Melissa Ramirez is a native New Mexican and her hometown was Carlsbad.  She resides in Albuquerque now since 1991, but continues to serve the southeast part of the state while maintaining a customer referral base in the Albuquerque area.  Melissa has a Bachelor’s degree in Finance from the Anderson School of Business at UNM.  She has been with Melbourne Financial since 1996.  Melissa’s experience through the financial market ups and downs have prepared her for almost anything.  Her philosophy has always been “to treat others as you would like to be treated”.  That attitude, along with her financial knowledge has made her an outstanding residential mortgage loan officer!