Melissa Beth Walter

Mortgage Loan Originator

Orlando- Florida

NMLS- 1170728

States Licensed: Florida

Melissa Walter has been involved in the mortgage industry since 2004 in MANY facets. She began her mortgage career with Security Financial Enterprises as a licensed mortgage broker and very successfully researched, submitted, processed and closed residential home loans. In 2007, Melissa was presented with an opportunity to become an REO Asset Manager with Ocwen Loan Services (currently Altisource Portfolio Solutions). She managed a nationwide REO portfolio consisting of as many as 250 bank owned assets in which she was responsible for preparing business plans and budgets, listing, marketing, managing, negotiating and approving sales contracts for properties from acquisition to closing. This experience afforded her the opportunity to gain a wealth of knowledge and an expert understanding of the world of bank owned properties. In 2010, Altisource moved their REO operations overseas and Melissa took that opportunity to take a brief hiatus from the working world to be a stay at home mom to her beautiful newborn son. In 2012, Melissa returned to the mortgage industry as a forensic underwriter with Digital Risk, LLC in Lake Mary, FL. Her responsibilities included reviewing employment, and asset documentation as well as a recalculation and review of income for completeness and accuracy. Completing in-depth forensic underwriting reviews of non-performing conventional loans provided Melissa with a comprehensive understanding of the current lending guidelines. Eventually, Melissa decided to go back to her true passion; originating loans. In 2014 Melissa joined the Equity Prime team and could not be happier with the excellent teamwork, leadership and level of professionalism the organization has to offer. Through excellent customer service and communication, Melissa makes every effort to take care of each and every client and provide the one on one attention they need to make sure the entire loan process is smooth and successful. It is Melissas goal and the companys goal to ALWAYS give the client a great experience!

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

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