Image of Merry Cristiani
4.98
out of 81 reviews

Merry Cristiani

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
08/05/2022

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

- Ray M.
Purchase
Marine Corps
Would Recommend
04/01/2022

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.
Purchase
Army
Would Recommend
03/28/2022

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.
Purchase
Army
Would Recommend
02/17/2022

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

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 .

- Moises C.
Purchase
Army
Would Recommend
02/01/2022

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

- Felizardo G.
Purchase
Air Force
Would Recommend
12/16/2021

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!

- Chapelle J.
Purchase
Navy
Would Recommend
12/13/2021

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

- Michael B.
Purchase
Navy
Would Recommend
12/07/2021

- Fernando M.
Purchase
Navy
Would Recommend
10/25/2021

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

- Honorio L.
Purchase
Army
Would Recommend
10/17/2021

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.
Navy
Would Recommend
10/05/2021

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.

- Meghan S.
Purchase
Navy
Would Recommend
09/02/2021

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!

- George N.
Navy
Would Recommend
08/30/2021

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.

- Liliana W.
Purchase
Air Force
Would Recommend
08/24/2021

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

- Jan V.
Army
Would Recommend
08/05/2021

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

- Joel Y.
Purchase
Marine Corps
Would Recommend
07/26/2021

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.

- David C.
Purchase
Air Force
Would Recommend
07/14/2021

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

- Peter B.
Marine Corps
Would Recommend
06/30/2021

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!

- Michael S.
Marine Corps
Would Recommend
06/07/2021

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

- Felipe G.
Navy
Would Recommend
05/31/2021

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!!

- Brandon J.
Purchase
Army
Would Recommend
05/17/2021

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.

- Shaina P.
Army
Would Recommend
05/17/2021

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

- Richard B.
Purchase
Navy
Would Recommend
03/31/2021

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

- Steve D.
Navy
Would Recommend
03/04/2021

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.

- Zawadi W.
Purchase
Navy
Would Recommend
03/04/2021

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!!!!

- Glenna G.
Purchase
Navy
Would Recommend
02/14/2021

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.

- Emily B.
Air Force

02/04/2021

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
Navy
Would Recommend
01/22/2021

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

- David Green
Marine Corps
Would Recommend
01/14/2021

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.

- Bryan Thompson
Purchase
Navy
Would Recommend
12/16/2020

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.
Purchase
Navy
Would Recommend
11/14/2020

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
Would Recommend
11/14/2020

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
Would Recommend
11/14/2020

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
Would Recommend
11/14/2020

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
Navy
Would Recommend
11/14/2020

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
Army
Would Recommend
11/14/2020

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
Purchase
Air Force
Would Recommend
11/14/2020

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
Purchase
Army
Would Recommend
11/14/2020

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
Marine Corps
Would Recommend
11/14/2020

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
Would Recommend
11/14/2020

Merry was great to work with!!!

- James Garrett
Purchase
Navy
Would Recommend
11/14/2020

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
Purchase
Army
Would Recommend
11/14/2020

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
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

- Bryan T.
Would Recommend
10/02/2020

We love her, she’s family to us.

- George R.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.

10/02/2020

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
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.

10/02/2020

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
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

- Jose M.

10/02/2020

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
Would Recommend
10/02/2020

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
Would Recommend
10/02/2020

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

- Kenton B.

10/02/2020

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

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

- Kenton B.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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

- Jamey S.
Would Recommend
10/02/2020

Merry made this whole process easy. Thank you.

- Jonathon D.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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

- Daniel F.
Would Recommend
10/02/2020

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

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.
Would Recommend
10/02/2020

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

- Richard B.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

She did an outstanding job!

- Josue P.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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.
Would Recommend
10/02/2020

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

- Elsis M.
Would Recommend
10/02/2020

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

- Mary E.
Would Recommend
10/02/2020

- Rosemarie A.