Family-Owned Since 2013

Experience the difference.

Where excellence meets affordability. We craft personalized mortgage solutions that align with your dreams and financial goals.

25+ Years Experience
5.0 Google Rating
48 States Served
1000+ Happy Families
Merit Lending
Since 2013 Family Owned & Operated
Welcome to Merit Lending

Your Partners in Building a Secure Future

You've come to the right place for your home loan. As a family-owned business founded in 2013, we understand the significance of finding a place to call home.

Our commitment goes beyond just numbers — we're dedicated to crafting personalized solutions that align with your dreams and financial goals. With rates that make sense and service that feels like home, we're not just another mortgage provider.

Superior Rates
Personalized Service
Fast Pre-Approval
Expert Guidance
Loan Options

Tailored Mortgage Solutions

Whether you're a first-time buyer or a seasoned investor, we have the right loan program for your needs.

Fixed Rate Mortgage

Predictable payments with a locked-in interest rate for the life of your loan.

FHA Home Loan

Low down payment options and flexible credit requirements for qualified buyers.

VA Home Loan

Exclusive benefits for veterans and active military with zero down payment.

Refinance

Lower your rate, reduce payments, or tap into your home's equity.

Jumbo Loan

Financing for high-value properties that exceed conventional loan limits.

First Time Buyer

Special programs and guidance designed for your very first home purchase.

Investment Property

Build your portfolio with competitive rates on rental and investment properties.

USDA Loan

Zero down payment options for eligible rural and suburban homebuyers.

Nationwide Coverage

Where We Lend

We proudly serve clients across the United States. Licensed in the following states and growing.

Nevada
California
Utah
Texas
Florida
Arizona
Colorado
Oregon
Washington
Idaho
Montana
Wyoming
New Mexico
Oklahoma
Georgia
South Carolina
North Carolina
Tennessee
Alabama
Mississippi

+ many more states — reach out for your area

Client Reviews

What Our Clients Say

Don't just take our word for it — hear from the families we've helped find their dream homes.

"Merit Lending made the entire mortgage process seamless. Their team was incredibly responsive and got us the best rate available. We couldn't be happier with our new home!"

JR
James R.
Google Review

"As first-time homebuyers, we were nervous about the process. Kelly and the team at Merit Lending guided us every step of the way. Truly outstanding service from start to finish."

SM
Sarah M.
Google Review

"I've refinanced twice with Merit Lending and both times the process was smooth and the rates were unbeatable. They truly care about their clients and it shows."

DT
David T.
Google Review
Learning Center

Let's Learn!

Browse our educational articles to help you make smarter mortgage decisions.

Buying

A Step-by-Step Guide to Shopping for a New Home

Whether this is your first or tenth home purchase, shopping for a new home is an exciting time...

Refinancing

When Is the Right Time to Refinance Your Mortgage?

Understanding when refinancing makes financial sense can save you thousands over the life of your loan...

Credit

Understanding Your Credit Score & How It Affects Your Loan

Your credit score plays a major role in determining your mortgage rate and loan eligibility...

Get In Touch

Let's Start Your Journey Home

Have questions or ready to get started? Reach out and our team will get back to you promptly.

Contact Information

Fill out the form and our team will get back to you within 24 hours.

Address
9960 W Cheyenne Ave, Suite 240
Las Vegas, NV 89129
Phone
(702) 552-2200
Business Hours
Mon – Fri: 8AM – 6PM
Sat: By Appointment

Send Us a Message

Fill out the form below and we'll be in touch shortly.

Company NMLS: 1133463 • Equal Housing Opportunity

Ready to Get Started?

Take the first step toward your dream home. Get pre-qualified in minutes with no impact to your credit score.

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

High Desert Real Estate

Your Trusted Real Estate Partner

Whether you're buying, selling, or investing — Singh Investments LLC delivers expert real estate solutions across the High Desert and beyond.

4 Cities Served
100+ Deals Closed
5.0 Client Rating
High Desert Living
HD High Desert Experts
About Us

Real Estate Done Right in the High Desert

Singh Investments LLC is a trusted real estate company serving the High Desert communities of Victorville, Hesperia, Apple Valley, and Adelanto. We specialize in helping homeowners, buyers, and investors navigate the real estate market with confidence.

Whether you're looking to sell your property quickly, find your dream home, or build your investment portfolio, our team provides personalized solutions tailored to your unique goals.

Local Market Experts
Fair Cash Offers
Fast Closings
Investor Friendly
What We Do

Our Real Estate Services

From buying and selling to strategic investments, we offer comprehensive real estate services for every need.

Buy a Home

Find your perfect property in the High Desert. We help first-time buyers and seasoned homeowners discover homes that match their lifestyle and budget.

Sell Your Property

Get a fair cash offer or list your home for maximum value. We provide flexible selling solutions with fast closings and no hidden fees.

Real Estate Investing

Build wealth through strategic real estate investments. We help investors find off-market deals, fix-and-flips, and rental properties with strong returns.

Quick Cash Offers

Need to sell fast? We buy houses in any condition. No repairs, no commissions, no hassle — just a fair cash offer and a quick close.

Wholesale Deals

Access exclusive wholesale opportunities. We connect investors with deeply discounted properties for maximum profit potential.

Property Consultation

Not sure where to start? Our free consultation helps you understand your options and create a personalized real estate strategy.

Coverage Area

Where We Serve

Proudly serving the High Desert communities of San Bernardino County, California.

Victorville

Primary Market

Hesperia

Active Market

Apple Valley

Active Market

Adelanto

Growing Market

How It Works

Simple 4-Step Process

We've streamlined the real estate process to make it easy and stress-free for you.

01

Reach Out

Contact us by phone, email, or through our website form. Tell us about your property or what you're looking for.

02

Consultation

We'll discuss your goals, review your options, and create a strategy that works best for your situation.

03

Get an Offer

Receive a fair, no-obligation offer or a tailored plan to buy, sell, or invest — on your timeline.

04

Close the Deal

We handle the paperwork and logistics. You enjoy a smooth, hassle-free closing experience.

Testimonials

What Our Clients Say

Real stories from real people we've helped in the High Desert.

"Singh Investments made selling our home in Victorville incredibly easy. We got a fair cash offer and closed in just two weeks. Highly recommend!"

MR
Maria R.
Victorville, CA

"As a first-time investor, I needed guidance. Judgepreet walked me through everything and helped me find a great rental property in Hesperia."

TJ
Tyler J.
Hesperia, CA

"Professional, honest, and fast. They bought our inherited property in Apple Valley when we didn't know what to do. The whole process was stress-free."

LK
Lisa K.
Apple Valley, CA
Contact Us

Let's Talk Real Estate

Ready to buy, sell, or invest? Reach out and let's discuss how we can help you achieve your goals.

Get In Touch

Fill out the form and we'll get back to you within 24 hours.

Address
13196 Andrea Dr
Victorville, CA 92392
Business Hours
Mon – Fri: 9AM – 6PM
Sat: By Appointment

Send Us a Message

Fill out the form below and we'll be in touch shortly.

Ready to Make Your Move?

Whether you're buying, selling, or investing — we're here to help you every step of the way.

Public Manner Dog Training Academy | Real Results. Real Relationships.
Public Manner Dog Training Academy

Where Manners Last Fur-Ever.
Real Results. Real Relationships.

All Breeds & All Ages are Welcome. We are professional behavior specialists offering premier Board & Train, Private Lessons, and In-Home Programs tailored to your unique dynamic.

Behavior Specialists

Expert evaluation and custom resetting protocols.

All Breeds & Ages

From developmental puppy foundations to mature dog corrections.

Board & Train • Private Lessons • In-Home Programs
All Breeds are Welcome
Behavior Specialists
All Ages are Welcome
Methodology

Our Approach

Relationship Before Obedience

At Public Manner Dog Training Academy, we believe every great dog starts with a great relationship. Our approach focuses on communication, trust, and respect—not just commands. By teaching owners how to lead with calm confidence, we transform chaos into connection. Whether your dog is a puppy just starting out or a mature dog needing a reset, we help both ends of the leash find balance, focus, and harmony.

Real-World Training for Real-World Dogs

Training shouldn’t stop at the classroom door. Our programs are designed around real-life situations—parks, sidewalks, doorways, distractions, and daily routines. We don’t just teach “sit” and “stay”; we create dependable obedience you can count on anywhere. From leash manners to recall under pressure, we build skills that last far beyond the training field.

Tailored to Every Dog, Every Family

No two dogs are the same! That’s why we customize every training plan to match your dog’s personality, your lifestyle, and your goals. Whether you’re dealing with puppy challenges, reactivity, anxiety, or advanced off-leash goals, our balanced and humane methods ensure your dog learns at their pace. Every program is built to strengthen confidence, improve communication, and make your bond stronger than ever.

Calm. Confident. Well-Mannered.

Our mission is in our name—Public Manner. We specialize in helping dogs become calm, confident, and well-mannered members of society. Through structured guidance, clear communication, and consistent leadership, we turn unruly behavior into reliability. The result? A dog you can take anywhere with pride and peace of mind.

Structure Creates Freedom
Every Dog Has a Purpose
The Dog–Human Bond Comes First
Progression

How It Works

Consultation & Pay-As-You-Go Program!

If your dog qualifies, you may be eligible for our Pay-As-You-Go Training Program. This option is ideal for families who want to train at their own pace without committing to a full program upfront. After an evaluation, we’ll determine if your dog is a good candidate based on focus, temperament, and consistency. You’ll pay per session as you go, while still receiving structured guidance and personalized homework between visits.

Special Offers!

We believe great training should come with great rewards.

  • 1 Free Session when you enroll in any of our Private Training Programs
  • 50% Off Your Additional Week when you extend your dog’s stay with our Board & Train Program

These offers are our way of saying thank you for trusting Public Manner Dog Training Academy to be part of your dog’s journey toward confidence, structure, and balance.

Tiers

Our Programs

Pay As You Go

Starting at $150 / session

At Public Manner Dog Training Academy, we understand that every dog — and every family — learns differently. That’s why we offer our Pay-As-You-Go Training Program, a flexible option for those who want to train one step at a time without committing to a full package upfront.

With this program, you can book one private session at a time, allowing you to focus on your dog’s progress, comfort level, and your schedule. Each session lasts about 60–75 minutes and is customized to your specific goals — whether that’s leash manners, jumping, confidence-building, or reinforcing obedience commands.

  • Basic Obedience: $150
  • Advanced Obedience: $175
  • Behavior Modification: Request Rate
  • Equipment Not included

Why Clients Love Pay-As-You-Go: No Long-Term Commitment, Perfect for Busy Schedules, Personalized Attention, Progress You Can See, and Option to Upgrade Anytime.

Best Value

Board & Train Program

Equipment Included

Our 2-Week Board & Train Program is designed for dogs who need more than just basic training — they need balance, focus, and reliability in everyday life. During your dog’s stay, they’ll live with one of our professional trainers and experience a consistent daily routine that mirrors real-world life — walks, rest, social exposure, and structured obedience sessions throughout each day.

Your dog will learn to listen, follow direction, and stay calm around distractions—from neighborhood walks to door greetings and mealtime manners. Because training in a real home setting means your dog learns how to behave where it matters most — in yours.

Throughout the program, we send weekly video updates, photos, and progress reports so you stay connected and confident.

  • ✓ 2 Weeks Immersion Boarding
  • ✓ Daily High-Distraction Outings
  • ✓ Weekly Media & Video Updates
  • ✓ Personalized Comprehensive "Go-Home" Session

Note: Final pricing may vary slightly depending on your dog’s weight, temperament, and individual training needs. All programs include a customized evaluation to ensure accurate pricing and the right training plan for your furry companion. Prices may vary depending on your dog’s size, temperament, and training goals.

Specialized track

Service Dog Training Program

Transform your dog’s potential into a life-changing partnership. Our Service Dog Training Program is designed to help dogs develop the reliability, focus, and confidence needed to assist their owners in everyday life.

To ensure success and maintain the highest training standards, all students must first complete one of our Basic Obedience Programs before enrolling in any advanced service-dog course. This builds the solid foundation required for public access, focus under distraction, and specialized task work.

Upon successful completion, graduates receive one of our exclusive Personal Service Dog Patches — a symbol of their accomplishment and dedication. While this patch represents the dog’s advanced level of training, all handlers are responsible for following current ADA and airline policies regarding service-dog travel and public access. When properly documented, many owners are able to fly side-by-side with their trained companions, enjoying peace of mind and greater independence.

AKC Evaluator
APDT Member
Service Dog Standard
Ziggy & Mable

Mission Driven

Building flawless connectivity between both ends of the leash since 2008.

Our Mission

President & K-9 Behavior Specialists Joe Hargro

My journey as a dog trainer began long before Public Manner Dog Training Academy was ever created — it started back in 2008 with my first dog, Rocsie, a loyal and driven American Pit Bull Terrier. Rocsie was my best friend and my greatest teacher. Together, we built a bond through patience, trust, and consistency. I taught her to heel and side both on and off leash, to stay calmly from a distance — even out of sight, and believe it or not, I even trained her to duck hunt and retrieve from the lake. That experience showed me what was truly possible when communication replaces control and leadership replaces frustration.

Years later, in 2016, my family welcomed Flash, a seven-pound Maltese with a big personality and even bigger reactivity issues. At first, he barked at everything and everyone. But through structure, confidence-building, and positive leadership, Flash transformed into the complete opposite of his old self — a calm, social, and obedient little dream dog who reminded me that every dog, no matter their size or background, can achieve balance.

Those experiences changed my life. What began as a passion became a calling. I became a professional dog trainer, dedicated to helping other families experience the same life-changing relationship I’ve been blessed to have with my own dogs.

Our mission is simple: To show every dog owner that having a well-trained, balanced dog isn’t just about obedience — it’s about peace of mind, freedom, and a deeper bond built on respect and trust. At Public Manner Dog Training Academy, we’re here to help you turn your dog into the calm, confident companion you’ve always dreamed of — and to help you feel proud, relaxed, and connected every step of the way.

Tell me all about it!

Ready to transition your household from standard everyday chaos into focused, absolute connection?

Call Us Today
(954) 854 1915