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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 11:00AM – 3:00PM
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- First-Time Homebuyers
- Home Equity
- Investment Property
- Non-QM Loans
- Renovation Loan
Your Local CrossCountry Mortgage Loan Officer
Melanie Kelly-Ruiz
America’s #1 Retail Mortgage Lender
Hi, I’m Melanie Kelly-Ruiz, based in Houston, TX, and I’m excited to help you open the doors to your dream home. For 28 years, I’ve thrived in retail sales leadership, fostering a deep passion for outstanding customer service. Combine that with my love for all things finance and real estate, and you get someone genuinely thrilled to help you navigate your homeownership journey.
Coming from a service-oriented background, I understand firsthand the importance of prioritizing client satisfaction and ensuring every detail is taken care of. Whether it’s guiding you through the intricacies of the mortgage process or adapting to any changes along the way, I approach every interaction with integrity, honesty, and a genuine desire to make your journey as smooth and stress-free as possible.
Whether you’re ready to apply or have questions that need answers, let’s work together to open the doors to your next chapter. As part of America’s #1 Retail Mortgage Lender, I’m here to make your dream a reality.
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