Melanie Prather

Loan Officer
NMLS # 1107502
State Lic CA #CA-DBO1107502
Se habla español.


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.

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Melanie and Jessie were great to work with. Quick to address questions and concerns, always friendly and prompt.

—Jennifer Parr

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

Melanie was great with assisting me getting this process rolling and completed. I will definitely be back in the future, keep up the great work.

—David Avalos

Smoothest experience yet, this is my third house.

—Claudia M Ramirez

It was so easy and quick. Very professional and answers all questions

—Virginia Eulate

The experience was great. Always communicating and also making sure things get done on time.

—Timothy Smith-Wilson

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

Very knowledgeable and quick

—Graham Wariso

Aur loan experience were the best

—Ramiro Esparza Deluna

Melanie P. was awesome, she was very helpful through the loan process. She was quick and easy to reach out to for any questions or concerns. Thanks again Melanie!

—Frankie Cardenas

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

—Lachysha Holloway

The best service ever - friendly staff perfect experience

—Normalinda Holland

I am a first-time buyer and Academy Motgage helped me through the entire process. Very happy with Melanie Prather, and the rest of the team. I was pretty nervous, but they made me feel I could do it. Now I am the happy owner of a beautiful house! Thank you!

—Ermelinda Juarez

Melanie helped us throughout our journey to home ownership by providing us constant contact during the process and to provide us with a grant to home ownership. She even went above and beyond to help us out with a generator after we closed on our new house.

—Travis McKittrick

Melanie’s team answered every single one of my questions anytime or any day of the week. We are very grateful to have such a positive experience for our first home purchase

—Nayeli Larios

There were a few hiccups during the process but Melanie kept in communication and was able to assist with squaring away everything and just in the knick of time.

—Harjinder Singh

Easy to work with, explained everything in detail, and very organized

—Robert Tellas

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

—Jose Villa

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

I was a first time home buyer and everyone said it was gonna be so stressful, however it was the opposite. Every time I had a question Melanie responded and explained it so I understood completely.

—Gloria Kamp

—Scott Smith

Melanie and Jessie were great throughout the process.

—Janelle Jackson

Excellent communication smooth process

—Marilyn oostema

Melanie and Jessie did a phenomenal job! They were very patient with me and explained every step of he process.

—James Palkoner

It went very well.

—Patricia Turner

Melanie Prather and her assistant Jessie are great at what they do and I am and will continue to work with them going forward.

—David Jara

Thank you for working with us. We were able to move in our new home in just 45 days! You were able to pull everything off even with the tight situation I had!

—Kevin Fink

Ami Bowen was great and we are very happy with our new home.

—Dayn Slaathaug

Awesome and very kind and professional.

—John Fomby

It was GREAT, Melanie and her team are so great, professional, and compassionate. I will definitely recommend this agency.

—Andre Vera

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

Melanie went above and beyond to help us. We are forever thankful.

—Robert Malabanan

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


—Clarence McGregor

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

—Sylvia Corral, Client

Academy Mortgage was very thorough and answered all my questions in a timely manner. Melanie and her crew worked hard to help us with getting our finances all in the right place, get a $10,000+ grant, and good interest rate. They were kind, courteous, and on the ball.

—Angela Cowell

The Academy Mortgage team continues to produce excellent service to my clients and I will continue to work with them.

—David Jara

Melanie was very driven in getting our loan completed and getting our process done on time thank you for constantly pushing us to get this done.

—David Avalos