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Your Customized Mortgage Awaits!

I’m Melissa, a Tampa native with nearly 20 years of experience helping families achieve the security and stability of owning a home. Growing up here, I’m passionate about supporting my community by guiding my clients through the mortgage process with empathy and expertise. My Colombian heritage keeps me grounded in family values, honesty, and dedication.

NMLS # 1026726

One Step to Your Home

With over two decades of experience in the mortgage industry, Oscar Melendez has established himself as a knowledgeable and dedicated mortgage professional. For ten years, he served as a mortgage underwriter for top-tier institutions like USAA, Flagstar, and Caliber, where he developed a keen understanding of risk assessment, loan structuring, and underwriting standards. His meticulous attention to detail and commitment to quality continued during his three years as a Quality Credit and Compliance Analyst in the Secondary Market, ensuring adherence to compliance standards and maintaining high-quality credit operations.

NMLS # 354384

Loan types

Purchase

• Conventional Loans

• FHA loans

• VA Loans

• USDA Loans

• Jumbo Loans

• Manufactured Homes

• Down Payment Assistance

Home Equity

• Home Equity Lince of Credit (HELOC)

• Reverse Mortgages

Refinance

• Conventional Refinance

• FHA Refinance Streamline

• VA IRRRL

• USDA Rural Streamline

• FHA Cash out

• Jumbo Refinance

• Conventional Cash out

Non-QM

• Bank statements loans

• DSCR Loans Investors/Foreign Nationals

• ITIN Loans

• 1099/ P&L Loans

Specialized Services

My goal is to make the mortgage process clear, reliable, and accessible for you. Discover the options that best fit your needs

First-Time Buyers: Step-by-step support for your first home purchase.
Smart Refinancing: Easily reduce payments or access home equity.
Customized Loans: Tailored to your unique needs and goals

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Dreams Made Real

We appreciate our clients' trust.

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I’m here to help !

you every step of the way. Let’s talk

Ready to take the first step? Contact me today, and together we’ll find the best option for you.

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By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from American Mortgage Services Inc. I expressly consent to be contacted by American Mortgage Services Inc or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.

I’m here to help !

you every step of the way. Let’s talk

Ready to take the first step? Contact me today, and together we’ll find the best option for you.

Name

Email

Phone

Write your message

By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from American Mortgage Services Inc. I expressly consent to be contacted by American Mortgage Services Inc or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.

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+1 (813) 735-9395
+1 (813) 598-2875
melissa@amstampa.com
oscar@amstampa.com

NMLS # 259805

NMLS # 259805