Daryn Fillis | NEO Home Loans

Who is Daryn Fillis?

Daryn Fillis is a Certified Mortgage Advisor and Branch Lead at NEO Home Loans in Los Angeles, licensed in California under NMLS #1988371. He has been advising LA buyers, homeowners, and investors since 2020 and is bilingual in English and Spanish.

What does a mortgage advisor do differently than a mortgage broker or loan officer?

A mortgage advisor focuses on the financial strategy behind the loan, not just the transaction. Instead of quoting a rate and closing the file, an advisor runs a total cost analysis, models your equity over time, considers PMI trade-offs, and stays active in your file after closing to catch refinance opportunities and equity milestones.

How fast can you close a loan in Los Angeles?

Fifteen days or less when the file is fully underwritten before the offer. Full underwriting means income, assets, and credit have been verified by a real underwriter before you make an offer, which allows for accelerated close timelines and, when the file supports it, waiving the loan and appraisal contingencies.

What is the difference between a pre-qualification and a pre-approval?

A pre-qualification is based on what you told the lender and is not verified. A fully underwritten pre-approval means your income, assets, and credit have been documented and reviewed by an actual underwriter who has issued a conditional commitment. In competitive LA markets, fully underwritten pre-approvals win over pre-qualifications every time.

Do you work with real estate agents in Los Angeles?

Yes. Daryn partners with real estate agents across Los Angeles to help their clients win competitive offers through fast close timelines, fully underwritten pre-approvals, and the ability to waive loan and appraisal contingencies when the file supports it. Current partnerships include Stephanie Younger Group and Estate of Grace.