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Helping Veterans Build Wealth Since 1992
Rates Matter. Low Fees Matter. You Deserve Both.
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Lock and Shop
Lock in a low rate today while you shop for your home. If rates drop while you are shopping, you may qualify for a lower rate.
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14 Day Close
Since 2010, our 14 day close has been helping buyers get their offers accepted.
Our Yes Means Yes
Once the pre-approval letter is issued, you can count on your loan closing. Your loan is completely underwritten before you start making offers.
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1 day
Avg. Loan Approval Period
90%
of our business are VA Home Loans
$1B+
VA loans funded
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Can't Find that Perfect Home?
Turn your dream home into a reality. No Payments Due During Construction
Refinance an existing loan with ease and confidence.
Use Your VA Benefits for These Opportunities
$0 Down on a 2-4 Unit Property
Leverage your VA benefits to invest in multi-unit properties and build wealth through passive rental.
Buy a Multi-Family Property
No Property Taxes with a 100% VA Disability Rating
Save on property taxes if you're a 100% disabled veteran.
See this benefit
Buy with a Non Vet Co-Borrower
Combine resources by buying with a non-veteran co-borrower to expand your buying power.
VA Joint Loans
Buy a Condo That is Not VA Approved
Purchase non-VA-approved condos using a VA-backed loan with simple steps.
Condo Eligibility
Purchase Before You PCS
Use your VA benefits to secure a home before your Permanent Change of Station (PCS).
Changing Duty Stations
Get a Second VA Loan
Build wealth and diversify by purchasing a second property using your VA loan benefits.
Multiple VA Loans
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Get notified when rates drop
Stay Up to Date
Never miss a rate drop – experience smarter rate shopping. Our Price Drop Alert feature keeps you informed, instantly notifying you when prices fall.
You could be our next 5 Star Review!
Ever wonder why your lender does not publish their rates?
Let Merchants provide you with the lowest cost of VA mortgage money in the US
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Secure the lowest out of pocket expense
Community Outreach
Merchants is committed to assisting active military families and local Wounded Warriors programs
Merchants participated in the 2024 Veterans Day Parade alongside the San Diego Wounded Warriors Tennis group for the 2nd Year in a Row.
Providing Opportunities for the Children of Active Duty Families and Wounded Warriors
For the 4th year in a row, Merchants was a sponsor of the San Diego Veterans Tennis Classic. We connected the children of local active duty families with tennis players from the US Naval Academy for a terrific Saturday afternoon
States Where We Do Business
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