With more than 20 years of mortgage experience, Melissa Kerbow brings deep knowledge, a fun personality, and unmatched dedication to every client she serves. She specializes in first-time homebuyers, FHA, VA, and USDA loans, and has built a reputation for being the lender who will always look for the “yes.”

Melissa is known for her speed to respond, commitment to education, and quick turn times that help buyers feel confident and supported from pre-approval to closing. She loves empowering new homebuyers with clear, simple guidance—especially clients who are navigating the process for the first time.

Outside the office, Melissa has been happily married for 32 years and is a proud mom of two sons, plus a busy “dog mom” to four pups and “chicken mama” to 150 chickens. She loves the outdoors and spending time with family and close friends.

Friendly, approachable, and full of energy, Melissa is committed to delivering an exceptional lending experience and making every client feel like part of the family.