https://www.embracehomeloans.com/media/yhgnvz1u/mmelo_bio72.jpg
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)
Diana C. from Wappingers Falls, NY
Completed transaction in June 28, 2026
Marco Melo made the entire process so much easier, and his professionalism and dedication were outstanding. I truly appreciate everything he did for me. Marco was amazing to work with, and I couldn’t have done it without his support.
5 (5 stars)
Peter S. from Bend, OR
Completed transaction in June 19, 2026
Couldn't recommend more
5 (5 stars)
Tara W. from Bend, OR
Completed transaction in June 18, 2026
Marco was incredibly responsive during the loan process and always returned calls & emails right away. His communication was outstanding and we would highly recommend him for any mortgage needs.
5 (5 stars)
Jean F. from Assonet, MA
Completed transaction in June 16, 2026
The personal attention was much appreciated.
5 (5 stars)
Renee P. from Washington, DC
Completed transaction in June 16, 2026
Easy to communicate with, professional and got the job done in time.
Get on My Rate-Watch List
I'll reach out personally when the numbers make sense for your situation.
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 (461 Reviews)
