I’m Sheila Ann Merrill,
The Lending Lady—your trusted partner for smooth, stress-free home financing. Whether it’s your first home or your forever home, I’m here to guide you every step of the way.
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FAQs
What’s the first step to getting a home loan?
The first step is getting pre-approved, which gives you a clear idea of your budget and shows sellers you’re serious. It’s a quick process where we review your income, credit, and goals. From there, we can confidently shop for homes within your range.
Do I need perfect credit to qualify?
Absolutely not! There are many loan programs designed for buyers with less-than-perfect credit. I’ll help you explore your options and find the best fit based on your current financial situation.
How much do I need for a down payment?
You don’t always need 20%—that’s a common myth. Depending on the loan type, you could put down as little as 3%, or even 0% if you qualify for VA or USDA loans. We’ll go over all the options so you can choose what works best for your budget.
How long does the loan process take?
Most home loans close in about 3 to 4 weeks, but timing can vary a little. I keep everything organized and transparent so you always know what’s next. My goal is to make the process smooth and stress-free from start to finish.
Check out this month’s market update
Think mortgage rates are confusing?
You’re not alone—this month’s newsletter breaks it all down with smart tips, real talk, and exactly what you need to know before you buy.
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Buying your first home? These 5 mortgage tips could save you stress—and money.
Get in touch
If you have any questions or inquiries, please don’t hesitate to contact me.
I’ll get back to you asap.
Sheila.Merrill@NeoHomeLoans.com