Bill Mervin Team

09/01/2026

Don't let closing day become a scammer's opportunity.

When you’re getting close to closing, your inbox is probably full of messages from your lender, real estate agent, title company and attorney. That’s exactly what scammers are counting on.

Wire fraud scams often look surprisingly legitimate, which is why it’s so important to verify wiring instructions and be cautious about unexpected changes or requests for personal information.

A few extra seconds of verification could save you from a very expensive mistake.

Scammers often impersonate lenders, title companies, attorneys, or real estate agents in an attempt to redirect closing funds or collect personal information.

08/31/2026

4.8 star review received on Experience.com for Bill Mervin by Michele M - Hardest working team to get a mortgage. I would truly recommend them and also for giving great advice!

Click to see all 751 reviews of Bill Mervin, Mortgage Branch Manager | NMLS # 313416

08/29/2026

"Hardest working team to get a mortgage. I would truly recommend them and also for giving great advice!" says Michele on Google

★★★★★ Hardest working team to get a mortgage. I would truly recommend them and also for giving great advice!

08/29/2026

5.0 star review received on Experience.com for Bill Mervin by Edna M H - Bill kept his word and was able to get us approved and package in a timely manner. Everyone was professional and helpful and we didn't experience any setbacks thanks to the team's knowledge and proficienc. I would definitely use them again.

Click to see all 750 reviews of Bill Mervin, Mortgage Branch Manager | NMLS # 313416

08/27/2026

Business owners know the reality: deductions and business expenses can make taxable income look very different from the cash flow behind the business.

That doesn’t automatically mean homeownership is off the table.
There may be mortgage options that take a different approach to documenting income, depending on your situation.

If you’re self-employed and thinking about buying, send me a message. Let’s look at the full picture before you count yourself out.

08/27/2026

"Professional, experts in the field and great to work with." says Mimi on Google

★★★★★ Professional, experts in the field and great to work with.

08/26/2026

5.0 star review received on Experience.com for Bill Mervin by Shannon C - Very patient. Answered all questions in detail and in layman's terms.

Click to see all 748 reviews of Bill Mervin, Mortgage Branch Manager | NMLS # 313416

08/25/2026

5.0 star review received on Experience.com for Bill Mervin by Joseph E C - Bill Mervin is hands-down an exceptional mortgage broker. He made our home financing process efficient, transparent, and completely hassle-free. Bill’s responsiveness, industry expertise, and commitment to getting us across the finish line smoothly made all the difference. I highly recommend Bill to anyone looking for expert guidance on their mortgage!

Click to see all 748 reviews of Bill Mervin, Mortgage Branch Manager | NMLS # 313416

08/25/2026

Only 65% of small business owners feel confident in managing their cash flow.

And for small business owners, entrepreneurs and self-employed borrowers, qualifying for a mortgage can look a little different.

Your income may fluctuate. You may reinvest heavily into your business. Your tax returns may show deductions that don't tell the entire story of your financial picture.

And because Luminate Bank combines banking and mortgage lending, the conversation can go beyond the mortgage itself.

If you're a business owner thinking about buying a home, refinancing or investing in real estate, it may be worth having the conversation before assuming a traditional mortgage is your only option.

Luminate Bank is an FDIC-insured bank and a full-service mortgage lender, offering business banking, commercial financing, and residential mortgage solutions.

08/20/2026

The back-to-school reset shouldn’t stop at school supplies and calendar reminders.

When your family’s schedule changes, it’s worth taking another look at your financial routine, too.

One thing people often overlook? Payment timing. Your mortgage, bills, and other automatic payments should fit into your real-life cash flow as smoothly as possible.

A few small scheduling changes can make a busy month feel a whole lot more manageable. And honestly, anything that makes the family calendar easier deserves a little attention.