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Merrillville Mortgage | A&M Mortgage Group: Larry Penilla

Welcome to A&M Mortgage Group!

I'm Larry Penilla. When it comes to your Merrillville mortgage there's no one more passionate and dedicated to helping you get the best deal than me.

A&M Mortgage Group is committed to assisting you with all of your mortgage needs in Northwest Indiana and the surrounding areas.  We're very seasoned mortgage consultants -- ready to earn your trust and prove to you we truly are the best in the Northwest Indiana and Chicagoland areas.

We promise to answer all of your questions and concerns in a timely manner and serve you in a friendly, caring way. The process of a mortgage can be long and tough to understand, so we do our best to make it as simple as possible.

Throughout our website, you'll find plenty of resources freely available to you to help make your process easier to navigate. We offer several mortgage reports and mortgage calculators for you to use as a resource. We also offer a full page of home buying resources that provide you with links to resources such as cleaning services, community information, home construction information, electrical services, schools and education, home inspection, heating and cool and much more!

Among the mortgage options we offer are:

-          First time home buyer loans

-          Second home mortgages

-          Home refinance

-          Home equity

-          FHA mortgages

-          VA - Veteran mortgages          

-          Conventional and Jumbo mortgages

-          USRD - Rural Development mortgages

-          Down Payment Assistance

-          MCC - Mortgage Credit Certificates...


Larry and his team were excellent. They helped us close our loan ahead of schedule and were friendly yet professional during every step of the process. Buying our first home during a pandemic was a challenge, but being able to complete our mortgage application online sped up the process. On top of the great customer service, Larry was able to provide the best mortgage rate around. Id recommend Larry and his team to anyone.
Andrew Youngquist
Larry and his team were great to work with. They were very professional and friendly. They answered all my questions quickly. My loan closed on time and I got a great rate. I would definitely use Larry and his team again!!
Paula Kmetz
Larry and everyone at the office were very helpful and very knowledgeable regarding first time home buyers. They were able to get me a very low rate. I would definitely refer Larry to anyone looking to purchase a home.
Elois Mabon
Before you look for a house see Larry Penilla at A & M Mortgage. With his team we were able to put in a below list price offer, get it accepted with no counter and close in under 30 days. Larry and his team helped me get the most house for my qualifications and fine tune all my documents to get the best interest . great job Larry. Thanks to your team.
George Kalfas Sr
Larry was wonderful to work with! Very helpful, quick responses, and did a great job! We would highly recommend him and his company!!
Joy Pomeroy
"Today my family and I celebrate our first year in our new home. The process was made possible by the hard work, dedication and care of Larry Penilla. This is our second time working with him and both experiences have been a blessing. Thank you Larry for your professionalism and kindness as you help make people's dreams come true in homeownership. "

Diane S
Crown Point, In
Testimonial from Diane S (03/08/2016)
Buying a home, refinancing, all of it... can be very overwhelming, however, Larry & Christina went out of their way to provid us with the guidance & information needed to make our experience painless.  This is our 2nd time around with Larry Penilla and if there is a need for more business down the road, we will reach out to him once again.  Thank you!

Diane B. from Dyer, IN
Diane B.
Larry seemed efficient and professional. Thanks I will consider using him for my buyers future needs. 

Jessalynn E. -- a Realtor in Crown Point
Jessalynn E.
Awesome, Larry was professional, attentive and knowledgeable through out the whole process. HIGHLY recommended I send referrals:)

Dawn N. - Hobart, IN
Dawn N.
Larry Penilla and people at A&M mortgage were very helpful and got me the best possible rate for me. Would use their services again.

Gordon M. -- Lowell, IN
Gordon M.
Larry and his team are the best! They are very knowledgeable, patient, and great to work with. They made the process of getting a mortgage a comforting experience. Thank you Larry and team!

Sandra K. of Crown Point, IN
Sandra K.
Larry was honest, timely and answered all questions we had.  He helped make the "mortgage experience" as painless as possible.

Chris P. of Crown Point, IN
Chris P.
Extremely fast service! I have a beautiful home because of Larry's help, experience and his efficient staff. Thank you again!!!!

Laura T. - Dyer, IN
Laura T.
Mr. Larry Penilla was very attentive, informative, and provided the best kind of service.

Maria G. - Griffith, IN
Maria G.
Larry is the best. He gives it to you straight and will bend over backwards to help you get your mortgage.

Cathleen E. of Hobart, IN

Cathleen E.
A couple years ago, Larry Penilla and his mortgage team helped my husband and I refinance our mortgage to a much lower interest rate.  Having worked with Larry in the past when I was a real estate broker, I knew the quality of his professionalism.  I highly recommend him to all my family members and friends.  He's simply your "neighborhood" good better anywhere.

Charlotte F. - Valparaiso, IN
Charlotte F.
Larry provided excellent service and helped us strategize for the best possible game plan.  I highly recommend him.

Carey Y. - Crown Point, IN

Carey Y.
Would recommend others to him.
Gerald D.
First time homeowner. Larry and his team made getting my mortgage easier than I could have possibly imagined. A+ company and A+ individuals
Elie E.
I had a great experience at A&M. Larry Penilla was professional as well as very knowledgeable about the process. I feel that he went above and beyond what was required to help me obtain a mortgage. He was very honest and forthright every step of the way. I highly recommend him to anyone.

Stephanie C. of Merrillville, IN
Stephanie C.
I had a great experience at A&M. Larry Penilla was professional as well as very knowledgeable about the process. I feel that he went above and beyond what was required to help me obtain a mortgage. He was very honest and forthright every step of the way. I highly recommend him to anyone.
Mara D.
I had a great experience at A&M. Larry Penilla was professional as well as very knowledgeable about the process. I feel that he went above and beyond what was required to help me obtain a mortgage. He was very honest and forthright every step of the way. I highly recommend him to anyone.
Mara D.
Professional, efficient, personable and went the extra mile to work with us to get the job done.
John R.
Larry was very helpful and helped me get a low interest rate for the house I purchased.  It was a very smooth process.
Angela B.
Larry Penilla and his staff took the time to get to know us and what we wanted in our first home buying experience. They are a professional and courteous team who work hard to satisfy your personal financial needs.
Jeffery F.
Larry did an awesome job getting us what we wanted and needed for our  growing family. His very dedicated and faithful to all his customers regardless of their finances. I would recommend him many times over.

Yadira S. - Portage, IN
Yadira S.
With mediocre credit and not much for down payment Mr. Penilla still got us setup and into a house we wanted and in our price range. What more do you need?!
Curtis A.
Fantastic, Larry Penilla  was a Great help.
Robert E.
Complete in every way ..
Arthur J.
Mr. Penilla walked us through every step and took the time to answer in detail any and all our questions.
Gerardo A.
Hello Larry,   Very happy doing business with you.   Will definitely contact you if we ever buy another home!   Mary
Mary T.
Absolutely the mortgage experience for both of us !!!  Speedy, professional and without any phone tag :) Larry is by far the BEST in the business !!!!!!
Patti C.
Larry took the time to answer all of our questions and presented us with all the available mortgage options.  He kept us well informed throughout the whole process.  It was a treat to work with him and A&M and we plan to use them again when we decide to move again!
Jason B.
Our refinancing experience with A&M went smoothly.  We have done business with Larry Penilla for many years and have never been disappointed in his handling of our home mortgage needs.
Yvonne J.
Fantastic loan officer!  HIGHLY RECOMMEND!
Steven W.
I have worked with Larry on 3 mortgages every time he has delivered with impeccable service and attention to detail.  I have recommended Larry to my friends and he has always delivered.   Thank you Larry.
Timothy O.
Everything went so smoothly almost like to "good to be true", but it did! We were very pleased with the process and would highly recommend to others to Larry.
Randy B.
My experience was wonderful. Larry did a great job with listening to our needs, our concerns and did everything he could to make sure we were happy. I would definitely use A&M Mortgage Group again!
Jennifer J.
Larry Penilla and his team worked countless hours to help me and my family accomplish our goal of owning a home. Larry not only gave me advice but he made me feel like he cared and it showed! I will definitely recommend Larry and his team to anyone I know looking to buy a home.
Jennifer M.
It was a very easy process to obtain our mortgage for buying our house.  Larry Penilla was very helpful.
Eric N.
Larry, Thank you for everything you did, It was a very pleasant experience from start to finish!! Will recommend your firm to  friends and family in the future!!  Ken Carlson.
Kenneth C.
Great help always returned calls promptly! Loved working with Larry and his team!!
Joseph O.
I had a wonderful experience with Mr. Larry Penilla and the whole A&M Mortgage Group. They are a very nice, knowledgeable and professional group to work with. Thank you Mr. Penilla for all your hard work, great job!.
Steven B.
When anyone I care about asks me to refer a great local mortgage loan officer, Larry Penilla is at the top of the list and has been for years. I’ve worked with him personally and professionally for many years. My experience is, he takes care of his clients as well or better than anyone I know. He’s a mortgage pro you can definitely count on.

Christina K. - Dyer, IN
Christina K.

Areas We Serve

We are located in Merrillville. I also offer mortgage services statewide in Indiana and Illinois but primarily in many of the surrounding communities, including but not limited to:

-          Schererville     

-          Crown Point

-          Highland

-          Hobart

-          Portage

-          Valparaiso

-          Munster

-          Griffith

-          Dyer

-          Saint John

-          Hammond

If you are located in the area and are seeking a mortgage, contact me to find out how I can help!

Merrillville Mortgage and Real Estate

As a Merrillville loan originator, I make sure I keep up to date on the latest mortgage and housing trends in the area. The more we know about what’s going on around us, the better we can help you.

Since January 2013, housing prices have gradually increased in the area. In a three-month period from January to March 2013, the average sale price on a home was $409,842. One year later in 2015, this price increased to $442,456 and in 2016 it hit $471,347.


What We Do

The A&M Mortgage Group helps families in Merrillville and the surrounding areas realize their dreams by providing knowledgeable, professional advice complimented by fast service. We aim to build lifelong friendships with our clients and the best way to do that is to show them how much we care. My team and I do this by getting our clients the best deals and earn their trust by delivering favourable results. 

Check out some of the things my clients have said about our service:

Google Client Reviews

Facebook Client Reviews

YELP Client Reviews

The Town of Merrillville

Located in Lake County, Indiana, Merrillville has a population of 35,246 and became the largest town in Indiana in 2015 after the town of Fishers became a city. The town was named Merrillville after two brothers, Dudley and William Merrill.

Today, Merrillville is a popular spot for retail trade in Northwest Indiana while the town is also home to two Purdue University-affiliated facilities as well as the headquarters of NiSource, a Fortune 500 company.

Merrillville officially became a town in Indiana in 1971. Visitors and residents alike have a variety of options to choose from when it comes to things to do in Merrillville. Shopping, dining and entertainment options run throughout the town and provide you with many things to keep you busy.

Deep River Waterpark offers a perfect place for the family to cool down at in the summer while they can also attend special events and ice skating here during the winter months. The town also has two golf courses, a ballet theater, a comedy club and a concert theater to satisfy all of your cravings for a great night out.

The Merrillville Community Planetarium and Merrillville-Ross Township Historical Museum offers visitors an educational experience combined with the city’s wide selection of great restaurants makes for a fantastic family afternoon.

For a complete list of things to do in Merrillville and the surrounding areas, check out this link:



Why Larry for your Merrillville Mortgage?

Whatever your mortgage needs may be, my team and I are the ones you can trust when it comes to your mortgage. If you are still in need of some convincing on why you can trust us with your mortgage, consider the following:

  1. We are upfront and honest about everything!
  2. We’re not just your regular 9 to 5 mortgage business! We are available past the typical 9 to 5 business hours – including weekends – to answer all of your questions.
  3. We are personable! You’re not just another client with us. You are our friend.
  4. We understand you. Whatever your specific situation is, we work to understand it so we can best help you get the right deal.
  5. You deserve it! We believe that you deserve to be treated with respect, honesty and kindness.

The mortgage process can be a complex journey and that’s why my team and I work to make it as simple and understanding as possible for you.

If you’re looking for more information, have any questions or want to get started today, contact me today! I look forward to working with you.

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