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As a California based VA Approved Direct Lender focused exclusively on CA transactions, Merchants specializes in quick, thorough approvals to help your offer get accepted in this extremely competitive market. Our interest rates are the lowest in the industry. Specializing in VA transactions, we close purchases in 14-15 days – we are VA experts. Through March 31, 2021 100% of our Pre-Approved borrowers received Full Underwriting approval.

For a VA eligible borrower seeking to refinance an existing mortgage, we offer 2 excellent programs with incredible interest rates. If your current loan is VA, then you may qualify for our streamline refinance program (also known as the IRRL). This program requires no income documentation, no appraisal and most of the time no closing costs. If your current loan is not a VA loan, you can borrow up to 90% of the appraised value at interest rates that are .5% below conventional rates and no monthly mortgage insurance. This is a perfect loan for veterans that wish to borrower more than 80% of the homes value.

I proudly celebrate my 30th year in the mortgage industry and have participated in over 1 Billion dollars in closed loans during my career. I enjoy assisting current and former military buyers with the purchase of a home and offer free consultations for anyone wishing to utilize my experience. I will also engage directly with the listing agent to assist your agent in getting your offer accepted. Over 90% of the contracts that get me involved with the listing agent get accepted. If you do not currently have an agent, I have worked with some of the best real estate professionals in CA and would be happy to refer you to someone.

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