Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
.png)
10002 NE. 13th Avenue
Suite 110
Melissa Taka Kersner, NMLSR# 1509845, is a knowledgeable and approachable Mortgage Consultant with a passion for guiding clients through the home loan process. Whether you're a first-time homebuyer, refinancing, or exploring investment opportunities, Melissa takes the time to understand your financial goals and tailors her guidance with clear communication and attention to detail. She knows her stuff – and she’s here to help you navigate every step with confidence.
Outside of work, Melissa enjoys wine tastings with friends, traveling, attending ballet performances, and unwinding with a good book alongside her cat, Ophelia.
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
What our customers are saying
We had several challenges with our loan and Melissa worked very hard to get us through the process with a great result.
Melissa went above and beyond to make our home purchase smooth and an enjoyable experience. She was always willing to answer any questions I had, which were many. I would highly recommend her to any of my friends and already have!
Melissa Kershner was very professional and prompt, but most importantly, she was personable. 10/10 experience.
Melissa was on top of each step and communicated with us helpful tips.
Communication and availability was fantastic. Answers and follow-through were given in a timely manner.
Melissa was extremely knowable and explained everything in detail. She was willing to answer all our questions whenever we called or emailed. I appreciate her warm friendly personality. I can feel her smile over the phone.
Melissa went above and beyond in her assistance with my loan. She was professional yet compassionate when we encountered obstacles during the refinance process. Melissa worked hard to secure me the best loan and continually kept things moving forward. I highly recommend Melissa to anyone looking for a knowledgeable and emotionally intelligent mortgage professional.
Stock options for her.
You helped me through the whole process of purchasing a new home. It was great service and I was able to move in on the appointed date. Thank you so much.
Melissa was fantastic in keeping us up to date on the process of our loan, what was needed and what our options were for the various loans. She was very friendly, and I never felt like she didn’t have time to answer our questions.
Melissa was very responsive and helped me step by step from loan application through the purchase of the property, working closely with my real estate agent. I was selling my home in another state and purchasing a home in Washington. The real estate laws and practices differed between the states. Melissa navigated the issues successfully and took extra time and care to make sure everything went well for me during the entire process. Highly recommended!
Melissa was a true partner from start to finish, always available for questions. We so appreciated having Melissa in our corner!
Melissa and her team did a great job facilitating our loan application at a time when the entire mortgage industry was swamped due to high demand from record low interest rates and multiple COVID-19 related factors. Communication was critical and in our case excellent. We closed and recorded on schedule which was the ultimate goal. Thank you!!
Melissa was always there to give us the information that we needed or to help us understand things that maybe might have been confusing. From the 1st phone call I had with Melissa she made me feel as if we had been old friends and knew each other, she was ready to help us through any situation that might come up.
Melissa makes the process so easy. She is very professional, answers any questions one might have, and is timely in the turnaround process. This is our second experience with Melissa and would recommend her to anyone looking for a mortgage or refinance. Sincerely, Doreen Marchetti
Melissa really cares for her clients. I feel like I’m being taken care of. She is a dream to work with
Melissa was friendly, knowledgeable & very easy to communicate with. She presented information clearly and nothing was ever too much trouble. I would not hesitate to recommend her to all of my family and friends.
Melissa was very good at communicating every step of the process. She was quick to respond to questions and was very helpful running different financial scenarios so we could make as informed a decision as possible. She helped make a possibly stressful financing process seem pleasant! I highly recommend working with her.
Melissa was wonderful. She kept us up to date and well informed throughout the process.
We had several challenges with our loan and Melissa worked very hard to get us through the process with a great result.
Melissa went above and beyond to make our home purchase smooth and an enjoyable experience. She was always willing to answer any questions I had, which were many. I would highly recommend her to any of my friends and already have!
Melissa Kershner was very professional and prompt, but most importantly, she was personable. 10/10 experience.
Melissa was on top of each step and communicated with us helpful tips.
Calculate Your Mortgage Payment
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
%20(1).png)
My Home Mortgage
The ProsperityNow app is a mobile application that helps Loan Officers enhance relationships, stay ahead of the competition and close loans faster! Loan Officers stay front and center with individually branded apps!
