--- title: Kristina Melnik description: "Kristina Melnik is a seasoned Mortgage Loan Officer with over 8 years of experience helping clients secure financing for home purchases and refinances. Specializing in FHA, VA, conventional loans, and mortgage solutions tailored specifically for real estate investors, she provides personalized strategies designed to fit each client’s financial goals. Kristina has a strong track record working with both first-time buyers and savvy real estate investors. Known for making the loan process smooth, clear, and stress-free, she is fluent in Russian and Ukrainian, enabling her to connect with and support clients from diverse backgrounds. Kristina is passionate about helping clients achieve their dream of homeownership and positioning them for future financial success." image: https://www.churchillmortgage.com/hubfs/images/headshots/loan-officers/Melnik%2c%20Kristina.jpg --- [![churchill logo in navigation bar](https://www.churchillmortgage.com/hubfs/images/logos/logo.svg) ](https://www.churchillmortgage.com) [888-562-6200 ](tel:888-562-6200) [Get Started!](https://www.churchillmortgage.com/get-started) - [Buy a Home](https://www.churchillmortgage.com/buy-a-home) - [Refinance](https://www.churchillmortgage.com/home-refinance) - [Calculators](https://www.churchillmortgage.com/calculators) [Mortgage Payment Calculator](https://www.churchillmortgage.com/Calculators/Monthly-Payment-Calculator) [How Much Can I Afford?](https://www.churchillmortgage.com/how-much-house-can-i-afford) [Rate Buydown Calculator](https://www.churchillmortgage.com/calculators/buydown-cost-calculator) [Refinance Calculator](https://www.churchillmortgage.com/calculators/refinance-break-even-calculator) - [Loan Programs](https://www.churchillmortgage.com/loan-programs) [Make Your Offer Competitive](https://www.churchillmortgage.com/home-buyer-edge) [Certified Home Buyer](https://www.churchillmortgage.com/certified-homebuyer) [$10K Seller Guarantee](https://www.churchillmortgage.com/seller-guarantee) [Secure Your Interest Rate](https://www.churchillmortgage.com/rate-secured) - [Resources](https://www.churchillmortgage.com/resources) [Frequently Asked Questions](https://www.churchillmortgage.com/faq) [Blog Articles](https://www.churchillmortgage.com/articles) [eBooks & Guides](https://www.churchillmortgage.com/ebooks) [Conventional Loans](https://www.churchillmortgage.com/loan-programs/conventional) [FHA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [VA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [No Score Home Loans](https://www.churchillmortgage.com/loan-programs/no-score) [All Loan Options](https://www.churchillmortgage.com/loan-programs) [Video Library](https://www.churchillmortgage.com/videos) - [Find A Loan Officer](https://www.churchillmortgage.com/loan-officers) - [MyChurchill Login](https://churchill.mychurchill.com/sign-in) - [Loan Servicing](https://www.churchillmortgage.com/loan-servicing-center) - [Join the Churchill Team!](https://www.churchillmortgage.com/careers) [Get Started!](https://www.churchillmortgage.com/get-started) [Call 888-562-6200](tel:888-562-6200) [Find a Loan Officer ](https://www.churchillmortgage.com/loan-officers) [Loan Servicing ](https://www.churchillmortgage.com/loan-servicing-center) [MyChurchill Login ](https://churchill.mychurchill.com/sign-in) # Kristina Melnik Home Loan Specialist |   [ NMLS: 2316172](https://www.churchillmortgage.com/license/kristina-melnik#license) --- KVITOSLAVA MELNIK NMLS ID: 2316172; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2516981; CA-CA-DFPI2316172, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; FL-LO138476; MN-MN-MLO-2316172; SC-MLO - 2316172; TN-2316172; WI-2316172; 1013 Galleria Blvd Ste 280, Roseville, CA 95678-1366; All other states, Churchill Mortgage Corporation Churchill Mortgage Corporation, NMLS ID# 1591, is an Equal Housing Lender.  1149 Mallory Lane, Suite 100, Brentwood, TN 37027 All Other States: [Licensing](https://www.churchillmortgage.com/licensing) For licensing information go to: [www.nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org) We are vitally concerned with your privacy on the internet. You have received this email as a Churchill Mortgage customer or subscriber. [Privacy Policy](https://www.churchillmortgage.com/privacy)   For more information, please visit: [www.churchillmortgage.com](https://www.churchillmortgage.com/license/www.churchillmortgage.com) As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process. Churchill Mortgage Corporation, NMLS #1591 is an Equal Housing Lender. Programs are for select loan types only and are not available in all states or locations. © 2020 All Rights Reserved For Licensing Information Go To: [ NMLS Consumer Access](http://www.nmlsconsumeraccess.org/) [Licensing](https://www.churchillmortgage.com/Licensing) [Privacy](https://www.churchillmortgage.com/Privacy) ![](https://arttrk.com/pixel/?ad_log=referer&action=purchase&pixid=17ecd3f1-495d-4132-be10-f862c5d18380)