Melissa Milton – Commerce Home Mortgage

Got the job done. Only negative thing is that Melissa does take her time to get back to you sometime — I had to find someone else on a second mortgage.

Melissa is about as good as you can get! Being a real estate broker in this highly competitive market, not only are you in very competent hands with her, but she becomes a strong term on your contract! I had seen/​heard her speak at many meetings and became keenly aware of how smart she is and started referring her to clients and never looked back. She has strong morals and ethics in looking out for client’s best interest, is well connected to help get the best rates and quickest close but also has a whitty personality to add fun to the process! You won’t be disappointed working with her! She’s a gem!

Melissa was recommended to us by our realtor and I had a wonderful experience working with her. As a first time home buyer, I had no idea how critical having a patient, thorough and responsive broker was but in the highly competitive Bay Area real estate market, these qualities were critical in getting our 2^nd offer accepted on our first home.
PATIENT
During the pre-​approval process, she walked us through our options and answered all the questions we had (and the questions we didn’t think to ask). We spent over an hour during our first meeting and were able to move quickly into our house search with a realistic budget in mind.
THOROUGH
Melissa was very detailed oriented in all of our communications and outlined what she needed from us by when during the approval and offer process. She caught a MAJOR issue in our mortgage application that could have been a deal breaker for our loan approval but thanks to her we were able to catch the issue and resolve before submitting our loan application
RESPONSIVE
Having a responsive broker and agent team is critical in winning in this real estate market and Melissa was always available by office, cell or email and would even follow up with us over the weekend to remind us of deadlines for documentation. This approach was critical once our offer was successful with a very quick 21 day close
I would highly recommend Melissa to anyone purchasing a home in the Bay Area and will un-​doubt-​ably use her again should I need to re-​finance or purchase another home.

Melissa is amazing! She knows everything there is to know about the mortgage lending process. She also has a great reputation which is incredibly important in getting offers accepted in this competitive market. She is smart, thorough, patient, generous with her time and exceptionally clear about what to expect at every step of the way. Look no further!

We loved working with Melissa. She is super-​efficient, quick to turn things around, hugely knowledgable, and very supportive. She helped us find a fantastic buyer’s agent, and her reputation clearly precedes her in some very good ways. We worked with her to purchase a property in Oakland that went into multiple bids, including one that was higher than our offer, and the fact that we were working with Melissa was the reason the sellers went with our offer. Their agent knew that if she was in the deal, that it was solid and was going to go through. So she pretty much made it happen!

Melissa helped me buy my home in Berkeley at a difficult time and everything went smoothly. With her knowledge, guidance and professional reputation she helped this seemingly impossible dream come true! I later used Melissa to refinance and while getting a great rate she also made everything easy for me despite my busy schedule. On several occasions she picked up or dropped off documents at my home when I was unable to get them to her electronically. If you want to get it done, Melissa will do it!

My husband and I recently worked with Melissa to get a mortgage on our first home in the Berkeley area. We could not recommend her more! Melissa is the quarterback you want to have to make sure the various moving parts of obtaining a mortgage happen quickly and fluidly. We were able to get a great rate and she walked us through various lending options so that we felt informed when making our decisions. In our day-​to-​day interactions, Melissa was always available and responsive. We were juggling work and a new baby, so Melissa’s help made the process super easy. As other reviewers have pointed out, Melissa is very well-​respected within the community which helps a great deal when trying to communicate with so many parties during escrow. We would easily choose to work with her again in the future.

My partner and I recently worked with Melissa to get a mortgage. As first-​time homeowners, there was a steep learning curve and we could not have done this without Melissa’s assistance. We were working under challenging circumstances, as my partner and I live in different cities, my partner is transitioning jobs this summer, and we were leaving the country during closing week. From the beginning, Melissa was clearly committed to making this happen and quickly and skillfully guided us through the various steps, providing options and solutions to challenges along the way. She was always available (even when she sounded deathly ill!) for advice, to answer questions, or to explain something over the phone and email. She is an expert communicator, kind, talented, and thorough. Thanks to Melissa and our equally talented agent, Janet Kaplan at Red Oak Realty, we closed in three weeks!

Melissa recently helped my fiancé and I get our mortgage for our first home, and made it happen in less than a month. She is extremely organized, professional, and reliable. We felt like we were in such good hands. Melissa has a great reputation in the East Bay as well and it sounds like many selling agents really like working with her. We feel this contributed greatly to our offer being accepted, with 11 other offers on the table. Her ability to complete everything in such a short period of time was impressive.
I highly, highly recommend working with Melissa. We hope to work with her again down the road.

Melissa was great! She got us pre-​approved very quickly and then stepped us through an FHA loan perfectly. No glitches. I would definitely do business with her again.

Melissa worked with me on a very competitive real estate transaction in Crocker Highlands. Not only did she pre-​approve my clients in a short period of time, she worked with me extensively to position my clients to win the offer. This included calling the listing agent of the property, the morning I presented my offer and encouraging them to increase their downpayment. After we one the offer process (there were more-​than ten offers), she was able to meet all of our tight deadlines, and we even closed early in 15 days. My clients are VERY happy homeowners, and I know that they were delivered superior service. A great story and result all around.