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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
Client Testimonials
5/21/2015
“Retired Postal and County Welfare Employees”
Well Kevin Michael Melody has done it again. I know for a fact that this has been one of his most difficult loans. Kevin was very professional and NEVER gave up hope. We need more people like Mr. Melody in this world. Kevin, thanks so much and the highest marks go out to you. Hopefully the next loan we send your way will not be as difficult :-). Your the best and have the patience of Job. You made our life easier. Thanks Ernest and Lueanna Mitchell Daughter Sandra Harding
7/28/2015
“Best Service Around!!”
I had the pleasure of meeting Kevin after reaching out to him with questions regarding Mortgage Alternative Programs. I had several challenges that I believe would be major roadblocks for getting an approved loan. After speaking with Kevin and explaining my situation, he confidently shared options with me that would help to make those perceived roadblocks go away. With his expert skills he accessed my credit report and considered everything that I had presented to him and was able to develop a plan of action that would help me to purchase a home. Kevin is very knowledgeable, personable and honest. He had my best interest in mind as he worked to find the right lender for me. I had spoken to a number of other brokers and agents that would hear my challenges and would tell me things that were simply not true. I think they were good people but lacked that experience to help me overcome those challenges. Kevin took the challenge head on and within 45 days we ready to go! My family and I are currently enjoying our new home. Thanks Kevin for making my needs a priority and making this happen.
9/2/2015
“Professionalism, Excellent Experience!”
Thanks Kevin for all your hard work on my VA home loan purchase. There were times when I thought that it wouldn’t go through because of all the challenges that were present in my scenario. But your persistence and willingness to go the extra mile is what made the difference. I would definitely recommend anyone needing help with obtaining a loan to purchase a home or to refinance. Never say never, until Kevin has worked on it! Kevin was very knowledgeable throughout the process and from his vast wealth of experience and resources he was able to overcome the many hurdles in my scenario that would have otherwise impeded my home purchase. Now I am officially a first time homeowner and me and my children now have a place to truly call home. Thanks again!
10/20/2015
“Mr and Mrs”
Thank you so much for all your help and the very friendly and professional way you handled every stage of the process to obtain this line of credit. We are happy and satisfied with everything that went on and will definitely recommend you to our friends and people we know.
12/22/2015
“Our 2nd Reverse Mortgage”
We truly wish that we had Kevin on our 1st Reverse Mortgage. That would have saved us a ton of money. His truthfulness, honesty and candor are refreshing in this day and age. He said what he could and would do and then went out and did it. Thank You Kevin
2/23/2016
“Thank you for the excellent service.”
Kevin's knowledge and professionalism made our experience with him a very pleasant one. He was always prompt in answering our questions and addressing our concerns. He was true to his word. He did everything he said he would do. We felt we couldn't have been in better hands.
3/28/2016
“Thank you for the superb service!!”
I am a senior and a divorced single woman and solely responsible for my income. I had to work to support myself right up to age 70. I was making very good money in sales plus drawing my social security and had been with the company for 13 years until the company sold the business. I had only one investment which was not enough to retire and I found myself in the job market facing age discrimination. Unable to find a job for several years in sales I was forced to look in other areas and could not find anything that paid well at all. Finally I found myself at age 76 with my back against the wall with nowhere to turn. At that point I attended a seminar given by Kevin Melody, owner of H.B. community mortgage in Huntington Beach on Reverse Mortgages. Right afterwards he began working with me and it was obvious that a Reverse Mortgage was my only option. The process took a couple of months but he did a superb job in compiling all the data. He met with me regularly in my home and supported me throughout the entire process. No other broker that I had contacted heretofore was able to help me financially to fund the closing costs but Kevin covered every base until the amount was paid and the loan closed. I cannot say enough about his incredible service and resources to make this happen for me. I highly recommend him to anyone who is in a difficult financial position who needs the total support. Now I don't have to make another house payment for the rest of my life. Sincerely, Julie Joy Mission Viejo, Ca
5/4/2016
“Thank you for the excellent service”
Kevin Melody provides superior service for anyone interested in obtaining a reverse mortgage. My wife and I had some trepidation in converting a conventional mortgage we have had for over 40 years. Kevin's professional approach in educating and coaching his clients through the process is outstanding. Our fears were eliminated from the very first meeting with kevin. Bottom line: Professional, subject matter expert, service oriented and always there for his clients, first and foremost. We highly recommend his services to anyone.
5/5/2016
“Amazing, Warm, Professional!”
Words cannot explain how grateful my family and I are to have Kevin Melody and his son Daniel refinance our house. The service was pain-free, fast and punctuality is 100%!!! I would highly recommend Kevin and Dan to anyone! Thank you very very much and blessed to know you!
5/13/2016
“Very knowledgeable and helpful”
We had done our research, but still had a lot of questions. Kevin answered them and stepped us through the process in a way that allowed us to feel comfortable with our decision. Our reverse mortgage is working well for us. It was the right decision for us.