About Lauren Melonas
Here to Help People Find Home.
I'm a Mortgage Originator, a Mom, and a Military Spouse who knows firsthand what it means to pick up and start over 🏡 🔑
"My goal as an experienced mortgage loan officer is to guide all potential homebuyers through a customized financing process from start to finish and far beyond closing day."
2027 Five Star Mortgage Professional
Award Winner
I was born and raised in sunny San Diego, CA — where I played all the sports in high school and went on to play D1 NCAA women's soccer at California State University, Long Beach. Go Beach!
As a military spouse, I've navigated the unique challenges of VA loans, frequent relocations, and tight timelines firsthand. That experience gives me a perspective most lenders simply don't have.
It's so important to make each house a home — a place where memories are made. That personal experience is what drives me to show up for every single client the way I wish someone had shown up for me.
My Approach
What Sets Me Apart
Personalized Process
No two buyers are the same. I take the time to understand your goals, your timeline, and your financial picture before recommending a single loan product.
Beyond Closing Day
My relationship with clients doesn't end at the closing table. I'm a resource for life — whether you're refinancing, moving again, purchasing investment property, or just have questions years later.
Military Family Insight
As a military spouse, I understand the unique challenges of VA loans, frequent moves, and tight timelines. I've lived it — and I'll guide you through it.
2027 Five Star Mortgage Professional
Recognized among the top-rated mortgage professionals in San Diego, CA — an honor awarded to fewer than 2% of mortgage professionals based on client satisfaction and overall excellence.
Client REVIEWS
What Clients Are Saying
"Lauren is the best! She has consistently handled all my mortgage financing needs over many years, providing great service and patiently walking me through various options and scenarios. I highly recommend Lauren!"
"Lauren was a great resource. She was always available and willing to answer any questions that I had. She helped me as a first time buyer feel at peace knowing she has my best interest. Very grateful for her support and dedication into getting my loan approved and getting my first house. Thank you Lauren!"
"Lauren was amazing to work with throughout our entire mortgage process! She's always advocating for you and available when you need her. She went out of her way multiple times to ensure we got the best rate possible and even streamlined the process to ensure it was a positive and efficient home buying experience. She communicates extremely well, whether it's proactive explanations, answering questions, or just checking in. Every interaction was filled with positivity and we highly recommend working with her!"
"From beginning to end, Lauren and her team were fantastic. Answered all our questions, walked us through all the minutiae (and some hurdles) and always took our phone call, no matter what hour of day or night. Knows her stuff, too. Her enthusiasm was infectious. Highly recommended."
"I LOVE HER!!! This is the second time I have used Lauren for a home loan and as long as she's still in business, she's the only lender I'll ever use. She literally made the process seamless. Zero issues. Zero stress. A dream! I'm an anxious mess and I never once had to stress. She is super easy to communicate with. I never waited more than an hour for a reply via email and literally any time I called she answered or would text me telling me a time she would call back. She's amazing and I will never work with another lender but her and her team!"