Melanie Prather

Loan Officer
NMLS # 1107502
State Lic CA #CA-DBO1107502

I take great pride in my reputation as an honest loan officer and making the process of obtaining a mortgage loan as simple as possible for my clients. My passion for mortgage lending brought me to Academy Mortgage where both I and the company have the same vision: Providing exceptional member service and understanding that each file and each member’s needs are unique. For me, being a mortgage professional means more than financing homes. It’s about people, families, and relationships, based on trust and expertise. My goal is to provide highly competitive interest rates and fees combined with amazing service and communication throughout the transaction, so that every client is compelled to refer their friends and family. I specialize in customizing mortgage solutions and working with first-time home buyers to find options for low down payments.

Let me show you how simple and easy securing a mortgage can be.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Melanie Prather was very helpful with everything. She was so nice, and kept us informed. You really have a great person on your team at Academy Mortgage Corp.

—Robert Madeiros, Client

Great job! (Melanie) helped me understand the procedure of the loan and also gave me advice of how to improve my credit. (She) responded quickly to all my phone calls, all my text messages, and emails. I would highly recommend Academy Mortgage to all my friends, family, and coworkers. Thank you Melanie and thank you Academy Mortgage.

—Martin Guzman, Client

Job well done! Very friendly and professional. Very helpful and friendly staff at the office. Melanie Prather's communication skills exceeded my expectations. She promised to close in two weeks and she did. Thank you so much for your time and knowledge.

—Ramil Karim, Client

Thank You Melanie. You did an exceptional Job. Academy is so lucky to have you as part of their team..

—Jose Villa

Melanie Prather was always quick to respond to any help we needed and her assistant Jessie was always there with what we needed too.

—Mary Miller

We are so happy that we found you. We couldn't ask for anyone better. Thank you for help. May God bless you.

—Pedro Flores, Client

I am just amazed at Melanie's follow-through and concern about getting things processed as quickly as possible.

—Sylvia Corral, Client

When Melanie first looked at our profiles, she said she could get the job done. The first finance company dropped us, but your staff believed in us. As they kept asking for more verification my heart would drop every time, but they never gave up on us. Thank you Melanie and all her coworkers that worked on my loan. I cry as I say these things. I am grateful to them for all their work.

—Benjamin Haro, Client