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Nice to meet you! My name is,

James Mello

Senior Loan Officer
NMLS#: 1509563

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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Hello, welcome to my page.

With over 34 years of experience in financial services and mortgage lending, I bring a consultative, solution-driven approach to every client relationship. My expertise includes negotiation, consultative selling, and team leadership, allowing me to structure tailored mortgage solutions that align with each client’s unique financial goals.

I am licensed to do business in Florida, North Carolina, Georgia, Virginia, Tennessee, and California, enabling my team and me to effectively serve a wide range of borrowers across multiple markets. At EZIP Mortgage, we specialize in innovative loan programs and a streamlined lending process designed to deliver clarity, confidence, and results.

My mission is to build long-lasting relationships by helping homeowners and investors navigate the complexities of mortgage financing with transparency and ease. Driven by a commitment to excellence, our team is dedicated to providing personalized lending solutions across a broad spectrum of loan programs.

Lending specialties include:

  • Conventional, FHA, VA & USDA Loans
  • Jumbo & Non-Conforming Loans
  • Reverse Mortgages
  • Bridge Loans & Private Financing
  • Residential & Commercial Loans
  • Land Loans & Construction-to-Permanent Financing
  • Refinancing & Delayed Financing
  • Grant Procurement Programs
  • Investment Property Financing
  • NO Ratio Lending
  • Foreign National & DSCR Lending
  • Financing for Cash Buyers
  • And more

Let’s move forward together and create exceptional lending experiences for you and your clients.

📞 Call today: (239) 247-1356
NMLS#: 1509563

All-in-One Solution

Our Loan Process...

PRE-QUALIFY

A loan prequalification sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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