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Jeffrey Melo

(888) 335-1434
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26111 Marguerite Pkwy #A
Mission Viejo, CA 92692


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Professional Philosophy

“Through best-in-class expertise, personalized customer service, and most importantly compassion, we strive to provide the most competitive products in the marketplace while demystifying the mortgage process for clients. Home Financing serves as a tenacious advocate for its clients every step of the way, earning both their trust and respect.”


Home Financing was founded by Jeffrey Melo in 2007. To understand what makes Home Financing different from other lenders, it is important to understand why Home Financing was created as well as understanding its founder.

Jeffrey Melo graduated from UC Berkeley with a BA in Psychology and later received a MBA from the University of Illinois. He spent much of his career at Procter and Gamble in marketing and finance. After leaving Procter and Gamble, he served as a partner for a large advertising agency.  In 2006, Mr. Melo purchased a home in Southern California and was astounded at the inherent dysfunction of the mortgage process.  An entrepreneur at heart, Mr. Melo saw the opportunity to “create a better mouse trap” by starting a firm that could provide the most competitive mortgage products while attracting top talent to a company founded on customer service, honesty and respect for their clients.  Jeffrey Melo continues to be the Owner/Operator of Home Financing on a day-to-day basis, ensuring that the principles on which it was founded are met every day for both its business partners and clients.

Home Financing has grown its revenue every year since 2007, even during the worst mortgage market in history. While many mortgage companies ventured out into loss mitigation, credit repair, real estate, or loan modifications, Home Financing remained dedicated to mortgage financing and prospered.  In doing so, it has developed a streamlined mortgage process staffed by the top mortgage bankers in the industry.  The company has attracted the #1 Mortgage Bankers from several top competitors who saw that by working in a progressive, flexible organization they could provide better products and service to their clients.  In addition, the Home Financing processing staff has earned accolades from virtually every business partner they have served.

Home Financing is a direct lender that boasts a record 8 calendar day close on a purchase with most loans ready to close in 17 days. Both clients and business partners rave about Home Financing’s expertise, customer service and mastery of its trade.  Home Financing Inc. does one thing better than anyone else and it’s all in the name- HOME FINANCING!!!!


What do Clients think about Jeffrey Melo?

I had been told repeatedly that we were unable to refinance during the real estate downturn. Our daughter and husband used Jeff for financing their first home, and strongly recommended him to us.  Dubious, but willing, we contacted Jeff, and he has competently, kindly, humorously and effectively gotten us refinanced.  He kept us apprised of all aspects throughout the process, explained everything for us, and we closed our refinance relatively quickly. If it is possible to “enjoy” that process, then our relationship with Jeff from start to finish was actually a most pleasant experience.  We will use him henceforth, and we will recommend him often.

Bette and Frank Brooks


What do Business Partners think about Home Financing?

“I have worked with Home Financing, Inc. and its staff for several years now. I only have great things to say about the company and the way they operate. They rank at the top of my list of mortgage banks. The Mortgage Bankers and Processors are extremely efficient and organized which always helps to create a smooth transaction.  The staff is knowledgeable, personable, dependable and responsive. It is so nice to work with professionals who communicate so well. There are never any surprises when working with Home Financing. They keep me apprised of what is going on in every transaction so that I can do my job efficiently.

I work with several companies, and I can honestly say that Home Financing’s customer service is second to none. It is very apparent that their client’s best interests come first. Everyone from the Mortgage Bankers, to the Processors, to the Owner is first rate at what they do. I am lucky to work with Home Financing and its employees.  It is a relationship that I hope will continue for many years to come.”

Cheyenne Cruz- Branch Manager- Everest Escrow

“We take great pride in working with Jeff Melo, the Owner, and his team at Home Financing Inc.   Jeff’s personal involvement ensures an unprecedented quality in service and knowledge for every transaction.  Providing insight into current market trends, Home Financing is always ahead of the curve, and is able to pass along those benefits to clients for the most efficient, cost effective closings.

The Fidelity Team is dedicated to achieving and maintaining the high level of standards that Home Financing Inc. anticipates in every transaction. With analogous service levels and expectations, we’ve found that our mutual focus on customers results in an exceptional quality of service overall.”

Fawn Downing- AVP Fidelity National Title