Melinda was highly recommended to me to help me with financing during my home search. She is a miracle worker, to be sure. She has excellent communication, her knowledge of the industry is second to none, and she is quick to respond to any questions or concerns. All options were explained in detail, she was able to get me a better loan than others I had shopped around for. If it was not for Melinda and her excellent team (especially Austin) going above and beyond, I would have never closed on my dream home! Anyone needing a savvy broker should not think twice about contacting Melinda, but only if you want the best of the best.
Sarah Cieslik
100% recommend the amazing team of HARD workers over at, The truth about lending.
Their team of highly educated agents will go above and beyond for all of their clients. They make the whole entire process easy, they explain everything to you in great depth and they keep you in the loop/updated along the whole way. We had a long road to closing on our refinance loan but once I reached out to Elizabeth Montero over at TTAL it was as if we had a guardian angel with us from that moment forward. I don’t know what we would’ve have done with out this amazing company with the best group of staff that will work on helping you out with whatever they can. Give them a call and any team member can assist you but id definitely try and see if you are able to speak with Elizabeth. Not only did she do soooo much for our loan but she is genuinely one of the nicest most giving people you will ever meet. I’m not sure I’ve ever seen her take much free time. And during that free time she is always putting others needs before hers. She is a great asset to the South Florida community.
Dana Diann
Wow 🤩
Melinda and her team are great !!

I started a refinance about 3 months ago with a different company, but after a lack of Communication and negligence I reached out to her for more options and a more professional experience. I was blown away by this team. Melinda and her staff were able to get a refinance done in a extremely efficient manner. Everything was very simple and smooth. I honestly don’t think I’ve told her thank you enough.
Jake Hamilton
Every single person at The Truth About Lending brings a unique skill to the table to guide you through the process, I would highly recommend everyone give Melinda and her team a call on your next purchase or refinance, they are amazing!!!
Stania Collins
Melinda and her team work around the clock to provide world class service to every single person.
Robert Lynn
Great pricing and fast Service= Excellent Value!
Melinda, Austin and the entire Truth About Lending Team are amazing. Thank you all for helping my family accomplish the American Dream of becoming homeowners! You guys are amazing!
We would like to say that they are the BEST of the best! Melinda and her staff were amazing helping us to get approved. We have a difficult situation and we don't know how Melinda did it! Thanks for never giving up on us. We would highly recommend if you would like to buy a house. Also they always answered my texts, phone calls and emails, and she understand my bad English!!! Thanks again!!!
Melinda and her staff were amazing in helping me get approved for a home loan. They would always answer my calls, even when I called for the 3rd time in an hour. Emails were answered promptly. My fiancé and I found and bought an amazing home thanks to them!
Stacey Semmel
I had such a wonderful smooth experience with Melinda and her staff. I have never had such a easy refi and closing. I had a difficult situation and Melinda and her staff made it seem so easy. I want to thank all of you for the time and effort on my refi. I will refer you to everyone!!!
Dear Melinda and staff,

We want to thank you, Austin, and everyone in your office for everything you all did to make this possible! Thanks for never giving up on us, going the extra mile, responding to tons of emails and texts, giving sound advice, and ensuring our home purchase went smoothly. You helped to take away the stress of the home buying process! From our family to yours -- thank you so much for helping to make one of our goals and dreams a reality. We would highly recommend you to anyone looking a great home buying experience.


The De Castro's
Sandra Wolkov
Highly highly highly recommend Melinda Payan to anyone looking for a mortgage or refinance.
Angel Marti
Melinda did a phenomenal job by helping us refinance our main residence. Thanks to her assistance, we also obtained additional cash to purchase a second home, to enjoy during the weekends! She is extremely knowledgeable in her field. Additionally, she is very responsible and professional.

Melinda is lightning fast answering calls and e-mails, as well. Further, her staff made the application process flow smoothly and they were always willing to answer any questions we had. We are glad we chose The Truth About Lending LLC, for our mortgage needs. We highly recommend Melinda, due to her outstanding assistance and superb results!


Angel Marti
Peter Gobos
Over the past 5 years, Melinda Payan has helped me with a Short Sale, a
Mortgage, and most recently a Refinance .
She is very knowledgeable and experienced, having worked in most areas
in the finance and lending world. She will roll up her sleeves and get the job
done, until she finds the Best solution for her Client.
Yes, it goes without saying....I would Highly recommend her !!!
I have been in the title business for 20 years now and own my title company for over 12 years and have dealt with many mortgage brokers throughout the years. With that said, I can honestly say Melinda Payan and her staff are truly honest and very experienced in mortgage lending. They take loans that are denied by regular banks and they truly know how to put together a file and place them with the right bank offering borrowers the best interest rate they can achieve. Melinda also offers honest advise and will ultimately get you your dream home with the right loan terms. She did the same for us and we will be forever grateful. I definitely recommend her to any of my family and friends!
The loan process can be very stressful. It takes a team of professionals to help you through those steps. That is just what “The Truth About Lending Company” is, they are a team that are by your side to get you through to the end of the loan. I felt comforted knowing I had them there by my side to trust and rely on.

Contact us today to find out
The TRUTH About Lending


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