Hello and welcome to our website. My name is Vern Melton and I am a Senior Loan Officer and Mortgage Planner for Team 3 at American Residential Mortgage. The page you are viewing is our personal team page. Our team believes it is important for you to meet the team you will be working with throughout the loan process, as well as putting a face with the name.

If you choose to apply for a loan anywhere on this site your application will come directly to my team. Or, you may simply call me directly at 760-420-5489 to discuss your particular financial needs. We represent over 300 lenders nationwide, you will be communicating directly with our office in Jackson County. My pledge to you is that you will not get lost in the “big lender shuffle” and will not get transferred from one department to another. Whether you are on the east coast, west coast, or somewhere in-between you can be assured my team and I will work very hard to earn your trust and obtain your business. As a national mortgage company, we have agents in every city throughout the United States, which allows you to sign your loan documents at a time and location convenient for you. We can make arrangements for an agent to come directly to your home or office, or you may sign at the agent's office – your choice.

So, let's get started today by applying online, or just give us a call.

Vern Melton
760-420-5489 : License # ML-3967
Email: vern@myloanworld.com

Clients find that I am very patient and understanding and will go the extra mile to help. I really enjoy helping clients get approved who have been turned down somewhere else, or didn't think they could even get approved for a loan. There is never a dull moment in this business, as each loan is different. I enjoy the challenge of getting a great rate for borrowers, or hearing the sigh of relief over the phone when I have just told them their loan has funded and we just paid off all of their nagging credit card bills and saved them over $1,000 per month.

I won't bore you with my detailed experience over the last 30 years in the real estate and mortgage business, but will provide you with a few of my career highlights:

* Licensed Mortgage and Real Estate Broker
* Certified Investment Real Estate Specialist
* Commercial Real Estate Sales
* Veteran USMC

My goal is to provide each customer with the highest level of service, integrity and professionalism, making the loan process easy and enjoyable for everyone involved. I look forward to the opportunity to serve you and your family.

Terri O'Connell
760-420-5489
Email: terri@myloanworld.com

My position necessitates working closely with you and the loan officer in an effort to help close your loan quickly and efficiently. My extensive experience in the mortgage industry and commitment to simplifying the loan process is what produces satisfied clients and underwriters. A few of my responsibilities include opening escrow, ordering the preliminary title report, and arranging your appraisal. I'll also work directly with you in obtaining all mandatory compliance papers, as well as any additional documentation necessary to complete your loan closing.

I also won't provide you with a list of humdrum accomplishments, but will list a few of my qualifications:

* Certified Encompass and Calyx Point Loan Processor
* Licensed Mortgage and Real Estate Agent
* Residential Real Estate Sales

My commitment to customer satisfaction is unsurpassed. I welcome you to call or email with questions and I look forward to serving your loan processing needs in the near future.

A Final note … Being your mortgage loan team for life is not only our philosophy, but also a life-long commitment to providing you exceptional personalized service beyond your expectations. It is our philosophy to listen, hear and truly understand your needs, a quality of business conduct that is usually forgotten these days.