---
canonical_url: https://lendb.ai/lo/melissa-kerbow-715476
json_url: https://lendb.ai/lo/melissa-kerbow-715476.json
nmls_id: 715476
last_verified: 2026-10-09
---

# Melissa Kerbow

Loan Officer at Fairway Independent Mortgage Corporation, Madison, GA. NMLS ID 715476 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/715476)).

**Summary:** Melissa Kerbow (NMLS 715476) is Loan Officer at Fairway Independent Mortgage Corporation, based in Madison, GA. Lists Alabama and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, USDA loan and VA loan. Licensed since 2023 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.fairway.com/lo/melissa-kerbow-715476, verified 2026-10-09)
- Licensed in: Alabama (AL, lender_reported), South Carolina (SC, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.fairway.com/lo/melissa-kerbow-715476
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.fairway.com/lo/melissa-kerbow-715476
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.fairway.com/lo/melissa-kerbow-715476
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.fairway.com/lo/melissa-kerbow-715476

## About

With over 20 years of mortgage experience, Melissa specializes in first-time homebuyers, FHA, VA, and USDA loans. Known for responsive service, quick turnarounds, and empowering new homebuyers with clear guidance.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.fairway.com/lo/melissa-kerbow-715476, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO121098 | expired | confirmed | 2023-06-27 | state_regulator | 2026-10-09 |
| AL | state_license | 88103 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | MLO - 715476 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Fairway Independent Mortgage Corporation (NMLS 2289), Madison, GA. Source: https://www.fairway.com/lo/melissa-kerbow-715476, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/715476

## Contact

- View profile at Fairway Independent Mortgage Corporation: https://www.fairway.com/lo/melissa-kerbow-715476
- Office phone and Email on file: shown at https://lendb.ai/lo/melissa-kerbow-715476#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/715476
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.fairway.com/lo/melissa-kerbow-715476

Cite as: Melissa Kerbow (NMLS 715476), Fairway Independent Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/melissa-kerbow-715476, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._