Since 2010, our 14 day close has been helping buyers get their offers accepted.
Your dedicated SPC Loan Officer will be with you through
the entire process, from pre-approval to close.
We do not pass your file through multiple departments
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. 740 credit score assumed on a $650,000 loan amount for a TX property paying 1 discount point. The VA jumbo is a VA loan amount over $766,550.
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.
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From Veterans like you!
Merchants Home Lending is a leading mortgage company specializing in providing loan solutions, with a strong focus on VA Loans. We understand the unique needs of our customers and are dedicated to helping veterans and their families achieve their dream of home ownership. With a commitment to excellent service and expertise in VA Loans, we take pride in serving the communities of San Diego, Los Angeles, and Sacramento in California.
San Diego is a vibrant city known for its beautiful beaches and rich cultural diversity. At Merchants Home Lending, we are proud to be a part of this dynamic community, offering tailored mortgage solutions, including VA Loans, to support the housing needs of veterans and their families. Our experienced team is dedicated to providing personalized assistance to help our clients navigate the mortgage process with ease.
Located in the heart of Southern California, Los Angeles is a bustling metropolis with a diverse real estate market. At Merchants Home Lending, we are dedicated to serving the residents of Los Angeles by providing expert advice and tailored mortgage solutions, including VA Loans, to support the unique needs of veterans and their families. Our team is committed to helping our clients achieve their homeownership goals.
As the capital of California, Sacramento is a city steeped in history and surrounded by natural beauty. At Merchants Home Lending, we take pride in serving the community of Sacramento by offering comprehensive mortgage solutions, including VA Loans, to support the housing needs of veterans and their families. Our knowledgeable team is committed to providing exceptional service and guidance throughout the mortgage process.
Whether its in San Diego, Los Angeles, or Sacramento, Merchants Home Lending is dedicated to providing top-notch mortgage solutions, including VA Loans, to support the unique needs of veterans and their families in these vibrant California cities.
Zero down home loans up to $4,000,000 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.
WIth housing inventory at all time lows, it is harder than ever to buy a home. One way to get an offer accepted is to make an offer with no contingencies. Here are a few questions and answers regarding this type of offer.
Q. Can I write a non-contingent offer if I am using mortgage financing?
A. Yes, if you are able to make up the difference between the appraised value and the contract sales price in the event that the home appraises low.
Q. Can I write a non-contingent offer using VA financing?
A. Yes, the same answer would apply - if you have the funds to make up the difference between between the sale contract price and a low appraisal, you can safely write a VA offer with no contingencies
Q. Is there any risk if I write a non-contingent offer?
A. There could be risk if your loan is not fully approved before you make your offer. Our Single Point of Contact Loan Officer's are trained to have your file fully underwritten before advising you to make a non-contingent offer.
You should always make sure that your Realtor and your Loan Officer are on the same page before submitting a non-contingent offer.
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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