When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Hi, I’m Melanie! I’m a small-town real estate broker based right here in Pacific County, helping people buy, sell, and invest in places like Raymond, South Bend, and the surrounding communities I’m proud to call home. Real estate, to me, is about more than just a transaction it’s about people, timing, and making big decisions feel a little less overwhelming. Whether it’s your first home, your next chapter, or an investment, I’m here to guide you through it with honesty, clear communication, and a strategy that actually works in today’s market. When I’m not out showing homes or working with clients, you’ll find me at home with my family usually juggling a mix of real life and little farm chores, working on house projects/ the garden, or enjoying a slow morning with coffee. I love where I live, and I love helping others find their place here too. A few things about me: Likes: small-town living, coastal drives, fresh air, home projects, our farm animals, time with my family, a good backyard setup, and anything that makes a house feel like home Dislikes: clutter, low phone battery, leftover food, and homes that don’t show their full potential