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)


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