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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
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 (30 Years 6 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."
Kevin Michael Melody has not entered any Education Information
Client Testimonials
“Loan Pro”
Getting a Reverse Mortgage is a daunting task and having a trustworthy and knowledgeable person on your side makes things go smoothly. Kevin was there for me at every turn making my loan process smooth and painless. He kept me in the loop and comfortable at all times. He will work with you and make sure that necessary items are handled in a quick and professional manner. Let him work with you and be at ease.
“Highest Regards”
Mr. Melody helped me for over 6 months on my loan. He was very patient and helpful through the whole process and every detail was handled professionally. i would recommend him with highest regards.
“Highly Recommended!”
We found Kevin to be honest, informative, and extremely competent in the processing of our reverse mortgage loan. We would highly recommend him as a loan officer and greatly respect him as a person.
“Thank you for the excellent service”
Mr. Melody walked me graciously through this process with trustworthiness. I did not know what to expect and felt somewhat uneasy. He calmed me when I needed it and was very patient and informative. He was polite, courteous, knowledgeable and informative. I would like to take this opportunity to thank him for his assistance and timeliness in assisting me in answering any questions I had and in obtaining my loan. He was never short with me and he never made me feel inferior in any of the questions I asked him. Because of him I would recommend this program to anyone I know. I trust him implicitly. Thank you.