ASSISTING VA BuYers SINCE 1992

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 Start as Low As

5.63%

5.966% APR
VA 30 Year Fixed

5.63%

5.956% APR
 VA 30 Year Fixed Jumbo 

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.  

Mortgage Payment Calculator

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* 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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What Clients Are Saying About Us!

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From Veterans like you!

Merchants Home Lending - Specializing in VA Loans

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.

Support of our Military

Helping Veterans Build Wealth through Homeownership

Service VA
VA Purchase

Zero down home loans up to $4,000,000 with no mortgage insurance.

Check Eligibility
Service VA
VA Cashout Refi

Utilize up to 100% of your home equity to invest, improve your home or pay off high interest debt

Find your rate
Service VA
VA Multi-Family

Use your VA Benefit to Purchase a Multi-Family property using future rents to qualify. No landlord experience necessary.

Get your Quote
Non-Contingent offers

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.

House
App
Loan approval in as little as 2 hours

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.

Use your VA Benefit for These Opportunities

Purchase a 4 Plex

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.

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Schedule a Consultation
Reduced Property Tax Rates

If you are a 100% disabled veteran, your property taxes will be reduced after you take ownership of the home.

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Schedule a Consultation
Cal Vet

Calvet will allow 100% financing for veterans who were on active duty for only 90 days.

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Schedule a Consultation
VA Benefits

You've earned the VA Benefit, see how to create generational wealth.

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Schedule a Consultation
VA Renovation Loan

Using your zero down VA, you can receive up to $31,000 over the sales price to make home improvements.

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Schedule a Consultation
Multiple VA Loans

The VA will allow you to have multiple VA loans at the same time.

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Schedule a Consultation
Buy a Condo that is not VA approved

We 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.

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Schedule a Consultation
Make an offer with no contingencies

There 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.

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Schedule a Consultation
Utilize a co-borrower who is not a veteran

If 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.

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Schedule a Consultation
Purchase months in advance of your PCS date

If 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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Ready to get Started?

Get pre-approved in as little as 3 minutes.

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A Single Point of Contact Loan Officer is standing by to help you get started

(619) 264-5611