Serving Merced County and California’s Central Valley
Your path home in the Central Valley.
Approved to buy where you already belong.
From renting to owning in Merced County.
Local loan officers, real programs for real Valley buyers. FHA, VA, USDA, and first-time-buyer paths — explained in plain language and moved fast.
No cost, no obligation. Applying online takes about 15 minutes.
Why work with a lender who knows the Valley?
Because a call center can’t tell you which streets in Atwater fall inside USDA rural boundaries, or how appraisals actually run in Merced and Los Banos.
We work Merced, Los Banos, Atwater, Livingston, and Turlock every day. We know the CalHFA assistance programs Valley buyers actually use, and we answer the phone when your agent calls.
See the areas we serve →Our commitments
Three promises we put in writing.
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* The EMD Guarantee is a separate written agreement between Mitchell Miller and the buyer, subject to its own terms and exclusions, and is not a term of any loan. Not a commitment to lend.
Programs for the Valley.
All programs →Your team
A person, not a portal.
Every file gets a licensed local loan officer who answers directly — by phone or text, in English or Spanish.
Meet the whole team →
What Valley buyers say.
All reviews →“{{r.quote}}”
Reviews shown are placeholders. Only real, verifiable Google and Zillow reviews ship at launch.
Ready to see what you qualify for?
Fifteen minutes online, or a free call with a local loan officer. Either way, you leave knowing your real options.