Giveaway sponsored by Melissa Al-Rifai. No purchase necessary. Register to win by following @mortgagesbymelissa on your Instagram, post a fun photo or selfie from your Zoolights experience this year and tag @mortgagesbymelissa or by or emailing me at Must enter by 11:59 PM on January 31, 2021. One entry per person. HP - 14” Chromebook Intel Celeron 1080p valued at $299.99. Odds of winning are dependent on the number of entries received. Restrictions: Must be 18 to enter. No third party settlement providers. No current employees of Bell Bank, board members or their immediate family members. Winner will be notified via email and Instagram, gift will be mailed via USPS after Feb 1st, 2021.

Meet Melissa

I'm passionate about finding ways to help you bring your mortgage home. With over a decade in the financial field, I'll make sure your home-buying experience is seamless from start to finish.

As a busy working wife and mom, I know how hectic it can be to juggle your daily responsibilites while making one of the biggest purchases you will make: your new home. My job is to make sure my knowledge and expertise, coupled with my availability and communication, make this one of the easiest and enjoyable buying experiences you've ever had. 

How I Work

I will keep you informed and updated, so you'll know where you are in the home loan process. I know that it's important to you to be able to reach me easily and often, so I'm always just a phone call, text or email away. I focus on the details so you can rest easy!  

Community Involvement

  • SouthEast Valley Regional Association of REALTORS® (SEVRAR) affiliate member
  • Young Professionals Network member
  • REALTORS® of Arizona Political Action Committee (RAPAC) 2017 vice chair

More About Me

When I put my heart and passion into your experience, I get it from the love and support of my family. Nothing is more important than sharing time, laughter and love with them. My husband, Ziacl, son Shae, daughter Logan and pup Duke love the outdoors, and when we aren't camping or hiking, we usually can be found splashing in the pool.

Expertise and Specialties

  • Portfolio options
  • Renovation loans
  • Construction loans
  • Conventional financing
  • Jumbo financing
  • First-time home buyers


MortgageMapp is an electronic business card that does more than share my contact information with you. It also gives you 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.


  • Calculate Payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients

Download Today.