Hi there. My name is Melissa Breeland and I have been originating and CLOSING loans for 8 years now. I love it..it's my passion! I specialize in FHA/VA and SC State Housing Loans.

There for awhile traditional financing wasn't very popular...it wasn't cool or hip. In light of the "Sub-prime Mortgage Meltdown", I'm glad I learned from the best how to analyze income and how to structure a deal that will not fall apart AND that is a wise investment for the borrower. I'm glad that I did my home work and researched programs until all hours of the night. I'm glad that we are weeding out the bad apples and are getting back to basics. There is nothing wrong with asking buyers to prove their income....those deals don't end up in foreclosure! Those deals don't destroy neighborhoods and families.

With so much negativity in the news today about the housing market you may be asking yourself, "What's left?"  Plenty...the solid loan programs are in place and the reputable lenders are still here. It's a new day and the grass is green and the skies are blue. Let's close some loans!

1.  
   • FHA / VA Loans
   • Conventional
   • 95% FHA Cash-out Refinance
   • 10, 15, 20, 30 year mortgages
   • Fixed Rates
   • Single Parent Programs
   • Zero Down
   • Adjustable and Variable Rates
   • No Closing Cost Loans
   • Down Payment Assistance
   • Mortgage Refinance
   • Home Purchase
   • Fast Approvals
   • Jumbo Loans
   • 3, 5, 7 year ARM Products
   • Interest-only Mortgage Loans

"Dear Melissa,
I would like to send you a note of thanks for taking such great care of my client.  You definitely went out of your way.   You did so much for my client.  I will always send you my future business.  I also love the e-mail updates. I do not know anyone doing that.   Thanks again and I look forward to the next deal.
Sincerely," ~ Neil Schneider, AgentOwned Realty

"Dear Melissa,
We just wanted to say thanks for all your hard work, good advice and patience in helping us buy our first home! We also really appreciated that basket which arrived during closing. It was a thoughtful touch! Thanks again!" -Wayne & Cindy

"Thanks so much Melissa, This was the easiest loan that I have ever closed. Your professionalism and tenure in this transaction caused for happy clients and referrals from those clients.

I am so glad that you and your company are in our market to make this entire process hassle free for our clients.

Keep up the amazing work."

 ~Jeff Cook

An AgentOwned Realty Co.