From beginning to end, a stress free experience. Kevin helped us get into our first home several years ago, and has now helped us buy the home of our dreams. His professionalism and knowledge of the industry makes him our first choice for Real Estate assistance. Now the fun begins. We recommend you work with a military preferred realtor to pick out the best home for you.
Your lender will work to ensure all documents and processes are followed and give you final loan approval. Once the price has been agreed upon it's time for a home and termite inspection along with an appraisal. Your realtor will help you determine the price you want to offer and will help you submit it.
Your lender will work to ensure all documents and processes are followed and give you final loan approval. Once the price has been agreed upon it's time for a home and termite inspection along with an appraisal. Your realtor will help you determine the price you want to offer and will help you submit it.
Services
Our team at Military Home Spot Lending is in your corner and we want to support you every step of the way on your home buyer journey. Buying a house is a big life step. That's why we're dedicated to helping families through the process so they can focus on turning their new house into a home. At Military Home Spot Lending we are veterans too.
If you are looking to start your home buying journey, have questions about loan options or need help with your account, our team of experts are here to support you. Kevin currently serves as a Branch Manager for Military Home Spot Lending. Originally from St. Louis, he has lived in Southern California since 2012.
Enter the monthly debts that would be included on your credit report. Things like car payments, credit card minimums, or student loans. You can, but you do not need to include your current housing expense or other ancillary monthly costs like internet, utilities, or insurance. Monthly debts exceed Debt to Income Ratio.
Buying a home is one of the biggest purchases you'll ever make. We think it's important for you to feel confident in your home buying journey and have created tools to help you along the way. VA Loans can seem overwhelming. That's why our team of experts created a free online VA Home Loan Seminar to help.
The VA Home Loan offers incredible benefits available exclusively to military families and veterans. These loans allow you many unique advantages not offered to other home buyers when purchasing your dream home. VA Home Loans have no down payment or PMI (private mortgage insurance) and are generally offered with lower interest rates.
Reviews (10)
Frankie Torres
Apr 04, 2021
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My wife and I met Caleb at a Veterans seminar when we EAS'd ~5 years ago or so. I called him back in January of this year to help my wife and I with a purchase loan, and I genuinely mean it when I say that it was a pleasure working with him. He answered all of my questions and reassured us throughout the process that everything was going to be alright. 5 star customer service and always went the extra mile for us. Thank you for all of the hard work you and your team put in. Now my wife and I have peace of mind and are loving our first home together!! Thanks again Caleb, you guys crushed it=)
Kodi Moneymaker
Feb 17, 2021
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My husband and I just closed on our first ever home and it was because Military Homespot (specifically Caleb) helped us the entire time.
We were nervous about our finances and credit but Caleb treated us with so much kindness and respect. He walked us through everything! Gage was also super awesome and supportive. Everyone we communicated with responded promptly, respectfully and listened/answered my billions of phone calls and emails. I will 100% use them in the future if we need to do anything regarding our home.
We were nervous about our finances and credit but Caleb treated us with so much kindness and respect. He walked us through everything! Gage was also super awesome and supportive. Everyone we communicated with responded promptly, respectfully and listened/answered my billions of phone calls and emails. I will 100% use them in the future if we need to do anything regarding our home.
Harvey Harcum Sr
Jan 20, 2021
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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
Tania Jimenez
Jan 14, 2021
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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.
Pam Morring
Jan 12, 2021
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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
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
Marie A.
Nov 10, 2020
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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 🐕
Jon Couch
Oct 13, 2020
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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.
Nicolas Albarracin
Aug 25, 2020
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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
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
Zawadi Wanjala
Aug 06, 2020
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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.
Suzi Beirle
Jun 13, 2020
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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.
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.
