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5 from 84 reviews

Santiago Melo

Mortgage Advisor

NMLS #1982179

Locations

1520 Kensington Road, Suite 112, Oak Brook Illinois 60523

Phone – Office

Phone – Mobile

Branch – Phone

Branch – Fax

Awards and Recognition

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Your Local Mortgage Lender Hard At Work, Santiago Melo, Oak Brook, IL

About Santiago Melo

Helping You Build Wealth Through Homeownership

I have over 30 years of experience in mortgage lending, real estate, and financial services. In that time, I’ve helped many people and families buy homes and make smart financial choices for their future. For example, I recently helped a young couple who thought they couldn’t buy a home because of student loans and limited savings. By showing them an affordable first-time homebuyer program and creating a financing plan that fit their needs, we helped them get into their dream home and start on the road to long-term financial stability.

As a Certified Mortgage Advisor with Fairway Home Mortgage, I focus on finding the right financing solutions for first-time buyers, homeowners, self-employed professionals, and real estate investors. I work with many loan types, including conventional, FHA, VA, USDA, jumbo, renovation loans, HELOCs, and more. Which programs you qualify for depends on things like your credit score, income, job history, debt-to-income ratio, and the type of property. My pre-qualification process is simple and shows you which programs might work for you, so you can move forward with confidence.

I do more than just help you get a mortgage. I believe owning real estate is a great way to build equity, create financial stability, and grow your wealth over time.

I help clients see the bigger financial picture by looking at mortgage strategies, cash flow, taxes, and real estate investment planning. If you’re ready to begin, schedule a free consultation. We’ll talk about your goals and figure out your best next steps together.

Whether you’re buying your first home, refinancing, consolidating debt, or investing in real estate, I’m here to give you honest advice, creative solutions, and personal service. My help doesn’t stop when you close on your home. I’ll keep supporting you with yearly mortgage reviews and regular check-ins, so you always have answers and guidance throughout your homeownership journey.

Your financial journey is more than just a transaction. It deserves a thoughtful plan.

Let’s build your financial future together.

Santiago Melo

Mortgage Advisor

Specialties

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Languages

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Licensed in

AZ/nFL/nIL/nIN/nKY/nTX/nWI/n

    Licensing & Disclaimers

    AZ License #BK-0904162

    FL license # LO117901

    IL Community Reinvestment Notice

    IN license # 62906

    KY license # MC940280

    Texas Consumer Complaint and Recovery Fund Notice

    WI license # 1982179

    "I had no idea what 'cash to close' even meant. Our loan officer explained every number until it actually made sense. Nothing felt rushed."

    Name of person
    Location
    July 9, 2026
    Replied with:
    Sarah Dorn
    Loan officer headshot

    "I had no idea what 'cash to close' even meant. Our loan officer explained every number until it actually made sense. Nothing felt rushed."

    July 9, 2026

    Real recent reviews from Fairway clients

    4.9 from 90,600 reviews

    Whether you’re buying your first home, moving, or refinancing, you’ll get guidance from a team that takes the time to answer your questions and explain what comes next.

    Name of person
    Location
    July 9, 2026
    Replied with:
    Sarah Dorn
    Loan officer headshot

    "I had no idea what 'cash to close' even meant. Our loan officer explained every number until it actually made sense. Nothing felt rushed."

    July 9, 2026

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    Tools & Calculators

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    Ready to start your mortgage journey?

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