Jorge Merlos

05/18/2026

VA loans offer incredible benefits: 100% financing, lowest rates, and high debt-to-income ratios (up to 66% or 59% with manual underwrite). Plus, no mortgage insurance! Crucially, VA financing requires a cleared termite report, protecting both buyer and seller.

05/14/2026

05/11/2026

5.0 star review received on Experience.com for Jorge Merlos by Miranda R - We had a great experience working with Jorge throughout the home buying process. He was consistently professional, responsive, and patient in answering all of our questions. He made what can be a stressful process feel smooth and manageable by keeping us informed every step of the way! We would highly recommend him to anyone looking for a knowledgeable and reliable loan officer.

Click to see all 554 reviews of Jorge Merlos, Loan Officer | NMLS # 290938

05/06/2026

VA Loan: Don't Buy Without It! Veteran Home Buying Explained

Did you know you can use your VA loan more than once? Don't let veterans miss out on this powerful tool for homeownership. Plus, discover property tax exemptions for disabled veterans that can save thousands. It's the best loan product available – make sure they use it!

05/02/2026

While affordability often focuses on monthly payments, consider the strategic advantage of down payments.

For buyers with strong credit and available cash, putting 15% down instead of 20% on a $600,000 home frees up $30,000. This difference could be crucial for immediate renovations like a kitchen or bathroom.

The impact on the monthly payment might be surprisingly small—around $300-$350. For qualified borrowers, the extra cost of Private Mortgage Insurance (PMI) at 85% LTV could be minimal and temporary, often removed within 5 years.

05/02/2026

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