mstaller@houseloan.com
210-340-4994
Melissa Staller
Buying a home or exploring a refinance? Connect with Melissa to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Melissa
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Melissa
We always heard the horror of buying a home, but we had a great experience thanks to the team!
Every Experience with Melissa was Outstanding. From communication to Help in understanding what additional Documents were requested to ensure we provided the Correct ones. She was very Easy ti talk too . Made us feel very Welcoming and very approachable to speak to on any conversation or concern we might have had. Coming from a Retail leadership Background. You all Truly have a Great Backbone with Melissa S. . Thank you Again. Rudy Rodrigues
The whole experience was amazing
They were always available for questions and always very kind!
It was an amazing experience closing on our first home . The entire experience from start to finish was 100 percent professional but with a feeling of having a friend helping you out. I would highly recommend to anyone looking to purchase a home.
Melissa was so helpful and knowledgeable. I had a great experience and she made the whole process easy.
Melissa was very kind. She took time to explain everything to me. She was there to answer all of my questions. I was put at ease after I would speak with her. It was just an awesome experience.
Working with Melissa was a pleasure.
Communication was clear and everything was very easy to understand
Melissa and Zoe provided us the best experience possible to help us through all the way to closing. They made the process for first time home buyers like us very easy to understand and answered all of our questions. We will highly recommend working with them in the future!
Great smooth transition throughout loan process. Great communication thank you.
Always available to help and very friendly. Very easy process with their help.
Let’s connect
Contact Melissa
Share a little about your plans and how to reach you.
Office locations
Suite 300
San Antonio, TX 78257
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Melissa today.
