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Geofrey Merino, (NMLS ID 317287)

Geofrey Merino

Sr Loan Advisor

NMLS ID: 317287

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

5286 S. Commerce Drive, Suite A-126

Salt Lake City, UT 84107

About Geofrey Merino

Based out of Salt Lake City, Utah where home is, I have been assisting clients all across the country from NY to CA for the past 15 years. I have extensive experience dealing with first-time homebuyers, FHA, VA financing, USDA financing, and conventional financing. I believe that a mortgage is about building relationships and helping clients achieve their goal in owning a home. It's not just a transaction, it is about creating a business relationship and making sure the client is satisfied. Check out me out on Zillow I have a profile with clients reviews. Contact me for assistance on your next home loan whether it be a new build, refinancing or doing a renovation home loan.
 

I currently attend Northern Arizona University where I am actively pursuing a BA in Organizational Leadership. I have a wife and one child who keeps us with a busy schedule. I enjoy spending time with family, being outdoors camping, fishing, and enjoy vacationing in California where I am originally from.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Renovation Loans
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English
  • Spanish
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Geofrey Merino, (NMLS ID 317287)

Geofrey Merino

Sr Loan Advisor

NMLS ID: 317287

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

5286 S. Commerce Drive, Suite A-126

Salt Lake City, UT 84107

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Today's Rate

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Programs for qualified borrowers. All borrowers subject to credit approval, underwriting approval and lender terms and conditions. Programs subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 12/1/2020 10:16 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $955. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 12/1/2020 10:16 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,545. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  12/1/2020 10:16 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $${product.loanAmount} for the purchase of a single-family, primary residence with ${product.ltv}% loan-to-value (LTV) or % down payment, minimum borrower credit score of ${product.creditRating}, and estimated points of ${product.points}% of the loan amount and origination fee of ${product.closingCosts} plus ${product.fundingFee}% FHA funding fee with 360 payments in the amount of $${product.monthlyPayment}. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.