Getting you the money you need, minus the stress you don't deserve


Purchasing a home doesn't have to be complicated.

Watch this quick video to learn the home buying process step by step.


Looking to refinance?

Watch this quick video to learn why now is one of the best times for you to refinance.

Meet Chris

Chris will be your loan officer on your transaction and will be helping you analyze which loan type is right for you. He will also be helping you structure the loan application, pricing your loan, accomplishing your payment goals, and ensuring you have excellent service from beginning to end.   


Chris helped us with our refi. We knew nothing about the process, but he made it a breeze. He answered every question quickly and helped us feel at ease throughout the process. He made our experience quick and painless. Chris is professional, personable, and extremely knowledgeable. Highly recommend.

— Bekah

"Chris was easy to work with and got me a great rate on a refinance. I would highly recommend him."

- Daniel B. (Fresno, CA)

"We worked with Chris to refinance our 30 year mortgage into a 15 year mortgage. Chris was knowledgeable, responsive, and delivered exactly as promised! I highly recommend Chris for any mortgage related needs."

- Kevin G.

"Chris helped us do a refinance on our home. He was very helpful and communicated well thru each step of the way."

- Micah H (Clovis, CA)

"Chris was nothing but professional and knowledgeable. Answered the phone every time I called, and most importantly, he got the job done."

-Cole S. (Ripon, CA)

"We had a great experience doing our refi with Chris and his team.....they made it easy and we ended up with a great rate."

- Kourosh M. (Clovis, CA)

"Working with Chris made my first time home buying experience go smoother than I could have imagined! I went from limited knowledge about the whole process to having all of my questions answered and explained in detail. I was able to give Chris a call and get things sorted out quickly if anything came up. The dream for all program was barely rolled out and he was able to secure us the assistance and loan in the short time it was all used up. Thankful for the opportunity to work with Chris and all who were involved."

-Denis Yevdash

"Chris has been such a pleasure to work with. Actually, that sounds like an understatement, because Chris did all of the work, and worked above and beyond on our behalf! He helped us close on our home purchase when the market is hyper competitive so everything must be in order and fast! He secured us a better rate than I anticipated, without having to come out of pocket to buy down any points. But above all, in a stressful situation with the recent housing market, he put us at ease that he had it under control, with constant communication and a friendly attitude. Thanks, Chris!"

- Mike Williams


The lending industry is constantly changing.

Through "What's Trending in Lending?", Chris Merrill provides weekly updates on lending to keep you informed and help you save money on your loan.

Let’s get you in your home