Hi, My name is Shelly Mellomida and I would like to welcome you to my team here at Essex Mortgage My commitment is to help you make informed choices about your financing options when buying or re-financing your home.

Your home is one of the largest financial commitments that you will make during your life. Many people view their mortgage as just another monthly payment and may only think about home financing a few times during their lives ~ I think about it every single day. It's their home and their future. It's my profession and my passion.

As a mortgage planner, I am dedicated to helping you make the best mortgage decision possible - one that integrates your long and short term financial and investment goals. A mortgage is not just a loan; it’s one of your most important financial planning tools. From this day forward I will be guiding you every step of the way and supporting you with one of the most important financial investments you will ever make. This is a decision you made that my team and I take very seriously.

I understand that it's not just a house, it's your home!

It's important for you to know By Referral Only is the heart and success of my business. It allows me more time to concentrate on what is important to me and that is YOU rather than marketing. Sooner than later you will find yourself having conversations with friends, family and associates who are thinking of buying, selling, or ref-financing real estate, please don’t keep me a secret! The greatest compliment I can ever receive is recommending someone you care about to me. I look forward to continuing to serve you and your family in the future for years to come!

Click Here to learn How to Buy Lovely Homes in Northern California with Zero Down Payment.