ASSISTING HOMEBUYERS SINCE 1992
Since 2010, our 14 day close has been helping buyers get their offers accepted.
Your dedicated Loan Officer will be with you through the entire process, from pre-approval to close.
Your file does not get passed through multiple depts like the majority of our competitors.
Once we issue the pre-approval letter, you can count on your loan closing. Your loan is completely underwritten before you start making offers.
VA 30 Year Fixed
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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From Veterans like you!
My wife and I recently bought our first home using a VA loan and are ecstatic with the experience we had with Merchants! We feel very blessed to have found such a great lender. I was initially under the impression that all lenders are pretty much the same, but Merchants proved to me that your choice of lender can make the difference of many thousands of dollars. Through Merchants, we got a significantly lower rate and closing cost than any of the many other lenders we contacted could provide
My wife and I recently closed on our home and wanted to highlight the excellent service we received from Bill and Shelley at Merchants home lending. Their low rates as well as their ability to meet the 14 day closing timeline made all the difference in getting us across the finish line, especially in this competitive market. Everything was completed as advertised and we were very impressed with the process. We will be using Merchants again in the future for all of our home lending needs. Thank you to Bill and Shelley!!
Our closing schedule was very quick, and Merchants was extremely punctual every step of the way. Bill and Shelley were always patient and responsive with all of our questions. The entire process was as smooth as imaginable. Merchants will be my top recommendation to friends looking to buy or refinance in the area.
The best part of buying our first home was Merchant's Lending. Bill and Shelley are amazing. Buying a home from across the world wasn't easy, especially in a competitive and constantly changing market. We got an amazing interest rate with Merchant's, far lower than any others we saw anywhere. Not only is our rate great, we were ready to close in less than two weeks. Bill and Shelley were very patient with answering our never-ending questions. If you are buying or refinancing a home with a VA loan, give Bill a call, it'll be the last "shopping" call you make- Merchant's just can't be beat!
This is a long over due review. I typically leave review for business either they are too bad or I have a lot of good things to say. Bill and Shelley at Merchants home lending exceeded my expection. I got an amazing rate (2.25@30 year with lender credit!) and outstanding customer service before I say anything else. I came cross Bill on Zillow mortgage marketplace because of the good review and decided to give him a try. After talking to Bill and discussed my needs, I realized that Bill is the one will make the home purchase a reality. I'm saying this not only because he is knowledgable about what he does but also he is willing to work with you and your real estate agent any time you need him. I have dealt with multiple big nation-wide VA lenders and found it a hassle when you need help after office hours, this is not the case with Bill though. The loan process was smooth and easy because Shelley is on top of things and she would keep you informed at every step. When Bill said he can close in 14 days, my agent intially didn't believe that so did the seller's agent, well, the final closing was pushed back 2 days because other issue but Bill definitely had the ability to close in 14! I think he set the highest standard in VA loan lending. You may get the same great rate from other lenders, but you are unlikely get the same speed Bill offers. I recommed Bill to anyone who wants VA loan with great rate and outstanding customer service!
Shelley and Bill are the unicorn of the lenders. We were very stressed out after selling home that had a 2.75% interest rate, when we were told that the best rates we could find were in the high 5-6%. Shelley and Bill found us the best rate possible. They are the best professionals you can find out there, competent and highly competitive. They kept their commitment to the timeline of escrow. We highly recommend them, they made the process seemingly easy and flawless. Shelley is amazingly patient. A gem in the industry.
This was my first time buying a home in California, and the process was sometimes quite daunting. I had a lot of questions, and Shelley was personable, helpful, and extremely patient during the entire process. Not only that, but I got a great interest rate compared to other VA loan providers with lower closing costs. I cannot recommend Shelley and Merchants Home Lending highly enough - they are AWESOME!
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Community Service in Support of our MilitaryMerchants 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
Helping Veterans Build Wealth through Homeownership
VA Cashout Refi
Utilize up to 100% of your home equity to invest, improve your home or pay off high interest debt
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.