Forest Hills Mortgage

About Forest Hills Mortgage

Forest Hills Mortgage is an independent wholesale mortgage broker serving Pittsburgh, all of Pennsylvania, and the Jacksonville metro area. Led by Matt Mergo, the company differentiates itself by shopping loan applications across dozens of wholesale lenders to secure competitive pricing, rather than relying on a single bank's offerings. They emphasize direct client communication, with clients reaching Matt directly from initial inquiries through closing, avoiding call centers and rotating loan officers. The company's mission appears to be providing transparent, honest, and accessible mortgage brokerage services, focusing on finding the best rates and terms for clients by leveraging wholesale market competition.

Why Choose Forest Hills Mortgage

Forest Hills Mortgage offers a distinct advantage through its wholesale brokerage model, providing access to a wide network of lenders who compete for business, often resulting in sharper pricing and lower closing costs compared to traditional retail banks. Clients benefit from direct, consistent communication with Matt Mergo throughout the entire loan process, ensuring a personalized and efficient experience. The company specializes in handling complex income situations, such as those of tech professionals, self-employed individuals, and visa holders, which are common in the Pittsburgh market. Their commitment to transparency is further demonstrated through free, accessible mortgage calculators and a straightforward approach to explaining loan options and costs.

Forest Hills Mortgage Offers

Forest Hills Mortgage provides a comprehensive suite of mortgage services tailored to diverse client needs. They offer a wide array of loan programs including Conventional, FHA, VA, Jumbo, Adjustable-Rate Mortgages (ARMs), Refinance options, HELOCs, Reverse Mortgages, and specialized loans for self-employed individuals, bank statement borrowers, H1B and visa holders, DSCR investors, and construction or renovation projects. They also cater to vacation and second home purchases. Beyond loan origination, the company provides valuable resources such as mortgage calculators, a detailed guide library covering the mortgage process, costs, and closing procedures, and a document checklist to assist clients. Their service areas include Pittsburgh and surrounding Pennsylvania communities, as well as Jacksonville, FL.

Unique Advantages

Forest Hills Mortgage distinguishes itself through its direct-broker model, offering personalized service without call centers. They specialize in complex income scenarios, including self-employed and H1B/visa holders, which are often challenging for retail lenders. By leveraging wholesale lending, they provide access to competitive pricing and transparent math, empowering clients with free calculators and honest assessments of refinance viability.