Loan Officer 18 yrs experience 😎People before profit, reputation before revenue🤝 Production Partner at The Mike Berrios Team
Joined April 2015
- Tweets 3,215
- Following 120
- Followers 82
- Likes 229
321 Photos and videos
May 23
Accepting defeat wasn't weakness; it was the first step to becoming a better son, partner, and brother. #southpawbill #southpawboys #AddictionRecovery #SobrietyJourney
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May 18
VA loans offer 100% financing, lowest rates, and high DTI allowances (even 59% with manual underwrite). Plus, exempt veterans avoid taxes on qualifying, significantly boosting DTI. #jorgemerlos #VAFinancing #HomeLoans #RealEstateTips #VeteranBenefits #Mortgage
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May 16
Round two is here. No matter what life throws, the talent within ensures a fight forward. It's not a choice; it's automatic. Keep going. #southpawbill #southpawboys #Resilience #Perseverance #Motivation #InnerStrength #KeepGoing
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May 16
Losing everything—money, love, identity—can feel like hitting rock bottom. But this crucible moment is precisely what crafts a man. #southpawbill #southpawboys #resilience #grit #masculinity
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May 11
5.0 star review received on Experience.com for Jorge Merlos by Miranda R - We had a great experience working with Jorge throughout the home buying process. He was consistently ...
experience.com/reviews/jorge…
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May 11
5.0 star review received on Experience.com for Jorge Merlos by Miranda R - We had a great experience working with Jorge throughout the home buying process. He was consistently ...
experience.com/reviews/jorge…
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May 6
Veterans: Don't miss out on the VA loan! It's the best product on the market and can be used more than once. Also, be aware of property tax exemptions for disabled veterans. #jorgemerlos #VALoan #VeteranBenefits #RealEstateTips #Military
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May 5
Gaming saved my life, teaching economics, teamwork, and global connection for 20 years. It also led to diabetes from a sedentary lifestyle and poor diet. A complex balance. #GamingLife #DigitalWellness #southpawbill #podcast #wow
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May 4
Boost your credit scores to 700 ! Achieving this unlocks better loan terms, like a 50% debt ratio with CalHFA, saving you hundreds monthly on mortgage insurance. Don't let low scores cost you. #CreditScore #HomeBuying #FinancialTips #MortgageHelp #RealEstate
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May 2
Thinking affordability is just about the monthly payment? It's not. A smaller down payment (e.g., 15% instead of 20%) on a $600K home could save you $30K upfront #jorgemerlos #RealEstate #HomeBuying #MortgageTips
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May 2
Real estate isn't a solo act. Collaborating with CPAs, attorneys, and financial advisors makes you the go-to expert for wealth, distribution, and generational transfer. We're all resources for each other. #jorgemerlos #southpawboys #RealEstate #Finance #WealthManagement
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May 2
It's inspiring to see every house as a business and everyone working their absolute best to make a living. This trip made me realize I need to work harder and seize opportunities. #southpawbill #southpawboys #ElSalvador #Hustle #Grateful #Inspiration #Travel
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Apr 13
Stop looking for excuses and start finding your purpose. Don't let the world distract you. Time and change are inevitable, but you control how you manage them. What will you do with the time you have? #southpawbill #southpawboys #PurposeDriven #Motivation #TimeManagement
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Apr 9
Realized my poker playing was causing resentment in my son. That was the wake-up call I needed. Giving it up was the easiest decision, because family comes first. #southpawbill #southpawboys #FamilyFirst #PokerLife #AddictionRecovery #Priorities #Parenting
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Apr 8
Letting your emotions out as men isn't weakness; it's strength. Holding it all in is like holding a grenade. Be authentic, and if they don't vibe with you, that's okay—find those who do. #southpawbill #southpawboys #MensMentalHealth #Authenticity #EmotionalRelease #BeYourself
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Apr 8
Don't fear the emotional rollercoaster of life! Genuine happiness comes from learning from every obstacle and showing up with awareness. #southpawbill #southpawboys #LiveFully #EmotionalAwareness #PersonalGrowth #EmbraceLife #Resilience
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Apr 7
Raised by a strong single mom… now she is one. 💪
Full circle. Real strength. Advice that stuck? “Do you, girl.” ✨
What’s yours? #Motherhood #Resilience #Inspiration #PersonalGrowth #southpawbil
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Apr 7
They never thought owning a home was possible. From 18 to 70, it's never too late to improve your credit. #mbmcreditsolutions #jorgemerlos #CreditRepair #Homeownership #FinancialFreedom #CreditScore #SmartMoney
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Apr 7
It's amazing to see people connect with music across generations at events. One guy even got a USB to share '90s hard house with his son. Music truly brings everyone together to have fun and sing along! #southpawbill #southpawboys #90sMusic #HouseMusic #Nostalgia
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Apr 7
Biggest bet ever: $5,000! Nerves? Off the charts. Then, a natural 8 with two 9s! Opponent reveals two jacks – I won $10,000. After commission, I walked away with $9,500. That thrill lasted 2 minutes #southpawbill #southpawboys #Gambling #HighStakes #Blackjack #Luck #BigWin
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