Testimonials
Joey Gonzaga and his team made this confusing process of refinancing so pleasant. I was a nervous wreck through the process but with his guidance and calm nature, he walked my husband and I with no problem! Joey is extremely professional and has so much knowledge in what he does. I'm happily referring people to his company. Thank you
Marcella L.
“I have worked with Joey before and he is very knowledgeable and a patient person to deal with. I will recommend him to friends and family.”
Bob H.
“Joey is an honest person who is very professional and well organized in providing information and recommendation.”
Lisa T.
“Merit Capital Mortgage team is the best of the best!! True professionals.”
Anonymous
“I love working with Merit and Joey. He is truly amazing and gets loans funded. I have never heard a bad word about him and his team from my clients. Joey is THE Lender of choice.”
Michael R.
“I had a very nice experience dealing with Merit Capital Mortgage. Our new loan went through very smoothly.”
Bill W.
“I was looking to refinance my existing home. Thank You Merit for offering me a chance to refinance my loan with a low rate.”
John.
For someone with a really busy life, it's hard to sort through the details and track everything from start to finish. Merit Capital Mortgage is extremely helpful in walking me through the process. Regardless of how many times I called, he was always willing to take the time to explain everything (sometimes over and over), until I was comfortable. This is my third time using Merit and had a great experience each time. Thanks for all the help!
Justin A.
“Merit is extremely professional … Determined to achieve the right product at the right price for all my clients … I’ve been in the real estate business for more than 29 years and Joey is the best … “
Myrna
“Very helpful throughout the process and worked hard to finish everything on time when we had an unexpected issue late in the process. Would definitely recommend.”
Anonymous
“They were phenomenal! Merit was timely, professional and fun to work with.”
Rick B.
“My dad is buying a home and needed mortgage help. Joey helped me with both my first time home buying and refinance. I got all the paperwork needed for my dad. My dad is now working with Merit. They are excellent, always takes time to answers all his questions.”
Fred S.
“The whole process was painless and very efficient. I love that they were able to anticipate all potential roadblocks. That saved so much time! It was a true pleasure working with Joey. I would do it again in a heartbeat.”
Marissa B.
“Merit Capital Mortgage helped our dream become a reality. It was a smooth process and didn’t expect such a one on one personal attention of help. We had same day responses and actually within the same hour of us asking for information. It was a pleasant experience especially being first time buyers and my husband and are already recommending Merit to a few of our Family and Friends who are currently looking to buy.”
Bob B.
Had a great experience with Joey and his team. When I was in my offer process, pre-approval was done with lightning speed. The actual loan process was walked through with me with attentive details and care. Of the times when I asked them a question, they were able to get back to me within 12-24 hours in a timely manner, even by cell phone most of the time. (I actually couldn't even answer their phone calls since I was so busy, but they would always follow up with an email or a text, too.) Very glad that I went with Merit for my mortgage needs.
Curt W.
“Joey was very helpful in every way through the home buying process. He was readily available to answer any questions and gave us the best advice imaginable. Very professional, helpful, and prepared us for everything. I highly recommend first time home buyers, or anyone purchasing a home, to seek the assistance of Joey Gonzaga at Merit Capital Mortgage!! “
Liz
“Very professional and trustworthy! He was available day and night to answer ANY questions I had. Merit and the team are the t one and only that we will be recommending to anybody in the market! Thank you Joey and your team for helping us! “
Heather T.
“Joey made me feel like he cared about me and my future from the get go. He looked at what programs were available compared to my personal situation and helped me make the best choice from there. He is approachable and very responsive.”
Nyla D.
“The mortgage process was quick and easy, with no last-minute glitches at closing. Joey Gonzaga managed the mortgage with professionalism and communicated well about the process and what could expect at each step. “
Ernie S.
“Have dealt with mortgages before and know the hassle it can be. Working with Merit was a breath of fresh air. Fast and efficient. Made the whole process easy.”
Anonymous
“I’ve dealt with Merit when buying my house and refinancing; both were very easy and pleasant encounters. Give Joey a call, great guy with a great company!”
Anonymous
The service I received from Merit Capital Mortgage far exceeded my expectations. The loan officer that I worked with is truly next to none. This is the first time I bought the house on my own and was not so sure how to go about it. Walked through every step with me and guided me through the whole process. Joey was very detail oriented, anticipated any possible issue might come up. He was very responsive and answered every question I had. I have very good experience with this company and I highly recommend this mortgage company to anyone who may need mortgage for their new home! Joey, thank you for your service!
Krista B.
“We had a great experience with Merit Capital Mortgage. Very communicative, responsive, timely and thorough and the process was as smooth as it could be, and went exactly as expected with no surprises. Highly recommended! “
Jenn B.
“I am a Realtor and I send all my clients to Merit Capital Mortgage for their home loans. My clients said there is a lot of paperwork required in getting a loan in today’s market, but Merit made the process a little smoother. So, when it came to me getting a loan for my new home, I went to Merit and found the process very simple and smooth. Great people to work with.”
Ed L.
“Merit Capital Mortgage and Joey Gonzaga made the home buying process easier than we could’ve ever imagined. As a first-time homebuyer, Joey was very thorough in explaining every step of the process. After we were preapproved – we had confidence in knowing that MCM would be able to provide us the lending we needed to purchase our dream home.”
Michelle H.