Dawn Morgan

As part of the Melena Dawn Mortgage Group powered by Waterstone Mortgage, Dawn and her daughter Melena Miller bring a unique perspective to the mortgage lending process. With 30+ years of combined experience in their field, they have extensive knowledge of home loan options and how to tailor those solutions to fit each client’s distinctive needs. Together, Dawn and Melena blend deep industry knowledge with modern solutions and a personal, family-first approach to lending.

As a duo, Dawn and Melena’s greatest strengths are their ability to problem-solve creatively, communicate clearly, and make the mortgage process feel approachable. Dawn’s expertise in structuring complex loans is matched by Melena’s drive, organization, and ability to connect with clients across generations.

They are both passionate about education — ensuring that their clients not only get the best loan but also truly understand their options. Dawn and Melena are committed to finding the right program for each client, because no two homebuyers are the same.

Through Waterstone Mortgage, Dawn and Melena provide a wide range of loan programs, including:

• First-time homebuyer programs


• FHA, VA, and USDA loans


• Conventional loans


• Temporary buydowns


• Renovation loans


• Investment property financing


• Creative solutions for self-employed or credit-challenged borrowers


• Non-occupant co-borrowers and multi-generational home purchases

When it comes to the mortgage journey, Dawn and Melena’s favorite part of their profession is guiding people through one of life’s biggest milestones. “Helping a family get the keys to their first home or assisting someone in building long-term wealth through real estate —those are the moments that keep us inspired,” they say. “And doing it together, as a mother and daughter team, makes it even more meaningful. Our clients become part of our extended family, and we treat every loan like it’s our own.”