Image of Merry Cristiani
4.98
out of 130 reviews

Merry Cristiani

Senior Loan Officer

(858) 699-3154
mcristiani@mhslending.com
NMLS# 1717999

About Merry

Merry is an experienced & dedicated Senior Loan Officer who is committed to providing her clients top notch customer service. With a background in finance and non-profit work, she is uniquely positioned to help each of her clients reach their home loan goals. Always going the extra mile, she serves her clients with integrity, warmth & consistent communication. As a VA home loan specialist, she loves working directly with her community members, in particular active duty members, veterans, and their families. In her free time, Merry enjoys taking her two little girls to Balboa Park and Liberty Station, and volunteering with local arts nonprofits. 

Reviews

Client Reviews

What my clients are saying.
Purchase
Marine Corps
Would Recommend
05/30/2024
Overall Review:

The best service and dedication my family and I could have ever received. You made a Female Combat Marine’s dream come true. Thank you so much!

Team Review:

Easy, Fast and determined

- Patricia T.
Read More
Purchase
Navy
Would Recommend
05/28/2024
Overall Review:

Marry and her team did a excellent turn around to get me approved and in my new home,even when I got frustrated I was assured that all will be well and it was,great job team

Team Review:

Was great and the best thing for a while

- Keevan S.
Read More
Purchase
Navy
Would Recommend
04/23/2024
Team Review:

This is literally the first review I have ever written for a company or person but I feel like it is definitely warranted here. I was trying to purchase a house under some unique circumstances. I had already went to 3 different lenders and was turned down. Luckily, I have an awesome friend who introduced me to Merry. From the very first conversation I had with her I knew I was in great hands. She listened to all the challenges I was facing and immediately knew what to do. Throughout the entire buying process she was in constant communication, she let me know every detail about what was going on and was ALWAYS available to take a call and explain everything! I cannot stress enough how much she helped my family and I. Literally shaped our future. This woman and her team (I can’t leave Gauge out) absolutely crushed it and I was able to finally close on a house after months of being turned down and then dealing with some pretty lousy sellers. Merry was on point and knowledgeable about literally everything. Highly highly highly recommend this team to anyone!

- Robert F.
Read More
Purchase
Air Force
Would Recommend
04/22/2024
Overall Review:

ONCE AGAIN, IT'S MERRY AND BAND OF FINANCIAL MIRACLE WORKERS!! YOU MAY REMEMBER ABOUT 3+ YEARS AGO MERRY WORKED HER MAGIC AND HELPED THIS CANTANKEROUS VET AQUIRE HIS FIRST PROPERTY IS HIS LIFE. WELL GUESS WHAT ???? THEY HAVE DONE IT AGAIN, I NOW HAVE A BEAUTIFUL 4 BEDROOM 2 BATHROOM HOME TO CALL MY OWN !!! I WILL BE 65 THIS YEAR , AND THIS IS MY FIRST SINGLE FAMILY HOME !! I AM FOREVER GREATFUL FOR MERRY AND HER TEAM, AND A BIG SHOUT OUT TO MY AGENT LaTOYA GUINN SHE BROUGHT THE SMOKE

- Jesse M.
Read More
Purchase
Air Force
Would Recommend
04/16/2024
Overall Review:

Working with Merry brings such comfort and joy to this transaction

Team Review:

Everything during this process brought such connections that made it very smooth and worthwhile...thank you so much Merry for all you do...

- Erwin W.
Read More
Cash-Out Refi
Army
Would Recommend
04/09/2024
Overall Review:

Merry Cristiani and her team demonstrated the true meaning of professionalism. They exhibited true patience, understanding, and committment during my roller coaster refinance. I am happy I choose them and I actually 😃 smiled for the first time in 5 years. I stand by them, with them and recommend them 100%. Cheers The Robinson family

Team Review:

A excellent finish to a wild roller coaster ride.

- Dwight R.
Read More
Purchase
Marine Corps
Would Recommend
04/09/2024
Overall Review:

This was my first time buying a home and of course I was nervous and knew little about the process. Merry Cristiani's professionalism and ability to keep me calm in stressful situations was priceless.

Team Review:

Merry Cristiani and her team were excellent. Everything was done in excellence. I was kept informed throughout the process. Merry Cristiani and her team, I feel went above and beyond to assist me in a successful home buying experience. This being my first time buying a home and not knowing anything, they made this experience seem seamless. I would recommend this team and Military Homespot to anyone looking to purchase a home with peace of mind and great professionalism for the staff.

- Mark H.
Read More
Purchase
Army
Would Recommend
04/07/2024
- Beauregard B.
Purchase
Marine Corps
Would Recommend
03/27/2024
Overall Review:

We just got out of Chapter 13 and didn’t think we had a chance to ever get approved for a home loan but Merry and her team made our dreams come true. We cannot thank her enough! We highly recommend her to anyone.

Team Review:

Merry and her team were great to work with. She can get you approved when no one else can. We cannot thank her and her team enough.

- James E.
Read More
Purchase
Army
Would Recommend
03/27/2024
Overall Review:

Loved working with Merry, great communication and extremely attentive work ethic!

- Robert B.
Purchase
Army
Would Recommend
03/25/2024
Overall Review:

They were very knowledgeable and when others said that they couldn’t get us approved, they did. Also they worked with us thru the whole process. Thanks again

- Donald G.
Read More
Cash-Out Refi
Navy
Would Recommend
03/18/2024
Overall Review:

I’m very happy to say that I found my forever loan officer Merry Cristiani! She’s awesome! With Merry you get 100% transparency and communication lines are always open! She just makes the process so much easier. It’s so hard to find someone you can truly trust in this business and I’m thankful I have. I highly recommend Merry Cristiani & MHSL!

- Teresita O.
Read More
Purchase
Army
Would Recommend
03/13/2024
Overall Review:

Merry, Me and my wife just want to thank you for all your handwork and dedication in making this happen! I know it wasn’t easy and you somehow made a miracle work! We appreciate you and your communication and ability to educate us during the process and beyond. You made this happen and we are forever thankful and grateful for your support and commitment! The Green Family is your biggest fan and will stay committed to Military Homespot! Thank you!

Team Review:

Merry, Me and my wife just want to thank you for all your handwork and dedication in making this happen! I know it wasn’t easy and you somehow made a miracle work! We appreciate you and your communication and ability to educate us during the process and beyond. You made this happen and we are forever thankful and grateful for your support and commitment! The Green Family is your biggest fan and will stay committed to Military Homespot! Thank you!

- Tywon G.
Read More
Purchase
Navy
Would Recommend
03/12/2024
Overall Review:

Merry was amazing to work with, she communicated everything so well, she was very friendly and made sure I understood everything going on. She has us as clients for life. We have used multiple lenders before but this one is better then them all.

Team Review:

Amazing experience, everyone was friendly and communicated everything going on and made sure we really understood everything going on.

- Michael L.
Read More
Purchase
Marine Corps
Would Recommend
03/08/2024
Overall Review:

Great help and service

Team Review:

Great help and service

- Tyler M.
Purchase
Army
Would Recommend
02/28/2024
Overall Review:

Very on top of everything making for a smooth process

- Triston S.
Purchase
Army
Would Recommend
12/18/2023
Overall Review:

My agent was amazing to work with. She answered any questions I had and helped me any time I asked a question. I will definitely use her again if I ever need another home loan.

Team Review:

Helped with any questions and made everything clear and kept me informed about the process.

- James Y.
Read More
Purchase
Navy
Would Recommend
12/12/2023
Overall Review:

Merry was and is absolutely amazing! This was my first home buying process and Merry held my hands through the entire process. She was knowledgeable, patient, compassionate and made me feel as if we were the best of friends. I couldn’t have done this without her support and service. I highly recommend her.

- Nadine J.
Read More
Purchase
Air Force
Would Recommend
11/29/2023
Overall Review:

Merry was wonderful! She was patient in answering our questions. She was very knowledgeable about the mortgage and VA loan process. We will definitely reach out to her again if we ever need assistance in the future.

- Aaron H.
Read More
Purchase
Army
Would Recommend
11/14/2023
Overall Review:

I recently had the pleasure of working with Merry Cristiani, and I must say, she was absolutely fantastic! From start to finish, she went above and beyond to ensure that my home loan process was smooth and stress-free. First and foremost, her knowledge and expertise in the field were evident. She took the time to explain all the intricate details of the loan process, making sure I understood everything before moving forward. Her patience and willingness to answer all my questions were truly commendable. Not only was she knowledgeable, but she was also incredibly responsive. Whenever I had a question or concern, she was always just a phone call or email away. Her promptness in addressing my inquiries made me feel valued as a client and gave me peace of mind throughout the entire process. Furthermore, her professionalism and attention to detail were impeccable. She meticulously reviewed all the necessary documents, ensuring that everything was in order and that there were no surprises along the way. Her thoroughness gave me confidence that I was in good hands and that my best interests were being taken care of. Lastly, her friendly and approachable demeanor made the entire experience enjoyable. Buying a home can be a stressful and overwhelming process, but she made it feel like a breeze. Her positive attitude and willingness to go the extra mile truly set her apart. Overall, I cannot recommend Merry enough. Her knowledge, responsiveness, professionalism, and friendly nature make her an absolute pleasure to work with. If you're in need of a home loan, look no further - she's the best in the business! The whole team was amazing to work with!

- Santana-Jade H.
Read More
Purchase
Navy
Would Recommend
11/13/2023
Overall Review:

This team went above and beyond for us we are eternally grateful for all that they have done for us!!! Again thank you all so very much!!

Team Review:

The experience was great they were always available and communicated and kept us informed on everything

- Derrick B.
Read More
Purchase
Army
Would Recommend
11/01/2023
Overall Review:

I have nothing but good things to say about my experience from start to finish!

Team Review:

In June of 2023 my husband was working in Korea while our kids and I were living in Washington state. We were faced with an extremely tight timeline in which to find and buy a home in Maryland; hoping to have keys in hand by mid/late August. Almost the entire home buying process would need to be done virtually, often juggling communication between parties in 2 to 3 time zones. Luckily, my husband’s brother (a realtor in California) referred us to Merry Cristiani for all our lending needs. She was amazing in so many ways, so for brevity’s sake I will focus this review on her diligent communication, expertise, and caring personality. My husband and I initially reached out to Merry via text message to explain our situation and her response was immediate. She was flexible and committed to finding a time when we could Facetime together (despite the tricky time zone differences) for introductions and initial questions. After that call, Merry charged full speed ahead: gathering our information and documents as needed, checking in with us often as we virtually searched for homes, and continuing to respond promptly to our many texts and emails. She also was great at communicating directly with our realtor as needed as well. There is a reason Merry is listed in my contacts as “Loan Guru” (paired with the fire emoji)...because she KNOWS HER STUFF! This is our second time buying a home, yet my eyes still glazed over when discussing the paperwork, timelines, and numbers involved with the whole process. Merry was so patient and willing to explain (often more than once) answers to any questions we posed. She helped us gameplan a realistic price range to stick to that would allow us to meet our long term monthly budget. Her confident professionalism and wealth of knowledge and experience put my mind at ease. I could fully trust in her ability to complete her job without feeling the need to ‘keep tabs’ on her progress. She and her company were able to process all paperwork virtually and complete everything in a shorter time frame than typically offered by lenders- which was essential for procuring our home in time. Above all else, Merry demonstrated her caring personality through humor and positivity which brought levity to this very stressful and chaotic time for my family. She even checked in with us a few times after we moved into our new home and sent us a thoughtful housewarming gift. I seriously can’t recommend Merry enough!

- Michael N.
Read More
Purchase
Army
Would Recommend
10/18/2023
Overall Review:

Working alongside Merry and her strategic counterparts was a refreshingly positive experience. Being a first time home buyer, I was treated professionally and most of all, like family. It is a great feeling to be guided and cared for... No question was overlooked. It reminded me of military camaraderie.

- John E.
Read More
Purchase
Would Recommend
10/12/2023
Overall Review:

Merry is one of the most professional and helpful people that I know. She will make sure, every and any task gets done, regardless of the circumstances. I cannot recommend her enough to anyone that I know or reads this. She is phenomenal at her job! Thank you so much Merry!

Team Review:

Merry is one of the most professional and helpful person that I know. She will make sure, every and any task gets done, regardless of the circumstances. I cannot recommend her enough to anyone that I know or reads this. She is phenomenal at her job! Thank you so much Merry!

- Nicolas A.
Read More
Purchase
Navy
Would Recommend
10/05/2023
Team Review:

My last day in the navy was a Friday, and a friend (follow veteran) asked if I wanted to speak to someone about buying a house, I replied "sure". Got a call the following Monday and closed seven weeks later. The process was effortless to me, which speaks volumes for the effort that the team expended on my behalf.

- Phillip B.
Read More
Purchase
Army
Would Recommend
10/05/2023
Overall Review:

I had the best experience. She worked so hard and helped me out and kept in close contact with me the whole time I would recommend her to anyone I know that’s buying a house, and I would absolutely use her again because she was outstanding.

- Alyssa C.
Read More
Purchase
Marine Corps
Would Recommend
09/06/2023
Overall Review:

Extremely fast and hassle free experience!

Team Review:

Answered any and every question I could come up with, very fast responses!

- Justin W.
Purchase
Army
Would Recommend
08/25/2023
Overall Review:

Merry was such a pleasure to work with! She walked us through each step with ease and was there to answer any and all questions! We are so grateful for her and the team!

Team Review:

Merry was such a pleasure to work with! She walked us through each step with ease and was there to answer any and all questions! We are so grateful for her and the team!

- Kris B.
Read More
Purchase
Marine Corps
Would Recommend
08/23/2023
Overall Review:

Merry was great really managed my expectations and educated me on the process

Team Review:

Everything was great

- Michael M.
Purchase
Army
Would Recommend
08/17/2023
Overall Review:

Merry is awesome is very knowledgeable and experience in her Job. It is a pleasure to work with her. I am thankful for her that helped me with my first house and now this one. I couldn't be happier that she was there for us again

Team Review:

Her assistant was incredible helpful

- Harold B.
Read More
Purchase
Army
Would Recommend
08/11/2023
Overall Review:

This was a very pleasant experience. The home buying process is a tough one so it’s amazing when you have a team supporting you like this one to make that process as smooth as possible. Merry went above and beyond to assist my family. Not once did I feel like a customer, she made me feel like a friend! She’s very passionate about what she does and it shows. She matched my energy and aggression to assure the deal got closed! I highly recommend having Merry in your corner throughout this process! Truly a breath of fresh air! P.S. - She was literally making calls after hours while performing “Mommy Duties” It was very symbolic to me and showed me how invested she was into making sure me and my family got the home we wanted.

Team Review:

This was a very pleasant experience. The home buying process is a tough one so it’s amazing when you have a team supporting you like this one to make that process as smooth as possible. Merry went above and beyond to assist my family. Not once did I feel like a customer, she made me feel like a friend! She’s very passionate about what she does and it shows. She matched my energy and aggression to assure the deal got closed! I highly recommend having Merry in your corner throughout this process! Truly a breath of fresh air! P.S. - She was literally making calls after hours while performing “Mommy Duties” It was very symbolic to me and showed me how invested she was into making sure me and my family got the home we wanted

- Michael J.
Read More
Purchase
Army
Would Recommend
07/31/2023
Overall Review:

The whole process was quick and non stressful. Everyone who was apart of my loan process was great and well versed in their field. I will be recommending this company to all my veterans friends.

Team Review:

This process was quick and easy thanks to the loan company.

- Kantrelle C.
Read More
Purchase
Army
Would Recommend
07/13/2023
Overall Review:

Everything went smooth. Merry and her team were absolutely wonderful, quick to respond, and able to ease the nerves of being a first time home buyer

- Joshua I.
Read More
Purchase
Marine Corps
Would Recommend
06/29/2023
Overall Review:

Merry was so helpful with the whole process. For my first house there was minor hiccups but in the end I have an amazing house thanks to her!

Team Review:

The team was super helpful understanding what documents were needed and for the reasons they needed.

- Robert M.
Read More
Purchase
Army
Would Recommend
06/26/2023
Overall Review:

The company as a whole worked very hard on getting me and my family in a house even tho I didn’t have the best credit. I will recommend MHSL to anyone I know that is looking for a home!

Team Review:

Merry Cristiani was the best person I think I have even had the pleasure of working for! Very active and motivated to get me a line and a house! She was always contactable and answered any questions I had and never made me feel feel like I was a bother or that she was to busy for me! I will recommend her to anyone that needs a load for a home! She really was the most amazing person to work with couldn’t have asked for anyone better!

- Michael M.
Read More
Purchase
Navy
Would Recommend
06/23/2023
Overall Review:

This process was very tedious but it was definitely worth it and I am enjoying my new home. Merry was communicating with me from day one until closing day and even after just to check on me, she made this a very easy process and I’m thankful for her and this wonderful company.

Team Review:

This process was very tedious but it was definitely worth it and I am enjoying my new home. Merry was communicating with me from day one until closing day and even after just to check on me, she made this a very easy process and I’m thankful for her and this wonderful company.

- Dion M.
Read More
Purchase
Army
Would Recommend
06/17/2023
Overall Review:

Very simple and straight forward. What I thought would be extremely stressful, MHSL made it so much easier.

Team Review:

Could not ask for better customer service. Working with Merry and her team definitely made this whole process a lot easier. From the application, to closing, they guided me through the process, and helped me secure my beautiful home quickly. She made herself always available to answer any of my questions, and was always there with words of encouragement when things got complicated. Without Merry and her team, none of this would’ve been possible. Would recommend her to anyone.

- Charles G.
Read More
Purchase
Army
Would Recommend
06/14/2023
Overall Review:

Merry and her team were fantastic to work with. They were very helpful and professional! Only issues I had was with the realtor but to no fault to Merry and her team. I am very appreciative of having the opportunity to work with them!! 10/10 recommend

Team Review:

10/10 recommend. Merry and her team were fantastic

- Johnathon A.
Read More
Purchase
Navy
Would Recommend
06/12/2023
- Darrin J.
Purchase
Marine Corps
Would Recommend
05/05/2023
- Cardimy O.
Purchase
Army
Would Recommend
05/01/2023
Overall Review:

From application to close the experience enjoyable! Professional with the right amount of personal.

Team Review:

Merry and her team made our lending process one of the best experiences we’ve ever had ! To be knowledgeable and experienced at what you do is expected. This group was above and beyond our expectations by cultivating and maintaining a pleasant environment, excellent communication, and the perfect mix of professionalism and personalized service. We actually looked forward to our next conversation with this team after every interaction!! MHSL should be proud to have Merry and her team on their side, they’re amazing people !!!

- John B.
Read More
Purchase
Army
Would Recommend
04/06/2023
Overall Review:

I never would have thought that owning a home would be possible. I want to thank Merry for being there every step of the way in helping me being able to finally have a place that I can call home.

- LaKeshia G.
Read More
Purchase
Navy
Would Recommend
03/27/2023
Overall Review:

My experience with Merry and her team was amazing. Always available for a text, email and/or phone call whenever I needed clarification on something. As a first time homebuyer, I had a ton of questions for Merry and Annel and every single one of my questions got answered in detail to where I can understand it and that was very important to me. Very professional and motivating to ensure I got exactly what I wanted, as I am a pretty picky buyer.

Team Review:

She has my highest recommendation to anyone looking to buy and when I'm ready to buy again, I'll definitely be back. And also, Annel Vargas is by far the best real estate agent I've worked with. A++++

- Daris L.
Read More
Purchase
Navy
Would Recommend
03/21/2023
Overall Review:

This is my second time using Military Homespot Lending, and my second time working with Merry Cristiani. I continue to have a great experience working with Merry and her team during the 'oh-so-stressful' home buying and selling process. Merry is very thorough with me as I love to know every step of the process and make sure I know what documents are needed and what step we're waiting to be completed before moving forward. I will continue to use this team for any future home buying/selling evolutions!

Team Review:

Merry Cristiani and team continue to be phenomenal throughout the entire process. This is the second time I've worked with them, and I think they'd agree that this time things were a little bit complicated (not because of myself or them, but because it was a relocation using a third party). Merry knows that I am always wanting an update on what we're waiting for in order to get us to the next step and was always quick to provide me with a response even if she wasn't sure exactly where we were with the loan process (like when it was in escrow's hands). I will always use Merry and her team as long as she is a loan officer!

- Emily B.
Read More
Purchase
Navy
Would Recommend
03/20/2023
Overall Review:

It was an amazing experience!! Everything was easy and upfront. With the help of our team and realtor, we have now accomplished our goal of owning a home. We appreciate all the hard work everyone put in to make this goal happen. -Luis CH & Sheila R

Team Review:

Merry was amazing!!! We had worked with her before in 2022 and we definitely wanted to try again and work with her again. She was kind, knowledgeable and just overall awesome!! She knew what we wanted and what our goals were, and she made sure it happened. We appreciate everything you’ve done and will be in touch, if we decide to buy another home in the future. Luis CH. & Sheila R.

- Luis C.
Read More
Purchase
Marine Corps
Would Recommend
02/28/2023
Overall Review:

Merry was awesome she did great, I’m so happy in my new home thank you military home spot lending.

- Angel O.
Purchase
Army
Would Recommend
02/14/2023
Overall Review:

You all kept in great communication with us on each step.

- Jennifer J.
Purchase
Marine Corps
Would Recommend
02/08/2023
Overall Review:

Merry was great help throughout this difficult process. She guided me through every question I had with detail and patience. Merry went that extra mile every time I needed advice and would always answer when I needed something. MHS Lending is GREAT!

Team Review:

Merry was great help throughout this difficult process. She guided me through every question I had with detail and patience. Merry went that extra mile every time I needed advice and would always answer when I needed something. MHS Lending is GREAT!

- Teno D. V.
Read More
Purchase
Marine Corps
Would Recommend
12/30/2022
Overall Review:

I applied and 40 days later are moving into our new home. We are grateful for all the hard work from all phases of the process. Thank you

Team Review:

They worked hard for us. Thank you

- Roderick B.
Read More
Purchase
Marine Corps
Would Recommend
08/05/2022
Overall Review:

Merry is amazing. She's always making sure to explain every step of the way though what has become an apparently overwhelming task. With Merry and her team, it becomes less overwhelming and we appreciate that immensely

Team Review:

Merry and her team are the most wonderful people I've ever had the pleasure of working with. When it comes to a mortgage, refinance to a lower rate or a cash out refi, they take the stress out of the situation. We've chosen Merry and Military Homespot Lending, several times over the years. Really knowledgeable about the VA loan process and just a down home bunch of professionals. Thanks to the team at Military Homespot Lending, we're going to be able to get our new roof and a much needed HVAC system.

- Ray M.
Read More
Purchase
Marine Corps
Would Recommend
04/01/2022
Overall Review:

Merry was extraordinary ! She helped my husband and I buy our first home back in 2019 and I knew I had to reach out to her once again. I am so glad we decided to have her help us with our loan process. She explained everything so thoroughly and if I had questions she would answer in a timely manner. Merry and her team went above and beyond to ensure that my loan was approved and processed in a timely manner. For anyone looking to purchase a home, Merry and her team are the way to go ! You won’t have regrets or stress.

- Jose M.
Read More
Purchase
Army
Would Recommend
03/28/2022
Overall Review:

Merry was extraordinary! I could not have asked for a better person to help me with my loan processes than her. She answered all my questions in a fast manner. She thoroughly explained everything I needed to know. Merry and her team went above and beyond to ensure that my loan was approved and processed.

- Brittan B.
Read More
Purchase
Army
Would Recommend
02/17/2022
Team Review:

She was wonderful and did a great job to fund us. Thank you for all the help

- Christian T.
Purchase
Marine Corps
Would Recommend
02/09/2022
Overall Review:

As first time home buyers we needed some help understanding some of the real-estate language and she helped break it down for us. And was understanding with our concerns .

Team Review:

Merry Cristiani is great to work with. Answered all our questions and concerns about the home buying process. She and her team are real professionals. Loved working with her.

- Moises C.
Read More
Purchase
Army
Would Recommend
02/01/2022
Overall Review:

Merry Cristiani was a very nice person to work with. She kept me motivated for a place of my own from start to finish.

Team Review:

I worked with an excellent agent that kept me informed at a consistent basis.

- Felizardo G.
Read More
Purchase
Air Force
Would Recommend
12/16/2021
Overall Review:

Merry and her team were so thorough and supportive throughout this entire process. Any question was addressed and I never had a problem contacting them. I am in Colorado and was concerned being that MHS is based in California, but Merry and her team made it seem as though we were in the same city! Addressed all of my concerns promptly and I can't say enough about the professionalism. Grade A bunch!

Team Review:

Everything about the process was great with MHS. Merry and get team were awesome! This was my first home and everything was explained so clearly and I never once felt rushed or ignored. Thank you all so much!

- Chapelle J.
Read More
Purchase
Navy
Would Recommend
12/13/2021
Overall Review:

We are so appreciative of her amazing work ethic and helpful advice!

Team Review:

Merry Cristiani is absolutely the best! We are first time buyers and she definitely went above and beyond in helping my family. Overall it was great experience and we are so very grateful!

- Michael B.
Read More
Purchase
Navy
Would Recommend
12/07/2021
Team Review:

Merry and her team were amazing! They made this whole process smooth with me being in Virginia and purchasing a beautiful house in Murrieta California. Merry thank you for making this process super easy and stress free.

- Fernando M.
Read More
Purchase
Navy
Would Recommend
10/25/2021
Overall Review:

Merry is very helpful, kind, I didn't meet her in person but I can feel she's very nice.

Team Review:

Merry and Hong are awesome to work with. Thank you for everything ❤.

- Honorio L.
Read More
Purchase
Army
Would Recommend
10/17/2021
Overall Review:

Merry was recommended to me. I honestly thought it was probably just for a referral fee and was a bit apprehensive as she was hours away from where I was purchasing. Being a veteran I'm used to that but know the end result could be either amazing or catastrophic! However I'm so glad I decided to reach out to her. Merry put in several hours working with me before I was where I needed to be to get approved. She never made me feel like I was bothering her or wasting her time even though she knew I wasn't going to be an immediate"sale". I never felt pushed to the back burner even though I would have understood if I were. She was kind and helpful and knowledgeable. When it came time to purchase I had so many questions and she helped me understand anything that was confusing. I couldn't be happier in my decision to give her a call and will recommend her to everyone who's looking to buy. She was amazing to work with!

- Meagan R.
Read More
Refinance
Navy
Would Recommend
10/05/2021
Overall Review:

Merry is incredible!!! She’s always available, totally knowledgeable and proficient, assertive and ready to take action in anyway she can to completely simplify the home buying/refinancing process, even when there are unforeseen obstacles in the way, she’s always up to those challenges and savvy enough to work through them promptly and gracefully. She really does ALL the heavy lifting for you. There were even times when I would dial her into three way calls with my previous mortgage company so that she could take the reins on difficult conversations. Yes unfortunately they were that bad. Even while engaged in those difficult conversations with difficult people her professionalism never wavered and she followed every conversation with “I’m always happy to help!” And I truly believe she is always happy to help. She is an expert in her field for sure, she loves her job, and she’s really REALLY good at it.

Team Review:

Merry Cristiani reached out to us a few months before we were eligible to refinance through the VA. We already had a rapport with Merry as she was an integral player in helping us purchase our first home. She knew we had problems with the mortgage company we were currently with and wanted to make sure she could help us transit to a better situation as soon as possible and while interest rates were good. She made the entire process so easy and painless.

- Meghan S.
Read More
Purchase
Navy
Would Recommend
09/02/2021
Overall Review:

Merry has shown unparalleled level of professionalism and customer service. Her expertise in VA Loans has helped me greatly in understanding the homebuying process. Thanks again for all your help, Merry!

Team Review:

At the beginning, I thought this homebuying process would be complicated and difficult; however, Merry Cristiani has been incredibly knowledgeable and helpful in explaining to me what needs to happen for this to go smoothly. Communication process of any kind was quick, easy, and painless; everything was done and verified remotely, which has been perfect for the current pandemic. I would absolutely refer Military Homespot Lending to any active duty servicemember and veteran about this great opportunity!

- George N.
Read More
Refinance
Navy
Would Recommend
08/30/2021
Overall Review:

Great communication with Merry. ? Anytime I had a question she was right on it. I wouldn’t have been able to buy a home without her advocacy. And when she told me I could refinance I knew I could trust her.

Team Review:

I purchased and later refinanced my home with Military Homespot Lending. My agent Merry Cristiani was amazing both times!!

- Liliana W.
Read More
Purchase
Air Force
Would Recommend
08/24/2021
Overall Review:

Working with Merry’s team was easy and communication well thought out and informative.

Team Review:

Our experience with Military HomeSpot Lending was smooth sailing! Communication could not have been better! Merry Cristiani and her team made the process flow seamlessly! We highly appreciate and recommend them!

- Jan V.
Read More
Refinance
Army
Would Recommend
08/05/2021
Overall Review:

As always she's absolutely on top of eveything! A breeze to work with!

Team Review:

Merry and her team did it again! We opted for a cash out refinance and everything went well again as always! I recommend MHS lending to everyone especially our veteran and active duty members!

- Joel Y.
Read More
Purchase
Marine Corps
Would Recommend
07/26/2021
Overall Review:

She was very professional. She was very informative she made the process really easy. You could tell she cares about her job and her clients.

Team Review:

Merry was always there for my questions. I tried going with Veterans United and they were a joke.

- David C.
Read More
Purchase
Air Force
Would Recommend
07/14/2021
Overall Review:

Merry was absolutely fantastic! Helpful and knowledgeable in every aspect of this process!

Team Review:

Merry was true Mortgage Loan expert! She was extremely knowledgeable and helped us through every step of the process. Merry answered all of our questions and made herself available whenever we needed anything! I cannot say enough good things about our experience and we are so happy with the professionalism and kindness we received.

- Peter B.
Read More
Refinance
Marine Corps
Would Recommend
06/30/2021
Overall Review:

Exceptional professional customer service delivered efficiently and thoroughly dependable at all levels. A pleasure doing business with Merry Cristiani and the company as a whole. Highly recommend!

- Michael S.
Read More
Refinance
Marine Corps
Would Recommend
06/07/2021
Overall Review:

Merry is the best in the business. She made every possible fast and easy. Will recommend every time!

Team Review:

Hands down the best!

- Felipe G.
Refinance
Navy
Would Recommend
05/31/2021
Overall Review:

This was my Third time working with Merry Cristiani, and I was once again blown away at the level of communication and help I received! Of all the times she has helped me, I can not think of one single thing to gripe about! She communicated very well, explained everything in depth, and was always a phone call away when I had questions. I would absolutely recommend Merry for anybody that is looking, and I hope to have her on my team in the future! Thanks Merry!!

Team Review:

This was my first time using this particular company, but the entire process was very fluid. A combination of great communication and efficiency made the entire process extremely simple. Every staff member I dealt with was professional, polite and quick!

- Brandon J.
Read More
Purchase
Army
Would Recommend
05/17/2021
Overall Review:

Merri Cristiani was amazing throughout the process. There was not one time that she was late with sending me paperwork or got frustrated with the process. She explained everything step throughly so I had minimal questions.

Team Review:

As I stated before... Merri was amazing!

- Shaina P.
Read More
Refinance
Army
Would Recommend
05/17/2021
Overall Review:

Great easy process with Merry and team! will reach out to her in future if needed.

Team Review:

Merry was so helpful and knowledgeable regarding my refinance. She has worked with us twice and it's been smooth sailing! Merry is my to go to loan advisor because she gives logical solutions to refinancing loans. Experience counts for a lot especially in this market. Thanks again Merry and I will refer family and friends to you and your team.

- Richard B.
Read More
Purchase
Navy
Would Recommend
03/31/2021
Overall Review:

The professional attitude, and experience that I received from Merry was by far the best I've received in my many loan transactions, to date. If it wasn't for her Tolerance and understanding this deal would have never been held together. I knew my sense of humor was wearing on her, but she hung in there, when most would have lost there temper. She was a real trooper, major kudos Merry, never say die. Keep up the great work. Best Regards

- Steve D.
Read More
Refinance
Navy
Would Recommend
03/04/2021
Overall Review:

My husband and I just wanted publicly acknowledge Merry C. for going above and beyond the requirements of a loan manager. We have just finished our third loan with her (she handled our first loan as new homeowners, and first refinance as well). Merry was able to explain the details of the mortgage in a way that both of us felt confident in signing the paperwork. She was flexible and accommodating in a way that made us feel like we were her only clients :) Communication with her was effortless and we enjoyed talking with her. Thank you Merry for your patience, kindness and diligence.

- Zawadi W.
Read More
Purchase
Navy
Would Recommend
03/04/2021
Overall Review:

It was outstanding! Merry help me through out the process especially for me this is my first time buying a house! Thank you so much for everything Merry! God bless!!!!

Team Review:

Outstanding !!!!

- Glenna G.
Read More
Purchase
Navy
Would Recommend
02/14/2021
Overall Review:

I was a prospective first home buyer when I was pointed in Merry's direction, and thank goodness! Merry knew more about the VA home loan process than I did, which was helpful since I didn't know much about the home loan process at all! Definitely not downplaying her knowledge or professionalism, I was just expecting to have to tell someone that I was going to use the VA home loan and she was already on top of it before I could mention it.

Team Review:

Being employed full-time and attending online college courses full time, I didn't have a lot of "free" time to figure out what my next steps in the process needed to be. I needed someone fast paced, thorough, and efficient to keep up with my hectic life style. Thankfully, Merry and her team lived up to my needs. They notified me well in advance for any paperwork that needed to be completed, they processed documents as close to same day as possible, and the friendly 'How're you doing? Just checking in and letting you know we don't need anything from you today, still just waiting on ____' text messages kept my anxiety at bay. Merry is extremely fast at covering all things that need to be done throughout the entire process, but I never felt that she was not explaining things thoroughly or that I couldn't ask her to slow down if I didn't understand something. She's no nonsense, straight to the point, gossip after closing type, and she was the perfect loan officer for me! If I am ever in the market again, I hope to work with her and her team. Thanks again Merry!

- Emily B.
Read More
Refinance
Air Force

02/04/2021
Overall Review:

A Big Thank You to Merry Cristiani for our lowest rate refinance! This has been the 3rd time that she helped us and she never disappoints. She was able to show us that the numbers our mortgage company was showing us were quite high. Things I love about working with Merry: 1. She has amazing follow up 2. She does what she says 3. She makes sure everyone else involved does what they say 4. She is truthful and honest 5. She is there for you even after the final paperwork is completed Because I trust her so much it automatically rolls over the Military Home Spot Lending.

- Suzi Beirle
Read More
Refinance
Navy
Would Recommend
01/22/2021
Overall Review:

Expedient and knowledgeable, answered questions with confidence and willing to explain in greater detail when asked. Completed satisfied!!

Team Review:

Merry was amazing, both her and her team were available when needed answered questions and gave detailed explanations so I knew exactly what I needed and why. 100% would recommend to friends and family

- David Green
Read More
Refinance
Marine Corps
Would Recommend
01/14/2021
Overall Review:

This was our second time working with Merry and, as always, she made this a fantastic and smooth experience. We are so thankful for her knowledge and expertise. She provides excellent advice while also creating a space where we can feel comfortable and confident about our decisions.

Team Review:

We are very thankful for a smooth and overall fantastic experience refinancing our home.

- Bryan Thompson
Read More
Purchase
Navy
Would Recommend
12/16/2020
Overall Review:

Thank you so much Merry for helping me purchase my first home. You really stuck by me and help make this dream come true. Thank you again and I will tell all my friends and family about you and your service!!

- Dallas B.
Read More
Purchase
Navy
Would Recommend
11/14/2020
Overall Review:

Ms. Merry was a god send through out my whole purchase experience. She and her staff were immensely friendly, helpful, and was super quick to get back to me with any questions I had. Thank you for all that you did for me!!!

- Cervin Talavera
Read More
Purchase
Army
Would Recommend
11/14/2020
Overall Review:

The best time ever Merry Cristian was incredible in helping us and Ms. Hong in getting our home they did miracles. You have two awesome employees.

- Sandra Barrer
Read More
Purchase
Navy
Would Recommend
11/14/2020
Overall Review:

Wonderful, wonderful experience working with Merry and her team! As a First time home buyer, Merry made sure to explain everything and was there to answer any questions I had. She made sure every step of the process felt easy and stress-free. Merry's customer service is amazing, calls/texts/and emails were all responded to in a timely manner. Very happy I chose to work with Merry and her team!! Will definitely recommend to my coworkers and friends.

- Tania Jimenez
Read More
Refinance
Would Recommend
11/14/2020
Overall Review:

We were able to refinance our house and get an amazing rate with no out of pocket. Merry made everything quick and easy and was available to answer all my questions at literally anytime.

- Maya Garrett
Read More
Would Recommend
11/14/2020
Overall Review:

We were looking for a refinance on our new home and looked so many places. We spoke to Merry and she was amazing. She made it simple and easy to do everything. It took a bit long but that was due to COVID-19. They kept us up to date constantly and made sure we had all the info we needed and answered all our questions. Highly recommend them and make sure to ask for Merry.

- Jon Couch
Read More
Would Recommend
11/14/2020
Overall Review:

Merry Cristiani was awesome. She went above and beyond to make sure that we understand the buying procees. Merry gave expectations of what was reqired from us and what we could expect from her and the Military Home Spot Lending Team. I am big on customer service. Merry delivered exceptional customer service. Merry returned calls in a timely manner and even reached out a few times with updates. Merry was awesome to work with, so awesome that I have recommended your company to several people due to Merry's customer service skills and her knowlege. She is currently working with three potential customers due to my recommendation and they all have the same statement which is Merry is awesome. Again, thank you Merry and the Military Home Spot Lending Team.

- Dedra Woodard
Read More
Refinance
Navy
Would Recommend
11/14/2020
Overall Review:

Merry did my original loan for my condominium. Recently she just took care of the re-financing process of my loan. I have worked with Merry for the past two years, and her performance has been nothing but exceptional. To put into perspective how committed, she is to her clients; I'd like to share my most recent loan experience with her. I am currently deployed overseas with an 11-hour difference. With COVID delays, Merry would continuously be up early in the morning or stay up late at night. To make sure my signing went smoothly. She continues to go above and beyond, regardless of the situation. She is extremely professional and knowledgable in her field. I would recommend her to anyone in a heartbeat. She will be my first and only choice in a few months when I buy my second home. I cannot thank Merry enough for helping me with my dreams of owning a home.

- Nicolas Albarracin
Read More
Refinance
Army
Would Recommend
11/14/2020
Overall Review:

I enjoyed working with Merry C. again, this time to refinance my VA home loan. She is very persistent, yet patient. She made the entire process simple and efficient so I wasn't overwhelmed with countless required documents, she made it seamless. She worked with her team to get an impressive almost 2% lower interest rate from my previous loan. Professional and knowledgeable staff did everything to make the process stress free. They have my trust, definite recommendation to refer to other veterans. Thank you, Rose and Trigger

- Marie A
Read More
Purchase
Air Force
Would Recommend
11/14/2020
Overall Review:

AFTER SEARCHING AND APPLYING TO OVER HALF A DOZEN COMPANIES, I CAN'T REMEMBER HOW I RAN ACROSS MHS LENDING AND MERRY, BUT I AM SO THANKFUL I DID. SHE IS A SAVIOR AND A WARRIOR PRINCESS. SHE EVEN WENT TO BAT FOR ME WHEN I WAS RATE SHOPPING AND SENT HER ANOTHER QUOTE! SHE SHOWED ME THE QUY WAS A CROOK AND WENT TO BAT WITH HER HIGHER UPS ANYWAY. AND WOULDN'T YOU KNOW IT - SHE GOT MY RATE REDUCED, KEPT ME SANE AND EVEN TEXTED WITH MY ON HER BIRTHDAY !!! WHO DOES THAT !!! I HAVE ALREADY REFERRED A VET BUDDY AND HE IS ALSO ELATED !!

- Jesse Mcintyre
Read More
Purchase
Army
Would Recommend
11/14/2020
Overall Review:

Merry Cristiani and Military Home Spot Lending WOW top tier all the way. After not being satisfied with a couple of other lenders, i reached out to a fellow veteran .. Call Merry you won't be disappointed he says. After my prior experiences, i am thinking YEAH RIGHT. A true blessing her expertise was outstanding. My wife Maribel and i were highly impressed by her level of dedication. In the mist of her moving and caring for her family, found the time for us even on weekends. She and her team went above and beyond our expectations. WELL DONE SIX STAR RATING

- Harvey HARCUM SR
Read More
Refinance
Marine Corps
Would Recommend
11/14/2020
Overall Review:

After watching mortgage rates rise and fall, I decided to look into refinancing my mortgage. I contacted several people, and was told that they were too busy, not taking any new business, or had no calls returned at all. I'd almost given up when I reached Merry. Merry went above and beyond to help me with the entire process of refinancing my mortgage. She made sure that I always felt important and proceeded to lock in a great rate. Merry made refinancing my home well worth the effort!! She's amazing and I actually feel like we have a new family member. Give Merry and her team a call, you'll be glad you did!

- Pam Morring
Read More
Refinance
Would Recommend
11/14/2020
Overall Review:

Merry was great to work with!!!

- James Garrett
Would Recommend
10/02/2020
Overall Review:

Merry was awesome!! She was available whenever I needed and provided expert advice whenever I needed it. She did the research and provided the facts, extremely happy with the advice and professionalism she provided throughout the process.

- David G.
Read More
Would Recommend
10/02/2020
Overall Review:

With great communication and patience because I had a lot of questions.

- Elsis M.
Would Recommend
10/02/2020
Overall Review:

Even if it’s the weekend or night, she is always there to help me!!

- Mary E.
Would Recommend
10/02/2020
- Rosemarie A.
Would Recommend
10/02/2020
Overall Review:

Yes! She helped me lock in a great rate and streamline the entire process. It was a pleasure working with Merry! She was an excellent partner navigating the refi process and her ongoing updates made me feel confident we were on track to close our loan!

- Joshua H.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was very friendly, and explained the process very clearly. She helped us to complete the actions and form we needed to close on our house as quickly as possible.

- Thomas M.
Read More
Would Recommend
10/02/2020
Overall Review:

Classic. She is such an awesome and amazing Officer. Nothing to tell but all I got is God bless her. I appreciate her efforts and she really makes home buying easier and very simple.

- Kingsform O.
Read More
Would Recommend
10/02/2020
- Bryan T.
Would Recommend
10/02/2020
Overall Review:

We love her, she’s family to us.

- George R.
Would Recommend
10/02/2020
Overall Review:

She did anything and everything to accommodate us throughout the entire process. This is especially important for military buyers like us. We heavily rely on the knowledge, honesty and professionalism Merry displayed throughout our entire encounter with her.

- Heather B.
Read More
Would Recommend
10/02/2020
Overall Review:

Ms. Merry is always available when I have a question. She makes home buying and refinancing easy, and that’s the reason I came back to her for refinancing.

- Mary Evangeline H.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was the ultimate loan officer. She explained every detail of what was going to happen. Being a first time buyer she took the stress out of the process. Everyone told me this would be a nightmare process, with Merry and her team that was not the case. My hat goes off to her and her team for making this a wonderful experience.

- Clyde B.
Read More

10/02/2020
Overall Review:

As a first time home buyer I had millions of question and was nervous about the whole process. Lucky for me I had Merry to help me and guide through my VA loan application/process. She was very knowledgeable and always available to answer my questions throughout my whole journey. She is amazing and made the process super easy. Hands down she is one of the best and is well recommended. Thank you Merry for my first HOME!

- felipe godinez
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was amazing, always available, even on Super Bowl Sunday. If she hadn’t been so great I probably wouldn’t have gotten the home I wanted.

- Liliana W.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry’s performance throughout the entire process was a lifesaver. As a first time homebuyer, there is an ever present stress hanging over your head, and Merry made this much more manageable! She explained everything in detail, always kept me in the loop, and was always available to address concerns or questions I had. Big thank you to Merry!

- Brandon J.
Read More

10/02/2020
Overall Review:

Merry helped us refinance our home and was amazing in assisting through the whole process! I would highly recommend her to anyone looking to buy or refinance!!

- Sarah Woods
Read More
Would Recommend
10/02/2020
Overall Review:

Merry has always been great to work with, she explains everything so we had a very good understanding of the what, and how. She also is very easy to get in contact with whenever (that’s weekend also)!!!!!!!!!!!!!

- Clyde B.
Read More
Would Recommend
10/02/2020
- Jose M.

10/02/2020
Overall Review:

Merry helped my husband and I refinance our home, she made sure our process was smooth and easy as possible. I highly recommend her and her team they are the best out there.

- jasmine carreno
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was amazing, extremely attentive, friendly, helpful, super informative and knowledgeable of the process. We would often reach out to Merry for clarification on things we were told by other folks involved in the process, is our agent. We trust Merry and her infinite wisdom so she really provides guidance for us during our entire home buying experience.

- Meghan S
Read More
Would Recommend
10/02/2020
Overall Review:

Merry and her team exceeded our expectations and made this experience a positively memorable one.

- Kenton B.

10/02/2020
Overall Review:

Ask for Merry! She made it happen for me no matter what! So glad I chose her.

- Daisy Albavera-Uribe
Would Recommend
10/02/2020
Overall Review:

A special thank you to Merry for her help during my refinance! She made the process effortless on my part from start to finish, truly making me feel like I was being taken care of and valued as a customer. I would not have asked for a better loan specialist to work with!

- Brandon J.
Read More
Would Recommend
10/02/2020
Overall Review:

Let’s just say she lives up to her name. The whole interaction was a Merry experience. We felt very comfortable through the whole process from beginning to end. As a first time homebuyer she guided us through the steps especially when there were instances when we felt lost in the process. She made us literally feel we were part of this family. Even including our dog Richie. I can’t see how we could’ve gone any other way with anyone else. She was perfect!!!

- Jason P.
Read More
Would Recommend
10/02/2020
- Kenton B.
Would Recommend
10/02/2020
Overall Review:

Merry kept us informed all along the way and was so helpful. She was available for all of our questions at just about any time. Including evenings and weekends. She made sure the process was quick and smooth and she took care of some fees for us (thank you so much!!)

- Joseph C.
Read More
Would Recommend
10/02/2020
Overall Review:

She is very nice and personable. She is understanding and patient. My wife and I had a great experience. Things went by smoothly and in a timely manner.

- Jose M.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was on top of everything and let us know immediately when something needed out attention.

- Jamey S.
Would Recommend
10/02/2020
Overall Review:

Merry made this whole process easy. Thank you.

- Jonathon D.
Would Recommend
10/02/2020
Overall Review:

Merry Christini was incredible. Her passion for doing the right thing for me was outstanding. She put me first and made sure that I was taken care of. Her genuine love for her job as a loan specialist was amazing. Someone you could trust from the very beginning. Thank you Merry. My buying experience was top notch.

- Ricky P.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was the best!!! Very professional and courteous.

- Daniel F.
Would Recommend
10/02/2020
Overall Review:

She was very responsive to any questions I had throughout the entire process. She definitely made it easy for me.

- Jonathan D.
Would Recommend
10/02/2020
Overall Review:

Merri has been very helpful throughout this process. And even now that the process is done she continues to be available and helpful.

- Joseph C.
Read More
Would Recommend
10/02/2020
Overall Review:

Professional and very cordial on all dealings. Responded to inquiries in a timely manner. Very personable.

- Richard B.
Would Recommend
10/02/2020
Overall Review:

She was professional yet friendly and knowledgable. I felt like she was part of my family, willing to take care of all of my needs.

- Ricky P.
Read More
Would Recommend
10/02/2020
Overall Review:

She did an outstanding job!

- Josue P.
Would Recommend
10/02/2020
Overall Review:

Merry did an exceptional job in helping us getting our dream house. She made our first home buying experience stress free and smooth as possible because of her knowledge, promptness and respect. Merry is not just a loan specialist but she made us feel that we are part of a family. She cares about her clients and very passionate with her work. We are very proud to recommend Merry to anyone looking to buy a home. She is not just a loan specialist but out guardian angel.

- Peter B.
Read More
Would Recommend
10/02/2020
Overall Review:

Merry was exceptional. She guided me through every step of the way and made sure I understood the process, this being my first time buying a home. Merry is professional and very attentive. Going above and beyond of what is expected of her. Being active duty military, most of the time I wasn’t home. Merry made sure we worked around my schedule of not being present, to meet every timeline. This is why I will recommend her to my friends and family. Overall Merry made buying a home easier than I expected.

- Nicolas A.
Read More