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Michele Town


“Don’t be afraid to give up the
good to go for the great!”

Hi my name is Michele Town and I’m “The Girl Who Gets It Done” or at least that’s what my Realtors and clients I have worked with over the past 30 years have nicknamed me. I have been able to help so many people get what they want regardless of the challenges of the market and the restrictions of the industry itself. My strength comes from many years of being the top producer and my heavy background in processing and underwriting. My creative problem solving and forward thinking give me the edge to get approvals when others could not. I am pioneering, direct and have a trustworthy approach to business. I don’t give up and I don’t take anything on unless I know it will work. Passions: Horseback riding, dog rescue and mentoring young adults with substance abuse challenges.

– Michele Town

Melissa Zak

Vice President

Hi, My name is Melissa Zak and I have a servants heart! As a retired Chief and law enforcement captain, I genuinely believe in the power of teamwork, follow thru, compassion and performance under stress. I strongly believe the foundation for success is building trust with all my clients by providing information that is transparent, non-judgmental and easy to understand. I also am passionate about the importance of establishing long-term relationships with all my valued clients. There is never a better time for, “Do you have a minute?”

Passions: I am an outdoor motorcycle enthusiast, both off-road and on the street. When I am not working, you will find me either be on the bike, spending time camping in the Colorado mountains, or spending time with my family.

– Melissa Zak


our Competition

How we exceed expectations:

Pre-Approval Stage

  • Thorough “Initial Consultation” of your current financial situation.
  • Discuss short-term and long-term goals.
  • Conduct a full credit analysis. • Suggestions, if any, to improve the FICO score.


Pre-Approval Stage

  •  Phone call or email from loan officer asking brief questions.
  •  Cursory review of income and assets documents requested,

During a Live Transaction

  • Conduct a “Third Consultation” once your offer is accepted and contract is received.
  • Ensure loan terms previously discussed still apply.
  • Re-confirm down payment and finalize all terms of your loan.
  • Lock loan terms to avoid volatility in the market.


During a Live Transaction

  • Loan Officer conducts a cursory review of the contract,
  •  Loan Officer has a brief call to lock the loan.



christina s from Orange, CA

Michele and the Town group were amazing, super responsive and so pleasant to work with! We not only used them to purchase our home but to refinance. Highly recommend!

Acm  j from Carlsbad, CA

This is our second home loan with Michele Town. Each time she has been there every step of the way, taking her time to explain every step and making sure that she was always available. Every one on her team was very knowledgeable and easy to work with. Even with the complexities of the Pandemic, everything went smoothly and closed on time. We would strongly recommend the Town Group for anyone needing a home loan.

Sherman from Carlsbad, CA

My wife and I worked with Michele a couple years ago on the purchase of our new home and had a great experience with her and her team. We have since referred Michele to many people including family. I definitely feel Michele has our best interest in mind and has proven this over and over. We recently refinanced our original loan and wouldn’t have even thought to seek help elsewhere! Once again, Michele’s team, knowledge, care, organization and time were a breath of fresh air.

Think Yes!


We rescue loans other lenders attempted to do! Sellers are nervous, Buyers aren’t releasing contingencies…

Start today- Call “(844) THINKYES”

Beat Out
Competing Offers
& Cash Buyers


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Think Yes
Turn a No into a YES