Geofrey Merino

Geofrey Merino

NMLS #317287
M: (385) 231-2333

Get Started

With over 15 years of experience in the mortgage industry, Geofrey has developed a reputation as a trusted advisor dedicated to guiding clients through the complexities of homeownership. His career began with a broker, where he spent five years refining his skills before transitioning to a bank, where he worked for 12 years. Geofrey has been a proud member of Heritage Bank NA for the past year and plans to continue his journey with the bank for many more years.

Geofrey’s unique background in social work has shaped his approach to mortgage lending. He finds immense satisfaction in helping people achieve their dreams of homeownership. His philosophy is straightforward—provide clients with the best possible solutions, serve as their financial advisor, and advocate for them throughout their financial journey. He focuses on building close, personal relationships with his clients. He takes the time to understand their unique situations, treating them like family or friends. This approach has earned him the trust and loyalty of many homeowners who see him as their go-to advisor. Geofrey believes that a mortgage is a crucial step in fulfilling the dream of homeownership and is committed to ensuring that his clients have a comfortable and positive experience.

Outside of his professional life, Geofrey enjoys spending time with his wife of 26 years and their child. He also has a pet that adds joy to their family life. In his spare time, you’ll often find him on the soccer fields, coaching youth and helping them develop their skills. His love for California is evident in his active lifestyle and community involvement.

Geofrey’s extensive experience and commitment to building lasting relationships and providing expert guidance sets him apart in the mortgage industry. For anyone looking to navigate the home-buying process with confidence, Geofrey is the trusted advisor you need.

New! 4.04% APY* on checking.
*APY = Annual Percentage Yield

Accessibility Toolbar

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Rate applies to balances between $0.01 and $100,000

To earn 4.04%, you must:

  1. Have at least $5,000 in direct deposit each month from payroll, social security, investment income, or other forms of monthly income.
  2. Have monthly debit card purchases posted to your account equaling a minimum of $500. Please note that ATM transactions do not count toward the debit card purchase requirement.
  3. Enroll and receive monthly eStatements. With eStatements, you must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.

Payroll Plus Rates effective as of June 1, 2024. Minimum opening deposit of $100.