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Helping Veterans Build Wealth Since 1992

Rates Matter.  Low Fees Matter.  You Deserve Both.

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No impact on credit score
No hidden costs
No documents required
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4.9
53+ reviews
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4.9
91+ reviews
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5.0
18+ reviews
Lock and Shop

Lock and Shop

Lock in a low rate today while you shop for your home.  If rates drop while you are shopping, you may qualify for a lower rate.

14 Day Close

14 Day Close

Since 2010, our 14 day close has been helping buyers get their offers accepted.

Our Yes Means Yes

Our Yes Means Yes

Once the pre-approval letter is issued, you can count on your loan closing. Your loan is completely underwritten before you start making offers.

About us

Who we are

Sasha Sams
CEO, Five Star Mortgage

We are a licensed, local mortgage broker with more than 3 decades of mortgage experience. We are independent and do not work for a specific bank or lender. That independence is your secret home financing weapon, since we can shop multiple wholesale mortgage lenders on your behalf — giving you access to more home loan options than what a bank or
online lender can offer.

The result is typically a cheaper, faster and easier mortgage for you.

Learn more

1 day

Avg. Loan Approval Period

90%

of our business are VA Home Loans

$1B+

VA loans funded

Today’s rates

(Updated in real time)
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Rates as of January 20, 2024

Can't Find that Perfect Home?

VA Construction Loan

Turn your dream home into a reality. No Payments Due During Construction

Refinance a home

Refinance an existing loan with ease and confidence.

Use Your VA Benefits for These Opportunities

$0 Down on a 2-4 Unit Property

$0 Down on a 2-4 Unit Property

Leverage your VA benefits to invest in multi-unit properties and build wealth through passive rental.

Buy a Multi-Family Property

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No Property Taxes

No Property Taxes with a 100% VA Disability Rating

Save on property taxes if you're a 100% disabled veteran.

See this benefit

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Buy with a Non Vet Co-Borrower

Buy with a Non Vet Co-Borrower

Combine resources by buying with a non-veteran co-borrower to expand your buying power.

VA Joint Loans

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Buy a Condo That is Not VA Approved

Buy a Condo That is Not VA Approved

Purchase non-VA-approved condos using a VA-backed loan with simple steps.

Condo Eligibility

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Purchase Before You PCS

Purchase Before You PCS

Use your VA benefits to secure a home before your Permanent Change of Station (PCS).

Changing Duty Stations

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Second VA Loan

Get a Second VA Loan

Build wealth and diversify by purchasing a second property using your VA loan benefits.

Multiple VA Loans

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Ever wonder why your lender does not publish their rates?

Transparent Rates
Transparent Rates

Let Merchants provide you with the lowest cost of VA mortgage money in the US

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Transparent Fees
Transparent Fees

Secure the lowest out of pocket expense

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Community Outreach

Merchants is committed to assisting active military families and local Wounded Warriors programs

San Diego Wounded Warriors Tennis group

Merchants participated in the 2024 Veterans Day Parade alongside the San Diego Wounded Warriors Tennis group for the 2nd Year in a Row.

Active Duty Families and Wounded Warriors

Providing Opportunities for the Children of Active Duty Families and Wounded Warriors

Tennis players from the US Naval Academy

For the 4th year in a row, Merchants was a sponsor of the San Diego Veterans Tennis Classic.  We connected the children of local active duty families with tennis players from the US Naval Academy for a terrific Saturday afternoon

Our presence

States Where We Do Business

States Where We Do Business

For the Lowest Monthly Mortgage Payment and Least Amount Out of Pocket

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No impact on credit score
No hidden costs
No documents required