions beyond the traditional realm of mortgage lending. As a specialist in non-qualified mortgage (non-QM) products, Nicole has successfully assisted clients who may not meet the standard criteria for conventional loans. Her in-depth understanding of non-QM options allows her to tailor financing solutions that cater to unique financial situations.

In addition to non-QM programs, Nicole is well-versed in hard money loans, providing clients with alternative lending options that are often essential in fast-paced real estate transactions. Her ability to secure hard money loans efficiently has been instrumental in helping clients seize investment opportunities and overcome short-term financial challenges.

Nicole’s proficiency extends to bank statement loans, Profit and Loss, and Asset Utilization loans. Ideal options for self-employed individuals or those with non-traditional income sources. She recognizes the importance of flexibility in loan programs, and her expertise in bank statement loans ensures that clients with varying income structures can access the financing they need to realize their homeownership goals.

Adding to her versatility, Nicole is well-versed in ITIN loans, catering to the needs of individuals without a Social Security number. This specialized loan program opens doors for those who may face barriers in conventional financing due to immigration status.

Beyond her proficiency in diverse loan programs, Nicole is proud to offer her services in both English and Spanish.

Team members

Fast and flexible financing for your real estate investment projects in California

Lending Bee Inc offers a variety of hard money loan options secured by real estate, including fix and flip loans, bridge loans, and construction loans. Our team of experts will work closely with you to find the right loan option and guide you through the entire loan process. Contact us today to learn more.

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