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https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo
Senior Loan Officer NMLS# 12696
Marco Melo is a trusted mortgage professional in Middletown, RI 02842
With over 25 years in the mortgage industry, Marco Melo has helped more than 2,000 families secure the financing they need to make their homeownership dreams come true. What sets Marco apart is the genuine care he puts into every relationship—his clients don’t just work with him once; they retur...
5 (5 stars)
Sarah D. from Westerly, RI
Completed transaction in April 18, 2026
Marco was incredible to work with! He answered all of my many questions and was always quick to respond. He was also incredibly helpful in providing us with monthly mortgage payment and closing cost estimations for each home we were hoping to see. This was instrumental in helping us understand how much we could afford and led us to the home of our dreams!!
5 (5 stars)
Timothy W. from Manchester, NH
Completed transaction in April 03, 2026
Marco was very pleasant to work with. Always responded to questions quickly. He worked with us to get the best rate after trying many different companies. Every experience was pleasant and Informative. Will work with again!
5 (5 stars)
Brittany W. from Manchester, NH
Completed transaction in April 03, 2026
Marco was extremely helpful, patient, and kind throughout the entire home buying and closing process. He took the time to answer all our questions, was always available on short notice, and made sure everything stayed on track and at the rate promised. We couldn't have asked for anyone better to help us through our first home buying experience.
5 (5 stars)
Cameron S. from Middletown, RI
Completed transaction in April 01, 2026
Marco was an excellent and invaluable resource during our homebuying hunt and purchase. He was always available and was extremely knowledeable om any questions we had. He truly made the process a lot less stressful. It was a pleasure working with Marco and we will continue to stay in contact over the years as our needs change. We could not be happier with our experience . Thank you, Marco!
5 (5 stars)
Olivia T. from Randolph, MA
Completed transaction in January 17, 2026
Very responsibe
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Marco Melo can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Marco Melo at our Middletown branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Middletown and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Marco Melo is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Marco Melo will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Marco Melo will walk you through your options and help you find the right fit.
4.97 (454 Reviews)
