Ginny Merritt, PrimeLending NMLS: 422603

Ginny Merritt, PrimeLending NMLS: 422603 Ginny Merritt, senior loan officer title not my jam.. more like ..seasoned pro let’s go! At PrimeLending, we are Home Loans Made Simple®.

Ginny Merritt has been working as a Loan Officer for over 24 years and has been a top producer in the field for most of that time. She has been an in-house builder lender for two decades, and providing top customer service for her builder partners has allowed her to become known as the "Builder Whisperer". Ginny has also worked with some superstar Realtors and is blessed to have been a part of man

y Realtor teams. She continues to align herself with those that are top in their field so that her clients experience ease and a certain sense of calm that only the top in their field can deliver. Ginny knows that knowledge is power and her chief aim in lending is education, constant communication, and transparency. She loves seeing the smiles on her client's faces when they get the keys to their new homes. In her free time, Ginny enjoys spending time with her husband Robert, their two boys, Daniel and Liam, along with her silly doodle Duke. She also loves traveling and the occasional scooter ride through her neighborhood! Ginny is an avid foodie and enjoys checking out new spots, especially a good food truck. Connect today to get started :

https://lo.primelending.com/ginny.merritt

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PrimeLending NMLS ID: 13649 I’m Ginny Merritt, NMLS 422603, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. primelending.com/legal Equal Housing Lender https://www.facebook.com/GinnyMerrittLender/about_details

ATTENTION VETERANS AND ACTIVE MILITARY - VA loan limits are increasing in 2026! The Federal Housing Finance Agency (FHFA...
04/24/2026

ATTENTION VETERANS AND ACTIVE MILITARY - VA loan limits are increasing in 2026! The Federal Housing Finance Agency (FHFA) has announced their one-unit property loan limit for conforming loans will increase to $832,750. Start shopping for your dream home now! Contact your local PrimeLending loan officer to learn more.

Product info subject to change.

Your home equity is more than a number on paper. It could be cash you can tap into to reach the goals you've been puttin...
04/18/2026

Your home equity is more than a number on paper. It could be cash you can tap into to reach the goals you've been putting off.

A cash-out refinance* turns a portion of your home equity into a lump sum of cash that you can use however you want. Homeowners often use it to take that long awaited vacation, pursue their degree, fund a renovation, or invest in what's next.

If you're curious how much equity you could access, let's run the numbers and see what's possible. Reach out to start the conversation.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

Between rent, bills, and life, saving up for a 20% down payment can feel like a slow climb. But, what many homebuyers ma...
04/15/2026

Between rent, bills, and life, saving up for a 20% down payment can feel like a slow climb. But, what many homebuyers may not realize is that there are loans designed to help with the down payment.

A down payment assistance program* (DPA) helps make it possible to buy your home without having to use your life savings.

Let's connect to discuss your DPA options.

*Certain restrictions apply. Not available in all areas. Please contact your PrimeLending loan officer for more details.

29 years in this business teaches you a lot.I’ve seen rates climb, drop, stall out, and swing back again. Lived through ...
03/20/2026

29 years in this business teaches you a lot.
I’ve seen rates climb, drop, stall out, and swing back again. Lived through multiple wild markets.
That kind of history means I don’t panic when headlines do. In fact sometimes the best time to take action is when others are fearful.
When we talk about your options, it’s not just about what’s happening this week. It’s about what’s worked through different cycles and how to position you smartly right now.
Buying or refinancing is too important to wing it or accept just any random lender. The value of working with someone experienced that can educate and motivate you to buy real estate in any market is worth so much more than the bargain basement “ cheap” rates you see online. I use “ “ because most of the time it’s clickbait + terrible service. 😆
If you want to talk through your situation and get a steady take on it, I’m here. It’s time to embrace the new normal and stop hesitating every time you see an article online or when the rates trickle up a bit. Home buyer education and long term goals are my specialty ! 🌱 The best time to buy a house will always be 5 years ago so buy the house if it’s in your budget 🙌🏼

Working this weekend! 🏘️💻 yes the market is wild .. seems like every weekend we have more wild news to absorb .. and hop...
03/07/2026

Working this weekend! 🏘️💻 yes the market is wild .. seems like every weekend we have more wild news to absorb .. and hope for Mondays rates to be lower 😆 but at this point I feel like this is the new normal and as long as paymets are comfortable, it makes sense to buy now!! You have the advantage as a buyer in this market ( depending on price point )
so why not take the leap! If payment is comfortable, buying a home that could create generational wealth always makes sense! Reach out to me if curious about payments and or if you’re thinking of buying a home in the next couple months! I work with several Realtor experts that I trust as well as I am the in house lender at Legacy Homes in Modesto.

Stress free is the way to be ! 🙂
02/09/2026

Stress free is the way to be ! 🙂

Tempted by a “limited-time” refinance offer? Don’t let the hype influence your decision. Not all refinance offers you ma...
10/15/2025

Tempted by a “limited-time” refinance offer? Don’t let the hype influence your decision. Not all refinance offers you may be seeing are created equal.

Before you commit to anything, let’s take a closer look at your mortgage – together. I’m here to help you explore every option so you can make an informed, confident decision that aligns with your goals.

Honest advice. No pressure. Just clarity. Reach out today.

Homeownership isn’t just about having a place to live. It’s about investing in your future. When you rent,...
07/12/2025

Homeownership isn’t just about having a place to live. It’s about investing in your future. When you rent, you're paying to live in a home or apartment, but that money isn’t working for you. When you own a home, your monthly payments help you build equity — essentially a financial stake in something that can grow in value over time. As you pay down your mortgage and your home appreciates, you’re building wealth that can be passed down for generations.

$0 Down Pros & Cons: A $0 down payment loan is exactly what it sounds like, a mortgage that does not require a down paym...
07/12/2025

$0 Down Pros & Cons:
A $0 down payment loan is exactly what it sounds like, a mortgage that does not require a down payment. Like any decision, there are pros and cons to a $0 down mortgage.

PRO — Buying a house with no money down means buyers won’t have to drain their savings to try to meet the down payment requirement. 🏡💰
CON — Typically, no down payment mortgages have a higher interest rate than traditional mortgages which can lead to larger monthly payments. 📈💸
PRO — You could get into a home sooner because you won’t have to save up a down payment. 🚪🔑
Have questions about down payments or $0 down loan options? Send me a DM — I'd love to chat! 💬📲

07/03/2025

You might be sitting on one of your biggest financial resources and not even realize it! 💵💵💵

Home equity isn’t just a number on paper. With a home equity loan*, you will receive a lump sum of cash you can use however you want. It can help fund renovations, pay for college, consolidate high-interest debt or give you the financial flexibility to take your next big step. The best part? You’ve already built it, now it’s about putting it to work for you. Why wait if you need it now?

Want to see how your home equity could open new doors? Message me explore your options.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

Address

711 East Canal Drive, Suite B
Turlock, CA
95380

Telephone

+12099880229

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