Merry Cristiani

Loan Officer

NMLS# 1717999
REVIEWS
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ABOUT Merry Cristiani

Merry is an experienced & dedicated loan officer who is committed to providing her clients top notch customer service. With a background in finance and non-profit work, Merry is uniquely positioned to help each of her clients reach their home loan goals. Always going the extra mile, Merry 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.

WHAT her CLIENTS SAY

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Refinance

Navy

By Meghan S. October 6, 2021

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. 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.

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By George N. September 3, 2021

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! 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!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Navy

By Liliana W. August 31, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Air Force

By Jan V. August 25, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Army

By Joel Y. August 6, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Marine Corps

By David C. July 27, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Air Force

By Peter B. July 15, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Marine Corps

By Michael S. July 1, 2021

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!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Marine Corps

By Felipe G. June 8, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Navy

By Brandon J. June 1, 2021

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!! 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!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Army

By Richard B. May 18, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Army

By Shaina P. May 18, 2021

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. As I stated before... Merri was amazing!

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Steve D. April 1, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Glenna G. March 5, 2021

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!!!! Outstanding !!!!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Navy

By Zawadi W. January 7, 2021

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.

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Emily B. February 14, 2021

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. 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!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Air Force

By Suzi Beirle November 20, 2020

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.

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Navy

By David Green January 23, 2021

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

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Marine Corps

By Bryan Thompson

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Dallas B.

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!!

Loan Officer: Merry Cristiani
NMLS#1717999

Conventional

Refinance

By Maya Garrett

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.

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Tania Jimenez

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.

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Army

By Sandra Barrer

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.

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Navy

By Cervin Talavera

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!!!

Loan Officer: Merry Cristiani
NMLS#1717999

Conventional

Refinance

By James Garrett

Merry was great to work with!!!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Marine Corps

By Pam Morring

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!

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Army

By Harvey HARCUM SR

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

Loan Officer: Merry Cristiani
NMLS#1717999

Purchase

Air Force

By Jesse Mcintyre

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 !!

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Army

By Marie A

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

Loan Officer: Merry Cristiani
NMLS#1717999

Refinance

Navy

By Nicolas Albarracin

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Dedra Woodard

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Jon Couch

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Joseph C.

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!!)

Loan Officer: Merry Cristiani
NMLS#1717999

By Jamey S.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Ricky P.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Jonathan D.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Richard B.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Josue P.

She did an outstanding job!

Loan Officer: Merry Cristiani
NMLS#1717999

By Nicolas A.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Elsis M.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Rosemarie A.

Loan Officer: Merry Cristiani
NMLS#1717999

By Kingsform O.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Heather B.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By felipe godinez

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!

Loan Officer: Merry Cristiani
NMLS#1717999

By Sarah Woods

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!!

Loan Officer: Merry Cristiani
NMLS#1717999

By jasmine carreno

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Daisy Albavera-Uribe

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Joshua H.

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!

Loan Officer: Merry Cristiani
NMLS#1717999

By Bryan T.

Loan Officer: Merry Cristiani
NMLS#1717999

By Mary Evangeline H.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Liliana W.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Clyde B.

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)!!!!!!!!!!!!!

Loan Officer: Merry Cristiani
NMLS#1717999

By Meghan S

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Brandon J.

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!

Loan Officer: Merry Cristiani
NMLS#1717999

By Kenton B.

Loan Officer: Merry Cristiani
NMLS#1717999

By Jose M.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Jonathon D.

Merry made this whole process easy. Thank you.

Loan Officer: Merry Cristiani
NMLS#1717999

By Daniel F.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Joseph C.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Ricky P.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Peter B.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By David G.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Mary E.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Thomas M.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By George R.

We love her, she’s family to us.

Loan Officer: Merry Cristiani
NMLS#1717999

By Clyde B.

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.

Loan Officer: Merry Cristiani
NMLS#1717999

By Brandon J.

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!

Loan Officer: Merry Cristiani
NMLS#1717999

By Jose M.

Loan Officer: Merry Cristiani
NMLS#1717999

By Kenton B.

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

Loan Officer: Merry Cristiani
NMLS#1717999

By Jason P.

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!!!

Loan Officer: Merry Cristiani
NMLS#1717999