Melissa Hughes Back to Mortgage Loan Officers Melissa Hughes Mortgage Loan Officer NMLS# 1136503 melissa.hughes@vacu.org Office: (540) 983-9144 Fax: (804) 267-1433 Hi, I’m Melissa, your local mortgage expert.I began my career with the credit union in 2002 and became a mortgage loan officer in 2021. I’m passionate about advocating for our members. The best part of my job is helping people in my community achieve their dream of homeownership. I’m known for my strong communication skills and I strive to provide a smooth experience from prequalification to closing.I was born and raised in Salem, Virginia, where I still reside with my husband and our dog, Macy. During the warmer months, you can often find me near the water or camping with family. I also enjoy cheering on my favorite NFL team throughout the season. Apply with Melissa Why work with a VACU mortgage loan officer?As a local mortgage loan officer, I'm here to help you navigate the home financing process with confidence. Along with my personalized guidance and local expertise, I can assist with:Mortgages for your primary residence, second homes, or investment propertiesNo-closing-cost optionsHome Equity and Home Equity Line of Credit (HELOC) optionsAdjustable-rate mortgagesFirst-time homebuyer loansLow down payment optionsSpecialty loans, including 100%-financing and jumbo loansConstruction and construction-to-permanent loans What Melissa's clients are saying: Melissa was awesome. When we would have a question and reached out to her, we always heard back within the hour. If someone’s looking to get a mortgage loan, we’d refer them to Melissa. Melissa was exceptional. I really appreciated her knowledge and professionalism. Services VACU offers: Whether you're new to homebuying or you've done this before, we can help. Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step. Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense. Home Equity Tap into the money you've already invested in your home to cover life's expenses. Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations. Ready to get started?I'm here to help find the right option for your unique situation. Apply with Melissa Your Homebuying Knowledge Base See all Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Calculator Mortgage Payment Calculator Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Article 6 min Home Equity Loan or Home Equity Line of Credit: Which is Best for You? Home Article 4 min Home Improvements That Pay Off Home Article 3 min What Is the Best Mortgage Loan for Me? Home Calculator Home Affordability Calculator Home Article 5 min What to Expect During the Mortgage Process Home Article 4 min Mortgage Rate Lock Explained Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Are You Ready to Buy a Home? Home
Melissa was awesome. When we would have a question and reached out to her, we always heard back within the hour. If someone’s looking to get a mortgage loan, we’d refer them to Melissa.
Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.
Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.
Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.