What you can count on

The things that actually protect your deal:

• On-time closings. I treat your closing date as a commitment, and if anything ever threatens it, you hear about it from me early — not the day before.
• Pre-approvals that hold up. A real pre-approval, with credit and income reviewed against an actual scenario — so your accepted offer doesn’t unravel in underwriting.
• Updates you don’t have to chase. You and your buyer get status before you have to ask for it.
• Reachable when offers get written. Nights and weekends included, with fast pre-approval turnaround so you can write while the house is still on the table.

What I won’t do

Just as important — the things that quietly cost you deals and clients:

• Bait-and-switch your buyer. The rate I quote is the rate I can deliver. No teaser to win the deal and a worse number at the table.
• Surprise you. If something in the file shifts, you know early, while there’s still time to handle it.
• Poach your client. Your relationship is yours. I’m the lender, not a competitor angling for the next listing.
• Push a bad loan to force a close. If the loan is wrong for your buyer, I’ll tell them — which protects your relationship with them too.

The files I actually close

A lot of my business is the buyers other lenders fumble. As a wholesale broker I shop many lenders, so when one says no, I have somewhere else to take it:

• Self-employed and 1099 buyers — where the income is real but the tax returns make a retail lender flinch.
• H1B and visa-holder buyers — a genuine specialty, and a big part of my market.
• Variable pay — bonus, commission, and RSU income that has to be documented right to count.
• Jumbo and tougher-credit files that need a lender who will actually work them.

If you’ve got a buyer someone else turned away, send them to me before you write the deal off.

Why wholesale helps you sell

Wholesale pricing is usually sharper than a big bank’s retail rate. A lower payment means your buyer qualifies for a little more house, or the same house with more breathing room — which makes your offer more competitive and your buyer more comfortable saying yes. Better pricing isn’t just a lender’s bragging point; it’s a tool that helps you close.

What I need from you

Give me these, and I’ll handle the rest:

• A real pre-approval conversation with your buyer early — before they fall for a house.
• The accepted contract and any key dates as soon as you have them.
• A heads-up on anything unusual about the buyer or the property.

That’s it. From there I keep you and your client in the loop the whole way.

The referral you’d make for your own family

Every agent has a lender they’re pointed toward — the in-house option, the one the brokerage prefers, the relationship that’s already set up. I’m not naive about that, and I’m not here to talk you out of how you run your business. But there’s a second list every good agent keeps in their head: who they’d actually send their own sister, their parents, or their closest friend to when it’s real money and a house that matters. I’d like to be on that list.

I don’t have an arrangement steering business my way. Agents send me the people they care about because the work holds up, every time — and that’s the only referral I’m really after: the one you make when it’s personal.

I’m Matt Mergo, an independent wholesale mortgage broker — around 130 closings a year, licensed in Florida, Pennsylvania, and Texas, NMLS #563819. Almost all of my business comes from referrals and repeat clients, which is the only review that counts in this work.