Melissa Louie Young

NMLS# 1887812

I am licensed in Connecticut, New York,

and New Jersey.

About Melissa

Melissa has been in the mortgage industry for over 12 years, where she first started her career in Canada. Within this timeframe, she has assisted and closed almost half a billion in mortgage sales. She has been awarded for her outstanding contributions in client experience, productivity, collaboration, realtor development, and colleague care. Melissa’s expertise, coupled with her drive, passion, and friendly demeanor, ensures an easy and smooth transaction. Clients and colleagues have always commended Melissa for going the extra mile – no matter what the occasion is.


Melissa lives in the Financial District in Manhattan. In her spare time, she loves to cook (ask for her favorite recipes), read books (particularly thrillers), hike, and travel. She closely follows the latest fashion trends and loves trying the newest hot spots in New York. A personal goal for Melissa is to try and eat at every restaurant in Manhattan.


“Working with Melissa and Natasha was absolutely seamless. We have worked with different lenders roughly a dozen times over the years, and they were hands down the best team that we have ever worked with. I was pleasantly surprised with how responsive Melissa and Natasha were to my questions and how they resolved any open items very quickly. Would highly recommend.”


“I can’t sing Natasha, Melissa, and GuardHill’s praises enough! Although buying an apartment in an NYC co-op during COVID-19 proved tricky, Natasha and Melissa made themselves available 24/7 to ensure this deal would go through in a timely fashion. Even with a few unexpected setbacks out of our control, GuardHill took control of the situation, wrangled all of the key stakeholders, and got me closed at an amazing rate. Natasha and Melissa just did not give up and were calm, cool, and collected all the while! I genuinely think this deal would have fallen through with any other lender. Thank you again from the bottom of my heart, and I will be in touch on the following real estate opportunity.”


“My experience working with GuardHill was all positive. As a first-time homebuyer, I received an outstanding rate, immediate response in all communication, and knowledgeable answers to all of my questions. Melissa and Natasha were extremely professional and personable throughout the entire process. I am beyond satisfied and highly recommend GuardHill!”

Gregg W.

“Melissa was able to approve me for a mortgage when my bank and another mortgage broker could not. She was able to look at my situation and find a solution. Not only did she obtain an approval, but she was able to do it in a timely manner and still obtain a great rate for me. I have never had such great service in the financial industry. Thanks for getting it done Melissa!”

Nancy T.

“As a small business owner, traditional banks refuse to do refi loans with their current loan holders anymore – even if they are in great standing with perfect credit and have paid off multiple traditional big bank mortgage loans. Fortunately, GuardHill Financial Corp. is there to pick up the slack (and the many financial advantages) to accommodate the needs of successful entrepreneurs. I turned to Melissa, Mortgage Specialist, invariably professional, efficient, knowledgeable, and available. Even if I texted or called her after hours, she would respond to my questions. The loan closed last week, and I was delighted to find Melissa/GuardHill to turn to for any future mortgage loans.”