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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
7/16/2020
“Exceptional loan made ADU possible”
WIth funds left to secure retirement. Kevin offered 50% higher loan amount; over other lenders that I spoke with over two years. So naturally, after Kevin verified the loan, I went for it. Am in planning stages with architect after having parcel surveyed and site plan generated. Recommend Mr. Melody to all my friends and neighbors! Thanks again Kevin Regards, James Bird
7/16/2020
“Twice is nice!”
Kevin helped me refinance my existing reverse mortgage to reduce the rate and increase the credit line. I was very pleased with the service and would recommend him to anyone interested in this type of financing.
7/19/2020
“My experience was highly professional and humane”
From my first conversation with Kevin, I was sure that our business would end well. Our communication in Spanish was perfect. He knew very well what my need was and helped me meet all the requirements I needed. Clarity, professionalism, honesty and human quality were the norm that distinguished our relationship. He always gave me all his support and help, but with maximum respect for the rules. Honestly, I recommend him 100% because he knows his work very well and because he is a man of noble feelings. Jorge Zajia
7/20/2020
“Excellent experience”
When I first spoke to Keven Melody, he told me that decisions that are made about issues that come up are handled by his company internally because of their financial strength. This turned out to be true. Kevin was honest, knowledgable, communicative, accessible and always pleasant. I wholeheartedly recommend Kevin and his company.
7/22/2020
“A truly Great Experience”
Over the years we have dealt with a number of individuals with purchasing property, refinancing, acquiring loans, etc.. This is the first time we can truly say we had positive, trusting and very pleasant personal experience. Kevin has gone above and beyond with assisting us with our refinancing. He has guided us through the whole process, been there immediately to answer any questions, and followed up on issues in an extremely timely manner. My spouse was extremely ill during our refinancing process. Kevin had to change appointment times and dates several times to accommodate hospital stays. He did so in a caring and compassionate manner and always accommodated our availability. I would not hesitate to do business with this young man again, and would highly recommend him.
7/23/2020
“Reverse Loan closed on schedule. as promised.”
We called Kevin after dealing with another well-known reverse mortgage company, who gave us the runaround. It was a delightful contrast speaking with Kevin, I received clear, honest, intelligent answers to all my questions and he gave us a clear understanding of what a Reverse Mortgage was.. We gathered and sent in all the information that Kevin asked for and I appreciated how he kept us abreast of the status of our application. We had a few complications in our application that we feared would delay closing but Kevin worked hard and constant in processing our loan and closed on schedule. This loan with the credit line has given us peace as we now have an emergency fund and the funds to make any home reparations. We highly recommend Kevin Melody to take care of your loan needs.
7/23/2020
“Thank you for your professional excellence”
Kevin assisted us in obtaining our initial reverse mortgage 4 years ago. Kevin made the entire process as easily as anyone could for us. All our questions were answered fully and he worked tirelessly to ensure the entire experience was enjoyable and without the stress associated with not knowing if this was the right thing for us to do. So when the opportunity arose to further reduce our initial costs and refinance our loan we called on Kevin to make it happen for us. Once again his tireless efforts on our behalf resulted in a positive result. We could not be happier with the outcome and our gratitude and appreciation for his work on our behalf cannot be fully expressed in words alone. Thank you Kevin.
8/25/2020
“Exceptional Service”
I wanted to take a moment, as a retired banker, to say that Kevin Melody is everything that you want in a Broker. He never gave up on finding a reduced rate reverse mortgage for me. I have dealt for 45 years as a financial professional and I would rank Kevin Melody along with the 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!!
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!