Headshot of Melanie Kelly-Ruiz

Melanie Kelly-Ruiz

Loan Officer

The Caballero Team

NMLS #2527629


About Melanie

Hi, I'm Melanie Kelly-Ruiz, and I'm excited to help you open the doors to your dream home. For 28 years, I've thrived in retail sales leadership, fostering a deep passion for outstanding customer service. Combine that with my love for all things finance and real estate, and you get someone genuinely thrilled to help you navigate your homeownership journey.

Coming from a service-oriented background, I understand firsthand the importance of prioritizing client satisfaction and ensuring every detail is taken care of. Whether it's guiding you through the intricacies of the mortgage process or adapting to any changes along the way, I approach every interaction with integrity, honesty, and a genuine desire to make your journey as smooth and stress-free as possible.

I can't wait to help bring your homeownership dreams to life! Whether you're ready to apply or have questions that need answers, let's work together to open the doors to your next chapter.

In my free time, I'm with my husband and three kids. We love movie nights, hiking, camping, and finding new places to eat. In my own time, yoga is a must during the day, and I usually find some creative outlet to focus on.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
First-time homebuyers and their family celebrating in their new home

Buying your first home is possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you're more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let's get started

Homeowners planning renovations for their home

Make any home your dream home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life!

Here’s how:

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…
    you know the hassle.

Learn More

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 832-536-7741