My wife and I recently closed on our home and wanted to highlight the excellent service we received from Bill and Shelley at Merchants home lending. Their low rates as well as their ability to meet the 14 day closing timeline made all the difference in getting us across the finish line, especially in this competitive market. Everything was completed as advertised and we were very impressed with the process. We will be using Merchants again in the future for all of our home lending needs. Thank you to Bill and Shelley!!

Shelley and Bill are the unicorn of the lenders. We were very stressed out after selling home that had a 2.75% interest rate, when we were told that the best rates we could find were in the high 5-6%. Shelley and Bill found us the best rate possible. They are the best professionals you can find out there, competent and highly competitive. They kept their commitment to the timeline of escrow. We highly recommend them, they made the process seemingly easy and flawless. Shelley is amazingly patient. A gem in the industry.

This was my first time buying a home in California, and the process was sometimes quite daunting. I had a lot of questions, and Shelley was personable, helpful, and extremely patient during the entire process. Not only that, but I got a great interest rate compared to other VA loan providers with lower closing costs. I cannot recommend Shelley and Merchants Home Lending highly enough - they are AWESOME!

My wife and I recently bought our first home using a VA loan and are ecstatic with the experience we had with Merchants! We feel very blessed to have found such a great lender. I was initially under the impression that all lenders are pretty much the same, but Merchants proved to me that your choice of lender can make the difference of many thousands of dollars. Through Merchants, we got a significantly lower rate and closing cost than any of the many other lenders we contacted could provide