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Proudly serving clients across NY, DE, FL, NJ, PA, SC
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass clear communication, quick respose time, professional approach and attitude. Always a joy to work with Matt. JamesSpencerport, NY Aug 14
clear communication, quick respose time, professional approach and attitude. Always a joy to work with Matt.
Rating: 4.5 out of 5.0 from Encompass Communication and ease of paperwork. JohnMedina, NY Aug 13
Communication and ease of paperwork.
Rating: 5.0 out of 5.0 from Encompass Great communication and customer service. TabithaSyracuse, NY Aug 12
Great communication and customer service.
Rating: 5.0 out of 5.0 from Encompass Constant communication made everything real smooth! Reggie A.Rochester, NY Aug 08
Constant communication made everything real smooth!
Rating: 4.8 out of 5.0 from Encompass good communication KennethSpencerport, NY Aug 07
good communication
Rating: 4.2 out of 5.0 from Encompass Service was timely and efficient. AnnHemlock, NY Jul 30
Service was timely and efficient.
Rating: 5.0 out of 5.0 from Encompass I had an excellent experience with AnnieMac Home Mortgage from start to finish. Matt was incredibly helpful throughout the entire process, always taking the time to answer my questions and making sure everything went as smoothly as possible. Buying a home can be stressful, but Matt and the entire AnnieMac team made it a great experience. Everyone w... NicholasWebster, NY Jul 27
I had an excellent experience with AnnieMac Home Mortgage from start to finish. Matt was incredibly helpful throughout the entire process, always taking the time to answer my questions and making sure everything went as smoothly as possible. Buying a home can be stressful, but Matt and the entire AnnieMac team made it a great experience. Everyone w...
Rating: 5.0 out of 5.0 from Encompass The whole package of teamwork Noreen AnnRochester, NY Jun 25
The whole package of teamwork
Rating: 5.0 out of 5.0 from Encompass I am a huge proponent of communication! Matt is always available!!! Marlene JAlbion, NY Jun 24
I am a huge proponent of communication! Matt is always available!!!
Rating: 5.0 out of 5.0 from Encompass Excellent communication ,superior knowledge and experience. Thomas HBluffton, SC Jun 23
Excellent communication ,superior knowledge and experience.
Rating: 5.0 out of 5.0 from Encompass You where very helpful and if we need clarification on something you would find out the answer for us. Gerald J.Rochester, NY Jun 22
You where very helpful and if we need clarification on something you would find out the answer for us.
Rating: 5.0 out of 5.0 from Encompass Everyone was easy to work with. Matt was easily accessible to answer any question I had and thorough in his explanation of the entire process. Closing was filled with ease because of the documents I had been sent to review as we worked through the mortgage process. Thank you for making this whole exp... JenniferAlbion, NY Jun 22
Everyone was easy to work with. Matt was easily accessible to answer any question I had and thorough in his explanation of the entire process. Closing was filled with ease because of the documents I had been sent to review as we worked through the mortgage process. Thank you for making this whole exp...
Rating: 4.5 out of 5.0 from Encompass Too many emails and all the questions about finances became a bit to much. Elizabeth ARochester, NY Jun 22
Too many emails and all the questions about finances became a bit to much.
Rating: 5.0 out of 5.0 from Encompass Matt Merrick and his whole team made this a very pleasant experience. Matt was always available with any and all questions/concerns and made the process much easier. Thank you for everything!! DonnaBluffton, SC Jun 19
Matt Merrick and his whole team made this a very pleasant experience. Matt was always available with any and all questions/concerns and made the process much easier. Thank you for everything!!
Rating: 5.0 out of 5.0 from Encompass Very easy, efficent efficient and answered any necessary questions at an time throughout the process. Dennis EHilton, NY Jun 15
Very easy, efficent efficient and answered any necessary questions at an time throughout the process.
Rating: 5.0 out of 5.0 from Encompass Process was smooth and flexible for my clients. Kristin EGreece, NY Jun 15
Process was smooth and flexible for my clients.
Rating: 4.7 out of 5.0 from Encompass Everything went very smoothly from start to closing. Sheryl LeePenfield, NY May 26
Everything went very smoothly from start to closing.
Rating: 5.0 out of 5.0 from Encompass Another great transaction with Matt. He did an outstanding job throughout the entire process. He is always responsive, knowledgable, and making sure everything stayed on track from start to finish. Our client's had a great experience working with him. Appreciate the hard work as always! JackChurchville, NY May 13
Another great transaction with Matt. He did an outstanding job throughout the entire process. He is always responsive, knowledgable, and making sure everything stayed on track from start to finish. Our client's had a great experience working with him. Appreciate the hard work as always!
Rating: 5.0 out of 5.0 from Encompass Matt was very communicative and helpful throughout the entire process. He always made himself available and went above and beyond to answer all of our questions. We loved working with Matt and would recommend him to anyone! MarcyBrockport, NY May 11
Matt was very communicative and helpful throughout the entire process. He always made himself available and went above and beyond to answer all of our questions. We loved working with Matt and would recommend him to anyone!
Rating: 5.0 out of 5.0 from Encompass able to have my offer on the house a guaranteed cash deal, made all the difference. We looked at several houses and we will be out several times. Working with Matt and setting up our offer as a cash deal. even with 18 offers on the last house, our offer was accepted with Matt. Richard DanielChurchville, NY May 11
able to have my offer on the house a guaranteed cash deal, made all the difference. We looked at several houses and we will be out several times. Working with Matt and setting up our offer as a cash deal. even with 18 offers on the last house, our offer was accepted with Matt.
Rating: 5.0 out of 5.0 from Encompass The people I worked with were friendly, very helpful, explained the process well, Matthew was always available to answer questions, and professional. Terri JeanNorth Chili, NY May 08
The people I worked with were friendly, very helpful, explained the process well, Matthew was always available to answer questions, and professional.
Rating: 5.0 out of 5.0 from Encompass quick responses, and the general personable experience for all Bonnie FNorth Chili, NY May 05
quick responses, and the general personable experience for all
Rating: 5.0 out of 5.0 from Encompass Matthew Merrick and the entire team I worked with was fantastic, professional, and very knowledgeable. They made the entire process smooth and stress free. MatthewBrockport, NY Apr 30
Matthew Merrick and the entire team I worked with was fantastic, professional, and very knowledgeable. They made the entire process smooth and stress free.
Rating: 5.0 out of 5.0 from Encompass good communication and close colaberation JamesBrockport, NY Apr 30
good communication and close colaberation
Rating: 5.0 out of 5.0 from Encompass very helpful step by step, quick and efficient, knowledgeable! Alicia J.Hilton, NY Apr 06
very helpful step by step, quick and efficient, knowledgeable!