Arizona · Florida · Tennessee · Powered by Lending Heights

Start with an hour.
Not an application.

Told you don't qualify? The hour is where you get the why, and a pathway to the yes. Your whole financial picture on the table, and a written recap you keep.

Request Your Consultation Text Stacey(602) 690-2277

Already know what you need? Apply now →

20+

YEARS LENDING

200+

5-STAR REVIEWS

3 States

AZ · FL · TN

The Consultation

The hour
comes first.

Before a rate, before a preapproval, before a single document request: one full hour on your whole financial picture. It's the step most lenders skip. It's also why the hard files close here.

One full hour

Not a fifteen-minute intake. Sixty minutes on income, debt, timing, equity, and what you're actually trying to do next.

Your whole picture

Every account, every timeline, every what-if. Strategy before pricing. A number with no structure behind it is just a number.

A written recap you keep

You leave with it in writing: the plan, the options, and the reasoning. Yours to sit on, share, or act on.

And if the answer is wait, she'll say wait.

Financing decisions start with strategy, not pricing. If holding off puts you in a stronger position, that's the first thing you'll hear.

Where We Lend

Three states,
one standard.

Arizona, Florida, and Tennessee: desert, coast, and Music City. Same hour, same standard, same person on the phone.

Greater PhoenixDesert

The Valley of the Sun, end to end. Relocation buyers landing from out of state, first-time buyers in the East Valley, and second homes for people who winter here.

Maricopa and Pinal counties

Greater Tampa BayCoast

The Gulf side, from Tampa across to Clearwater and Largo, where Stacey owns a home. Heavy on retirement transitions, vacation properties, and buyers moving in from the Northeast.

Communities we serve

TennesseeMusic City

Licensed in Tennessee, with Middle Tennessee as the center of gravity.

Tap a city to find it on the map. Don't see yours? Reach out. The list isn't the limit.

Loan Programs

Then we pick
the program.

The hour sets the strategy. These are the programs we build it with, across Arizona, Florida, and Tennessee.

Stacey’s specialty

VA loans for those who served.

We proudly serve those who served: full-benefit financing structured for the long run, not just today's closing.

$0 downNo monthly PMIFull entitlement, structured right

Bring it to the hour

Financing for your next move.

First home or moving up, we build the loan around your goals, not just closing day.

First-time & move-upFixed or adjustable-rateClear numbers up front

Bring it to the hour

Refinance, on your terms.

Lower your rate or term, move off an adjustable rate, or turn equity into cash, with the real numbers up front.

Lower rate or termCash-out availableAdjustable → fixed

Bring it to the hour

FHA loans that open the door.

Low down payments and flexible credit, with the option to roll repairs and upgrades right into the loan.

Low down paymentFlexible credit203(k) renovation

Bring it to the hour

The conventional standard.

The go-to for strong-credit buyers: flexible terms, straightforward underwriting, and no government overlays.

Fannie & FreddieFixed or adjustable-rateDrop PMI at 20% equity

Bring it to the hour

Jumbo financing past the limits.

Financing beyond conforming limits, for higher-value homes across all three markets.

Beyond conforming limitsPortfolio & non-agency optionsFlexible down payment

Bring it to the hour

Already deep in a search and ready to move? Apply now →

How It Works

Four steps to
your new home.

No surprises, no runaround. A clear path from the first hour to closing day. Track the sand.

Reach out

Text, call, or send the form. Tell her what you're trying to do and we'll get the hour on the calendar.

The hour

A full financing consultation. Your whole picture on the table. You leave with a written recap.

The structure

Program, terms, and timing chosen to fit the plan, not the other way around.

Close with confidence

No last-minute surprises. You'll know exactly what to expect on closing day.

Stacey Lynne Melton, Branch Manager, Sand2Sand Lending, Powered by Lending Heights. NMLS #180081

20+

YEARS LENDING

Meet Your Mortgage Broker

Stacey Lynne Melton

Branch Manager, Sand2Sand Lending, Powered by Lending Heights

NMLS #180081

One hour. Three states. One rule: strategy before pricing, every time.

Stacey Lynne Melton is a consultation-first mortgage broker serving real estate agents and life-transition buyers across Arizona, Florida, and Tennessee. Before any preapproval, she does a full financing consultation: one hour, your whole financial picture, and a written recap you can keep.

It is how she has built more than twenty years of trusted relationships and a reputation for structuring the files other lenders walk away from. She believes financing decisions should begin with strategy rather than pricing alone, and she will tell you when the right answer is to wait. Sand2Sand Lending is her branch, powered by Lending Heights. NMLS #180081.

Text is best: I respond fastest by message

(602) 690-2277 smelton@lhloans.com

Request Your Consultation Text Me(602) 690-2277

For Real Estate Agents

Send her the file
everyone else passed on.

Agent partnerships are half this business. Your buyer gets the full hour and a written recap. You get a straight answer on whether the file actually works, before it's under contract.

She runs the numbers on the house before your client sees it. Send her the HOA and the taxes, and she'll tell you whether it works. No falling in love with a house they can't afford.
Consultation notes go out after every call, with your client copied, so you always know what happens next.
She coaches you through the lending side of the file.
She knows the contract better than most agents and will show you where you're protected. And she never goes past her lane.
When something goes wrong, she's the calm one who finds the path and gets it closed.

Talk about a partnership

Get In Touch

Let's book the hour.

Send this and Stacey reaches out to schedule your consultation. Or just text her directly. She picks up.

(602) 690-2277 smelton@lhloans.com

Don't fill this out if you're human:

Full Name

Phone

I'm Interested In

Message (Optional)

Stacey personally reviews every inquiry. Expect a response within one business day.

Start with an hour.
Not an application.

The hour
comes first.

One full hour

Your whole picture

A written recap you keep

And if the answer is wait, she'll say wait.

Three states,
one standard.

Then we pick
the program.

VA loans for those who served.

Financing for your next move.

Refinance, on your terms.

FHA loans that open the door.

The conventional standard.

Jumbo financing past the limits.

Four steps to
your new home.

Reach out

The hour

The structure

Close with confidence

Stacey Lynne Melton

A closing date that holds.

Clients trust Stacey.

Send her the file
everyone else passed on.

Let's book the hour.

Thanks, you're on Stacey's radar.

Start with an hour.Not an application.

The hourcomes first.

One full hour

Your whole picture

A written recap you keep

And if the answer is wait, she'll say wait.

Three states,one standard.

Then we pickthe program.

VA loans for those who served.

Financing for your next move.

Refinance, on your terms.

FHA loans that open the door.

The conventional standard.

Jumbo financing past the limits.

Four steps toyour new home.

Reach out

The hour

The structure

Close with confidence

Stacey Lynne Melton

A closing date that holds.

Clients trust Stacey.

Send her the fileeveryone else passed on.

Let's book the hour.

Thanks, you're on Stacey's radar.

Start with an hour.
Not an application.

The hour
comes first.

Three states,
one standard.

Then we pick
the program.

Four steps to
your new home.

Send her the file
everyone else passed on.