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Melissa Rich

VP of Mortgage Lending
8315 Lee Hwy, Ste 600A, Fairfax, VA 22031
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NMLS: 1124764
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About Melissa

Being a military brat, I moved around the country and was accustomed to changing schools every two years. Eventually my family settled in the Washington DC area of Northern Virginia, and to me this is home.

My initial experience in the mortgage industry started after my freshman year at James Madison University. In order to pay for my college expenses, I needed to work several summer jobs. (One job simply would not cover tuition/living). My 9-5 job was an internship at a local mortgage company. It took me one summer to decide working with people and finance was where I saw myself in the future. When I headed back for my sophomore year, I immediately changed my major to Business with a concentration in Marketing.

For that experience, I am extremely grateful and still amazed that one summer internship could influence my career path.

Since graduating, I have been in the financial field both with residential mortgage as well as private wealth management. I took a Certified Financial Planning course at Georgetown University which included in depth classes on personal taxes and estate planning. These courses and experiences have provided me with an upper hand when working with clients, specifically self-employed, advanced tax returns, fixed income, etc. (These are my favorites!)

Currently I live in Washington DC with my loving spouse, Labrador puppy, and very patient cat. Since I am a product of military moving, I am grateful to have my two sisters and their families as well as my husband's extended family all in the Northern Virginia area. Thanksgivings have never been bigger!

Melissa interview Q&A

Who is your typical customer and what questions do they typically have?
My team and I like to take the mortgage approach as a significant financial decision that ultimately should be a part of your long-term financial goals. What is your goal with this new loan, and what is the best way to set up the new financing for your needs? It's more than a rate/monthly number, but it doesn't have to be too complicated either.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Some of my favorite scenarios involve complicated or in depth tax returns. I would say very few of my colleagues know how to read personal and business tax returns and know which items we can provide back as "income" or how to correctly calculate income from specific schedules. This knowledge gives me an upper hand with my high net worth clients who frequently have advanced tax returns or income.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Love this question! Redfin is very user friendly and I always direct clients to utilize the calculator within the listing. Zillow is another great app to use for reviewing previous sold homes within the past 6 months. I use both of these apps frequently for my own home purchases...which I love investing and designing homes.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I really love the outdoors. I am not quite the outdoors-woman that has gone backpacking, but I am slowly working my way to that point. Perhaps that is because I equally love eating...and I enjoy finding new restaurants or experiences in the city. Could there be a 50/50 balance?
Tell us something that makes you unique or something wacky, yet interesting about you?
One day I will re-design homes. The past two homes that I have owned have been guts and remodels from scratch. I hope to continue the trend!

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