11809 Beverly Boulevard
Whittier, California 90601
 Phone (626) 580-8673
Click Here to Arrange for a
Loan Application
 

 
• Refinance Specialist for Los Angeles and Beyond •
• Home Loan Modification FHA - Second Mortgage,
30-year Fixed, Jumbo Loans •

Serving the San Gabriel Valley, San Fernando Valley, West LA, East LA, Westside, Hollywood, Santa Clarita Valley, South Bay,
Antelope Valley, Long Beach
 

Neil Mercado is a full-service mortgage broker who specializes in refinance, FHA, 30-year fixed loans, jumbo home loans and home purchases throughout Southern California, as well as in working with homeowners looking to get out of their option ARMs.  Neil brings over a decade of experience in aiding clients in buying a home or refinancing a current loan, getting a competitive interest rate as they are the lowest they've been in over 30 years.  He has a great client retention ratio which could be directly attributed to his service, low fees and ability to find best loan for his clients.

With Platinum Financial, Neil services clients in areas such as the San Gabriel Valley, the San Fernando Valley, West LA, East LA, the Westside, the Hollywood area, Santa Clarita Valley, the South Bay, the Antelope Valley and the Long Beach area. 


Neil Mercado

Neil and his well qualified team will help evaluate your situation and goals, walk you through the process and help determine what product is in your best interest.  They evaluate your fico credit score, assets, income and debt, amongst other items to help find the program that makes most sense. The application process is secure and fast.

Some common reasons people have refinanced have been for debt consolidation, home improvements and home renovations, to convert their variable to a fixed rate, to tap into their equity, to invest and increase their net worth, to help their children with college tuition or to cash out and make a large purchase.

Currently, the maximum amount for an FHA loan is $729,750.  This can be very beneficial for borrowers who may have challenges qualifying otherwise.  There is also an $8,000 tax credit that President Barack Obama introduced this year and it will apply to homes purchased by first-time home buyers before the end of December 2009.

Neil is also well versed in loans over $1 million, portfolio lenders, jumbo loans, conventional loans, FHA and VA conversion refinances, conforming loans, HELOCs, and in helping homeowners looking to get out of their option ARMs.  Neil can help those looking for low fee loans too.

As a loan officer specializing in both conforming and non-conforming residential loans for borrowers with all types of credit histories, Neil has helped borrowers from all over California. Located in Los Angeles, Neil and Platinum Financial have serviced clients in cities like Covina, Arcadia, Glendora, El Monte, Whittier, Temple City, La Puente, Baldwin Park, Monrovia, Pasadena, San Dimas, La Verne, West Covina, Diamond Bar, Glendale, La Canada-Flintridge, Long Beach, Cypress, Torrance, Los Angeles, Montebello, Cerritos, Encino, Woodland Hills, South El Monte, Lakewood, Culver City, Santa Monica, Beverly Hills, West L.A.., Porter Ranch, Granada Hills, Northridge, Calabasas, Hacienda Heights, Seal Beach, Alhambra, Monterey Park, San Gabriel, Burbank, Santa Clarita, Chatsworth and Walnut.  He also works with homes in the beach cities such as Manhattan Beach, Redondo Beach, Malibu, Venice Beach and Hermosa Beach.

Look no further, Neil Mercado will be your loan advisor for life.

California Department of Real Estate Lic. #01308664