Mel Fox is an irreplaceable asset to consumers. She is significantly experienced in the real estate and lending industry and because of this, she carries valuable knowledge to apply to diverse situations. I have been helping people buy and sell homes for 7 years and worked with a variety of different lenders with a good amount of experience and competency. I have become confident and regularly surprised by her abilities and expertise over the years. What I love about Mel, is that she is honest in her work, she identifies and addresses potential roadblocks before they happen and she ensures that clients are confidently set up to reach their real estate and investment goals from the start. Her responsiveness and organizational skills ensure efficiency in every transaction from start to finish. She is extremely resourceful and has valuable experience and knowledge that transfers into buying power for each of her clients. When you choose a lender it is extremely important to consider the amount of diversified experience they have and how responsive and efficient they are with their time. In my experience, some lenders pre-approve people prior to verifying employment income and many other factors which can create a stressful home-buying experience and delayed or canceled escrow. I have had nothing but positive, quick, efficient, and successful transactions with Mel and positive feedback from my clients. Her communication and thorough attention to detail provide peace of mind for all parties involved in the transaction. She has access to invaluable resources that ensure a very quick process. We recently closed in 7 business days on a conventional loan!!! In my lifetime that has been unheard of! Additionally, she has a small team of people who are also extremely helpful and responsive, I believe that together they can rule the entire real estate industry. Mel Fox is a great leader. She is efficient, ambitious, professional, patient, resourceful, responsive, thorough, trustworthy, and organized. All of the qualities of an invaluable and successful human. I 100% recommend her. read more

Mel and her team at Fox & Company did an outstanding job assisting my family with our purchase of our new family home in Santa Rosa. With many real estate investments herself in the area, Mel knows the Sonoma real estate market like the back of her hand. She literally knows EVERYONE in the business, such as new home builders, roof inspectors, appraisers, pest inspectors, other real estate agents, etc.) EVERYTHING gets done incredibly fast due to her local knowledge and expansive contacts. She not only worked hard to get what I wanted, but advocated for the things I didn't even know I needed. Mel is a broker as well as a real estate agent so she knows exactly what is needed to get a loan approved as well as keeping you up to date on the housing in the area and doing viewings at any time. She is the one stop shop! It's really a much better experience when the person who is helping you look for a house actually knows what you will qualify for and the mandatory paperwork a person needs to buy said home. Mel gathers all necessary paperwork well before escrow which makes for a stress free and smooth sailing close. In short, this is the professional you want! She knows her stuff and will work on your schedule. I personally recommend Mel to all my friends and colleagues who are looking into buying a house as it is a guaranteed win of an experience. read more

Short story: Mel and her team can move mountains, she makes the process quick and straightforward and is reliable and professional. Long story: I have worked with Mel and her team on multiple transactions over the past 18 months or so. A property purchase with two business partners, two refinances after a divorce which involved multiple properties, another sale and purchase that didn't end up needing Mel's team because it ended up getting owner financing (but she was there every step of the way in case we needed her), and two new rental property purchases with multiple owners...all happened within 18 months. Mel was always on top of things, ready to move forward as soon as we were, language barriers didn't stop her, and most contact was made via phone, text and emails which is super convenient for myself and all the people we were working with. I am beyond impressed with her ability to successfully process so many transactions all while making sure her clients are satisfied! We are just another hard working family trying to get good rates, buy a little, sell a little and hope to make the best investment possible...and Mel took really good care of us. I continue to recommend Mel and her team to everyone I know, no job is too big or too small for her! read more

We had an amazing experience working with Mel Fox & Co. during our home buying process! As first-time buyers using a down payment assistance program, we ran into a lot of communication issues on that side, which made things feel unnecessarily complicated at times. April and Dustin were incredibly patient and stepped in wherever they could to keep everything moving. They communicated seamlessly with our real estate agent and lender, helped us stay on top of paperwork, and made sure nothing slipped through the cracks. Since I'm an independent contractor and my partner is W-2, our situation felt a bit more complex, but they handled it smoothly and made the process feel manageable. Their responsiveness and dedication truly stood out, we even received responses from Mel on Thanksgiving Day, which shows how committed this team is to their clients. On top of that, they surprised us with a housewarming gift, which was such a thoughtful touch. We felt supported every step of the way and are incredibly grateful for their help. We would absolutely recommend them to anyone navigating the home buying process! read more

Mel and her team delivered the service that was promised. I successfully purchased my first duplex (investment property) with the help of Fox & Company! This happened shortly after Mel and her team had helped me refinance my current home, so this was like a two for one! Two processes completed within 6 months...We never lost contact and just continued to work with Mel. It's like their office never closes, there's always someone to take a call or text. She is always one step ahead, requesting whatever is needed in order to ensure a quick and smooth process. She will definitely keep a process moving and will make sure every timeline is met. My expectations were surpassed, and I am beyond satisfied with the work of Fox & Company. Absolutely amazing work! I will continue to refer friends and family and will definitely work with her again! read more

My husband and I met Mel about 3 years ago you were buying our first home we had already been through so many lenders and then we were recommended to Mel, needless to say we was scared, overwhelmed and tired and on the verge of giving up. Mel was able to calm down get all the information she needed and she simply worked her magic. We were in our home with in a short time. Fast forward till now. We decided to pull Equity out of our home and it was something we had never done needless to say it again we were kind of scared about it, but again got held to Mel, she worked her magic. She and Katie are absolutely amazing. Would recommend her to anyone who asks. She made the process painless and worry-free. If we had any questions or concerns she was there to explain anything we needed. read more

We began working with Mel and Katie and right from the beginning they were amazing. We closed in 25 days and they made the process smooth and painless. Mel is a fireball going after what she needs and getting it done. Katie is so sweet to work with and helpful. Both are always there to answer any questions and there is never a lack in communication whether it's through text, email, or phone call, to walk you through each and every step. Thank you both for helping us get our dream home! You are amazing, wonderful ,helpful ,hardworking, and Always going above and beyond. We will recommend this team to everyone we know! and if you want to buy a home this is your team they will help you achieve that dream. Thank you both so much read more

Mel and her team work hard to make your dreams come true. Mel is a very hard worker and works fast. If you know what you want, she will make it happen, regardless of the circumstances. She thinks outside the box and uses all of her resources wisely. She will do anything in their power to make the deal happen with all the leverage she can. We closed on a home after 21 days, which was way faster than expected. Not only did she help us with our home purchase, she also helped us with our home equity line, one right after the other. Her and her team are professional, thorough, and don't waste anyone's time or money. I recommend her and her team. Thank you Mel! read more

5- STAR REVIEW! "I very much appreciated working with Mel Fox and her Company on the successful refinancing of my home. Her vast experience and expertise was extremely valuable in helping me find the best direction to go on important matters. Also, her connection to her collegues in the realestate and lending businesses, helped to take care of various issues efficiently and promptly. Mel is a force for good in our community and I am so grateful for the energy, knowledge and understanding I received as her client. I look forward to working with Mel again in the future. Sincerely, Rachel Kristine read more

This was the second time I have worked with Mel Fox and couldn't be more then pleased and impressed with her. The first time that I worked with Mel she was our loan officer. She was knowledgeable and her attention to detail was amazing. This time now selling my home I was thrilled to find that she was now a Realtor. She delivered the same amount of attention to detail, knowledge and always kept me updated by phone, text or email during the whole process. She is truly amazing at what she does and so glad she was apart of the selling of my home. I highly recommend Mel Fox! Thank you Mel :-) read more

Mel and her team were a delight to work with. They made it so easy and explained all of our questions. I did not once feel pressured by anyone on her team either. Her entire team worked tirelessly for us; answering calls, texts, emails, etc. on Sundays, late at night and whenever we needed them. They always responded to me very quickly. I WILL be refinancing through them in the future, and/or if we decide to purchase again, I wont even bother calling another mortgage company. Mel Fox and her team wont waste your time and if you are serious about buying a home they wont disappoint you!! read more

I've gone with Mel for three refinances now. She and her assistant Katie kept me informed through the entire process. For this refi I went with a VA loan (which are a little bit more involved). Mel went over and above to make sure it didn't take too much of my time. Whenever I called someone got back to me. They made sure to keep me on track when I got busy so the loan closed on time and I got the best rates available. I was even able to go on vacation without stress because I knew I was in good hands. I got back from my trip with money in the bank. For my next loan I choose Mel. read more

"We owe a huge thank you to Mel our incredible mortgage broker, for helping us secure our dream home. Her lightning-fast pace, ability to provide multiple options, and impressive creative thinking blew us away. What's even more astonishing is that she helped us close in just 12 days. Mel's warm and approachable nature, along with her availability whenever we needed assistance, made the entire experience truly wonderful. We're extremely grateful for Mel's expertise and support throughout this journey in purchasing our dream home" read more

I just purchased my first house and we used Mel for our loan. She had competitive pricing, she helped us with a rapid rescore saving us THOUSANDS at close of escrow, she was fast, communicated with me on a daily basis...everything I could ask for as a high maintenance client!! We are self employed and she had great programs to accommodate our financial situation. I had a lot of fears as a first time home buyer, and Mel exceeded all my expectations. I would recommend Mel to anyone looking to buy. read more

Work with Mel Fox & Company and you'll be working with the best in the industry. Mel is very thorough and finance savvy. She has always gone over and above for my lending needs, taking the time to review all of our options. From start to finish she is thoughtful, punctual, and brilliant.. and she works weekends! We closed our last purchase in 17 days and were able to offer with no loan contingency ultimately winning the other bids on the home because of how were were able to structure our offer. read more

Mel has done a few loans for my friends and I over the past several years and has always done a fantastic job. I've worked with several brokers over the years (none since I met Mel) and can confidently say Mel is the brightest I've ever encountered. She has the skills and the patience to go through various scenarios and come up with the best solutions for her clients. Many lenders seem to want to give each client the same package and put no thought into it. Thanks Mel! read more

Mel Fox and her team are the very best at what they do! We found her after a nightmare refinance with our bank of 35 years who ran us around for months, only to decline the refinance. Within short order Mel and her team got everything done! She was helpful, efficient, and through in every aspect of the process, which ultimately was accomplished in an astonishing efficient amount of time. We recommend her totally!!! Thank you Mel! YOU ARE THE BEST!!!!!!!! read more

I can't say enough great things about this team. My fiancé and I were first time home buyers and to say we had a lot of questions is an understatement. Mel spent hours on the phone with us throughout this process to make sure that all of our answers were addressed and made the process so much easier. From the prequal to closing everything went smooth and we felt confident that we had the best team on our side working with us. Highly recommend Mel Fox! read more

Mel Fox is one of a kind. She is very professional and was very honest. In the last six months we have purchased and refinanced our home. Mel handled both transactions which frankly weren't easy ones. She did it. Her team is always communicating with us about every step of the refinancing. Mel worked very hard on our behalf. I feel very confident our loan was in good hands. I would recommend Mel Fox and her team for your mortgage needs. read more