Today's Rates


5.688% APR
VA 30 Year Fixed


5.824% APR
VA 30 Year Fixed Jumbo

Rates are subject to change without notice based on market conditions. Rate/APR based on first time use of VA benefit.  A 720 credit score was used for these 2 rate scenarios. The VA jumbo loan is any loan amount over $726,200

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Home Refinance
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From Veterans like you!

Community Service in Support of our Military

Merchants Home Lending was the proud sponsor of the Military Appreciate Day at the San Diego Open for both the Mens ATP and Womens WTA tennis events. Both events featured clinics for the local San Diego Wounded Warriors Tennis Program
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Helping Veterans Build Wealth through Homeownership

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VA Purchase

Zero down home loans up to $3,000,000 with no mortgage insurance.

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VA Cashout Refi

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

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VA Multi-Family

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

Is the 2-1 buydown a benefit?

The 2-1 buydown is appealing due to the lower payment in Year 1 and Year 2, but there is really no interest savings in this scenario and if you have a seller willing to offer credits, there are 2-3 alternatives that may bring your more long term benefits.  Please schedule a quick consultation to find out more.  

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A mortgage experience that's simple and streamlined

From application to loan approval, our Mobile App keeps you on track and fully informed every step of the way.

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.

Reduced Property Tax Rates

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

Cal Vet

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

VA Benefits

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

VA Renovation Loan

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

Multiple VA Loans

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

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.

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.

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.

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.

Ready to get started?

Get pre-approved in as little as 3 minutes.

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

(619) 567-6940