HOME LOANS - COMMERCIAL LENDING

We're Building Something Amazing!

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Welcome to MerrilyBrown.com, where we believe in the power of relationships to transform the Texas real estate experience. With deep roots in San Antonio spanning over 40 years, Merrily's cultivated not just a business, but a family of clients, partners, and friends.

Whether you’re a homeowner looking for guidance, a buyer searching for your perfect home, or a real estate professional seeking to grow your network, you’re not just another transaction – you’re a valued member of our community.

We are here to listen, understand, and work tirelessly to forge lasting connections that extend far beyond the closing table. Let’s build something meaningful together, one relationship at a time.

WHY USE A BROKER?

As an Independent mortgage broker, we not only meet your needs with technology and service, we also get loans closed faster!

1. More loan options and approval flexibility

2. Faster turn times than most big banks or retail lenders

3. Access to wholesale rates = lower monthly payments

4. Streamlined digital mortgage experience from start to close.Small Call to Action Headline

Advanced Mortgage Payoff Calculator

Advanced Mortgage Payoff Calculator

Calculate your monthly payments, see when your mortgage will be paid off, and explore how extra payments can save you money.

LOAN PRODUCTS

CONVENTIONAL, FHA, VA, & USDA

A seamless home loan process from pre-approval to welcome home celebration.

Teaming up with Merrily Brown, an independent mortgage broker, will help you meet your needs with technology and speed. With one credit review and a mortgage application, Merrily can shop multiple lenders to find the loan to fits your needs.

As an independent broker, Merrily has direct access to some of the most competitive wholesale rates in the country, potentially enabling you to get a bigger, more expensive home with a lower monthly payment.

Once the mortgage that meets your needs is chosen, Merrily utilizes her industry expertise to guide you through the process. With safe and secure technology, Merrily offers digital mortgage tools that empower you to securely communicate and submit documents from anywhere.

DSCR - Debt Service Coverage Ratio

DSCR Loans: Let the Property Qualify, Not Just You


A DSCR (Debt Service Coverage Ratio) loan is designed specifically for real estate investors. Instead of focusing on your personal income, this loan type looks at how much rental income the property generates compared to its monthly debt payments.

If the property brings in enough to cover the loan, you may qualify — even without traditional income documentation. It’s a powerful way for investors to

leverage income-producing properties

to grow their portfolio.

BRIDGE LOANS

Bridge Loans: Buy Before You Sell

A Bridge Loan helps you purchase your new home before your current one sells — giving you the flexibility to move forward without waiting.


When the loan term ends, you’ve got options:

Pay it off using the proceeds from your home sale or other funds,

OR

Refinance into a long-term mortgage (also called an Exit Loan), reducing the amount owed with the equity from your previous home.

Bridge loans are perfect for homeowners who need speed and flexibility in today’s competitive market.

Testimonials

What an amazing experience it has been to work with Merrily and her amazing crew... wow...
I needed to close on a house that I wanted to purchase in 2 weeks...
Once I got a hold of Merrily it was off to the races. I did what they asked of me and i asked question right back, their deliverance and prompt way of handling business is... quite a dream! The whole process from start to finish and all the things in between they were very knowledgeable and kind and patient and guess what...
I closed in 2 weeks for the loan!
Thank you Merrily, Susa,. Eric! Wow...

Jamie Dean

Merrily did an excellent job helping my wife and I figure out the path forward on the purchase of our second home. She was patient with us, knowledgeable, and walked us through each step and each loan option. Amiable, professional, highly competent, and always reachable, you'll be hard-pressed to find a better mortgage loan officer than Merrily Brown!

Joe & Chasity Gordon

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Dear Merrily,

Thank you for all the work you have done for Angeles and I. You are truly amazing and we cannot be more happy and grateful to you and your team. We appreciate the later afternoon calls, the billion emails, and texts that you and your team answered throughout this process. We will keep in touch. Muchas gracias! We hope many blessings go your way!

Victor Martin

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FAQS

Why shouldn’t I just go with a big bank or online lender I see advertised everywhere?

Big-box lenders often offer a “one-size-fits-all” experience and you may feel like just a number. As a local Texas mortgage broker, I shop multiple lenders to find the best fit for you, not just a single offering. I also guide you personally through every step and don’t disappear after the pre-approval letter. Think of me as your mortgage matchmaker, cheerleader, and problem-solver—all rolled into one.

I want to buy a house, but I’m also trying to pay off debt. Should I wait?

Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.

“My cousin just got a lower rate than what I was quoted. Am I getting ripped off?”

Not at all—and I’m glad you asked! Mortgage rates can feel like a mystery, but they’re actually based on dozens of factors: your credit score, loan amount, property type, down payment, and even the day you lock. Your cousin’s situation might look similar on paper, but behind the scenes? Totally different story.

As your broker, I shop multiple lenders, not just one, to find the best pricing for your exact scenario. And I’ll break it all down for you so there’s no confusion—just clarity and confidence. We’re not here to play rate roulette. We’re here to win smart.

Can you match or beat the quote I got online?

Bring it on. I don’t mind being compared—but here’s what you need to know: online quotes are often just marketing bait. They assume perfect credit, zero hiccups, and a unicorn loan profile. Once you apply, poof! The rate changes. The fees show up. The service disappears.

With me, you’re not a lead in a spreadsheet—you’re a real person with a real goal. I’ll give you the full picture upfront, with options tailored to you. No bait-and-switch. Just straight talk, smart strategy, and a process you won’t dread. Let’s do it better, together.

What if I’m self-employed or own multiple businesses—can I still get a mortgage?

Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.

OUR TEAM

MERRILY BROWN

BRANCH MANAGER
BROKER OWNER

JILL TORRES

BRANCH PRODUCTION MANAGER

CHRISTY ENGEL

PRE-APPROVAL SPECIALIST

SUSAN RANDALL

PRE-APPROVAL SPECIALIST

ERIC DENNIN

BRANCH PROCESSOR
MAKO MORTGAGE PROCESSING

ANNA CORNHOFF

BRANCH PROCESSOR

PATHWAY PROCESSING

LUPITA SERRANO

BILINGUAL SPECIALIST

COMING SOON

COMING SOON

LET'S CONNECT