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Contact Information
phone: (714) 603-9791
mobile: (714) 603-9791
fax: (714) 916-5015
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Kevin Michael Melody
Owner/Broker,  HB Community Mortgage & Realty
16458 Bolsa Chica,  162
Huntington Beach,  California  92649
6/12/2020
Live workshops suspended indefinitely for COVID-19.
About Me
I've been an active mortgage and real estate professional since 1990. I have a wide range of experience that includes all types of mortgage financing and real estate sales.
Since 2013 my primary focus has been on helping seniors with Reverse Mortgage financing and my philosophy is simple: the Golden Rule. I treat you the way I myself wish to be treated, as a unique individual human being who has value and purpose and a place in this world. You are a person, not a prospect, and your story matters to me.
I operate as a direct lender for conventional, government and reverse mortgage financing and as a broker for portfolio and niche products and I will draw upon all my knowledge, experience and resources to ensure you get the loan that best fits you and your unique situation at the lowest possible rate and cost and with the highest possible standard of personal service.
I will take the time to listen to you, understand your story and address your particular needs in the way that is best for you. I will never rush you or push you before you are ready. Call me any time, even if it's just to chat.
License Information
CA BRE 01073061 NMLS 88561
Employment History
Broker, HB Community Mortgage
Privately Held;1-10 employees;Reverse Mortgage
January 1990 - Present (31 Years 2 Months)
Kevin Michael Melody has been a Realtor and Mortgage professional in Southern California since 1990. Now based in Huntington Beach, Kevin assists buyers and sellers of residential property with all their needs. He uses his more than two decades of experience in mortgage lending and residential Real Estate to take his clients from start to finish on any type of transaction, with a special emphasis on "Old School" personal service. Sellers can take advantage of his intimate knowledge of financing to pre-screen buyers and offer creative solutions for self-employed, business owners and otherwise well-qualified buyers who may not fit traditional lending guidelines. He also assists homeowners looking to refinance to a better rate or lower payment, consolidate debts or get cash for home improvements, and even families whose homes are underwater can be helped under Fannie Mae's Home Affordable Refinance Program (HARP) and Freddie Mac's Open Access Relief Refinance for owner-occupied single-family homes, condos, manufactured homes, and 2-4 unit residential income properties, as well as vacation homes, rentals and investment property. Kevin is a proud veteran of the United States Air Force, and author of the 2001 book "What Lenders Don't Want You To Know."
Education
Kevin Michael Melody has not entered any Education Information
Client Testimonials
10/6/2020
“Excellent Service!!!!”
Kevin Melody has been a life saver for me. He worked with me on 2 reverse mortgage very closely. He even went and bought a strap for my water heater and installed it. I can not praise him enough to really let you know what a wonderful person he is and how much I trust him.
9/8/2020
“Thank you for your excellent service”
When a home owner has made a decision to refinance their home, they usually find the experience rather strained and very stressful. I was so relieved to feel so comfortable with Kevin Melody founder of HB Community Mortgage and Realty. Kevin lead me through the reverse mortgage process, answering any and all questions with patience and care, to make sure I fully understood his answers. He articulated every step to a fault with his knowledge, expertise and experience, which gave me the confidence that I was in the right hands with the person handling my Refinancing of my home. Kevin was extremely generous, covering some of the cost, as well as the appraisal and notary. If your thinking about a reverse mortgage, Mr. Melody is your guy, you have no need to look further.
9/2/2020
“We very much appreciate your great service!”
Thank you Kevin for being so helpful in maneuvering the reverse mortgage waters. You were able to answer our many questions as we were deciding what our best options were. Thanks for responding to our phone calls very quickly also. It made the biggest thing that we have done in decades not really stressful. We appreciate how kind and cool you were from day one to funding the loan. Thank you again and we wish you the very best!
8/26/2020
“AWESOME”
KEVIN WAS ALWAYS ON TOP OF THINGS AND TOOK THE TIME TO ANSWER ALL OUR QUESTIONS AND CONCERNS. OBTAINING OUR REVERSE MORTGAGE WAS SO SMOOTH AND EASY!! KEVIN WAS ALWAYS THERE TO HELP AND GUIDE US ALONG. HE WAS GREAT TO WORK WITH. WE WERE ACTUALLY PLEASANTLY SUPRISED THAT THE WHOLE PROCESS WAS VERY SEAMLESS AND SMOOTH!! WE WOULD RECOMMEND HIS SERVICES WITHOUT HESITATION!!