Jorge Merlos

05/18/2026

VA loans offer incredible benefits: 100% financing, lowest rates, and high debt-to-income ratios (up to 66% or 59% with manual underwrite). Plus, no mortgage insurance! Crucially, VA financing requires a cleared termite report, protecting both buyer and seller.

05/14/2026

05/11/2026

5.0 star review received on Experience.com for Jorge Merlos by Miranda R - We had a great experience working with Jorge throughout the home buying process. He was consistently professional, responsive, and patient in answering all of our questions. He made what can be a stressful process feel smooth and manageable by keeping us informed every step of the way! We would highly recommend him to anyone looking for a knowledgeable and reliable loan officer.

Click to see all 554 reviews of Jorge Merlos, Loan Officer | NMLS # 290938

05/06/2026

VA Loan: Don't Buy Without It! Veteran Home Buying Explained

Did you know you can use your VA loan more than once? Don't let veterans miss out on this powerful tool for homeownership. Plus, discover property tax exemptions for disabled veterans that can save thousands. It's the best loan product available – make sure they use it!

05/02/2026

While affordability often focuses on monthly payments, consider the strategic advantage of down payments.

For buyers with strong credit and available cash, putting 15% down instead of 20% on a $600,000 home frees up $30,000. This difference could be crucial for immediate renovations like a kitchen or bathroom.

The impact on the monthly payment might be surprisingly small—around $300-$350. For qualified borrowers, the extra cost of Private Mortgage Insurance (PMI) at 85% LTV could be minimal and temporary, often removed within 5 years.

05/02/2026

We don't just talk real estate; we collaborate with CPAs, attorneys, and financial advisors daily. Understanding wealth accumulation, distribution, and generational transfer makes us the go-to experts. We're all resources for each other.

02/07/2026

Today the West End Real Estate Professionals hosted a powerful training with Leanne Walker from CalHFA, who flew in from Sacramento to break down the 2026 California Dream For All Down Payment Assistance Program.

This video captures Leanne explaining directly how the program works, including:

✔ Assistance up to 20% of the purchase price OR $150,000 – whichever is LESS
✔ How funds can be used for down payment and up to 5% toward closing costs
✔ The truth that this is a loan – NOT a grant
✔ Repayment terms when selling, refinancing, or after 30 years
✔ The one refinance exception allowed under the program

As a CalHFA Preferred Lender for 2026, my team and I stay deeply involved with these programs so we can guide buyers and agents with accurate, up-to-date information.

If you want to work with a lender who truly understands how to structure and qualify Dream For All loans, we’re here to help.

📲 Message me “DREAM” to get started

01/29/2026

👉 Friday Morning 9am - 10am: Realtors learn about the new master planned community in Hesperia with homes starting at $400K! Know your options for your buyers.🏡💯 West End Real Estate Professionals WEREP.org

01/28/2026

Silverwood in Hesperia is a vibrant master-planned community built around nature, connection, and lifestyle. From a walkable village green and diverse home styles to 166 miles of trails — including the Pacific Crest Trail — this community brings the California dream to life.

With close access to Silverwood Lake, Ontario, San Bernardino, and Los Angeles, it’s the perfect balance of outdoor living and city convenience.

This Friday, January 30th, join us at West End Real Estate Professionals for a special breakfast meetup featuring the Silverwood Master Planned Community.

🏡 15,000 new homes coming to Hesperia
💲 Homes starting in the low $400s

📍 11200 Baseline Rd, Rancho Cucamonga
⏰ 8:45–10:00 AM | 🎟 $10 entry

Education • Community • Connection

👉 More info: WEREP.org