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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)
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
4 (4 stars)
Vinh An Thanh V. from Randolph, MA
Completed transaction in January 17, 2026
Thank you for your help Marco
5 (5 stars)
Margaret J. from Penhook, VA
Completed transaction in December 04, 2025
⭐️⭐️⭐️⭐️⭐️ Five-Star Review I had an absolutely GREAT experience working with Marco, and I cannot speak highly enough about the value he brought to this transaction. From start to finish, Marco was highly communicative and worked tirelessly to meet the goals of both the client and even me as their associate broker and representative real estate agent. His approach was consistently collaborative, professional, and exceptional. Marco demonstrated not only a deep understanding of the process but also an impressive level of intelligence, care, and perseverance—qualities that truly set him apart. At every turn, he proved himself to be a priceless member of the team. Thanks to his dedication, we successfully closed on a stunning Smith Mountain Lake, Virginia waterfront home for the Horwitz family, who purchased their beautiful home for $2,725,000.00. And we did it just in the nick of time before the Thanksgiving holiday, which was no small feat. Marco’s commitment, steady communication, and unwavering support made all the difference. It was genuinely a pleasure to work alongside him, and I’m grateful for the exceptional service he provided. Highly, highly recommend! ~ Margaret Craye, REALTOR, Team Leader Lifestyle and Lake Real Estate Group | EXP Realty, LLC - SML
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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 (452 Reviews)
