Since 2010, our 14 day close has been helping buyers get their offers accepted.
Purchase that fixer using the VA Renovations and Alterations Program. Up to $200,000 available on a Purchase or Refinance
Once the pre-approval letter is issued, you can count on your loan closing. Your loan is completely underwritten before you start making offers.
Rates are published each morning and subject to change without notice based on market conditions - Rates vary from state to state.. VA Rate/APR based on first time use of VA benefit. The VA Rate assumes a $650,000 loan amount and credit score 740+. The VA Jumbo rate assumes a $800,000 loan amount and credit score 740+. Rates quoted include 1 discount point.
Calculate how much your monthly mortgage payment could be.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
See All Mortgage CalculatorsWelcome to Merchants Home Lending, your trusted mortgage company specializing in providing loan solutions tailored to your needs. Whether you are a veteran looking for a VA loan, in need of a refinance program, or seeking additional mortgage products and programs, we have got you covered.
At Merchants Home Lending, we understand the unique needs of our veterans, which is why we are proud to offer VA Loans. Our VA loan options are designed to make homeownership more accessible and affordable for those who have served our country. We are committed to helping veterans in San Diego, Los Angeles, and Sacramento achieve their homeownership dreams with our VA loan solutions.
In San Diego, Merchants Home Lending is dedicated to serving the vibrant community with our comprehensive mortgage services. We understand the diverse housing needs in this beautiful city and take pride in offering VA Loans that cater to the specific requirements of veterans in San Diego. Our team of experts is here to guide you through the VA loan process and help you secure the home of your dreams in this wonderful coastal city.
Los Angeles is a city of dreams, and at Merchants Home Lending, we are here to help make those dreams a reality. Whether you are a veteran or active-duty service member, our VA loan programs are designed to provide you with the support you deserve. Our experienced professionals are committed to assisting the residents of Los Angeles in accessing VA Loans that suit their individual needs, ensuring a smooth and hassle-free home buying experience.
In the state capital of Sacramento, Merchants Home Lending is dedicated to serving the community with our array of mortgage products and programs, including VA Loans. We understand the housing market in Sacramento and are here to help veterans secure the financing they need to achieve homeownership. Our team is committed to providing personalized guidance and support throughout the VA loan process, making your home buying journey as seamless as possible.
In addition to VA Loans, Merchants Home Lending offers various refinance programs such as VA Streamline and VA Cash Out, along with additional products and programs including HELOC, 2nd Mortgage, Rehab Loans, Construction Loans, IRRL Loans, and Multi-Unit Loans. Our goal is to provide comprehensive mortgage solutions that meet the diverse needs of our clients, ensuring that they find the perfect financing options for their homeownership goals.
No matter your mortgage needs, Merchants Home Lending is here to assist you every step of the way. Contact us today to learn more about how we can help you achieve your homeownership dreams in San Diego, Los Angeles, or Sacramento.
Zero down home loans up to $5,000,000 with no mortgage insurance.
Utilize up to 100% of your home equity to invest, improve your home or pay off high interest debt
Use your VA Benefit to Purchase a Multi-Family property using future rents to qualify. No landlord experience necessary.
It is our policy to offer the lowest rate and closing costs available on the day that you lock in your VA home loan.
Many of our competitors, including the #1 VA lender in the US, will lock you in at a higher rate with higher closing costs to see if you will accept those terms. They will only offer you better terms if you start talking with other lenders.
If you do not think this is a good business practice and prefer to work with a lender that provides their best offer the first time, let's get your application started.
Your best decison was to become a homeowner. Your second best decision was arriving here. Buyers who use Merchants for their financing have an 83% better chance of getting their offer accepted in this historically tight market.
The VA will allow you to purchase a 4 unit property with zero down as long as you will live in 1 of the units. You can even use the rents from the other 3 units to qualify for the mortgage.
Learn MoreIf you are a 100% disabled veteran, your property taxes will be reduced after you take ownership of the home.
Learn MoreCalvet will allow 100% financing for veterans who were on active duty for only 90 days.
Learn MoreYou've earned the VA Benefit, see how to create generational wealth.
Learn MoreUsing your zero down VA, you can receive up to $31,000 over the sales price to make home improvements.
Learn MoreWe have the resources to get any VA condo approved by the VA in as little as 14 days. This allows you to make an aggressive offer on a condo not currently approved by the VA.
Learn MoreThere are certain scenarios where you can make an offer with no appraisal or loan contingencies using VA financing. Click to schedule an appt for more details.
Learn MoreIf you have the ability to put down 12.5% on a purchase, you can use a co-borrower who is not a veteran to help qualify for the loan.
Learn MoreIf you can qualify for the new mortgage and your current housing payment, we can close your VA loan 6 months before your PCS date.
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