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

 Lock in your VA rate for 90 days while you look for a house and eliminate the risk of rates going up.  If rates drop while you are shopping, you will get the lower rate.

Rates Start as Low As

5.75%

6.062% APR
VA 30 Year Fixed

5.88%

6.184% 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.  The VA 30 Year Fixed Rate is based on a $650,000 loan amount for a property in Texas paying 1 discount point and credit score 740+.  The VA Jumbo rate is based on a $800,000 loan amount for a property in Texas paying 1 discount point and credit score 740+

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Home Purchase
I want to buy a home
Home Refinance
I want to refinance a home

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What Clients Are Saying About Us!

Great Reviews

From Veterans like you!

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!!

- Craig

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.

- Jim

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!

- Dan

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

- Elmer

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Community Service in Support of our Military

Merchants Home Lending was a proud sponsor of the 2023 San Diego Veterans Tennis Classic.  This event featured the US Naval Academy Men's and Women's Tennis programs.  It also included clinics for the local San Diego Wounded Warriors Tennis Program and the children of local military families.

For the third summer in a row, Merchants proudly sponsored the children of military families for Tennis Camp Scholarships through Youth Tennis San Diego.  In 2023, we assisted 26 military families.
Support of our Military

Merchants Home Lending - VA Experts

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.

Helping Veterans Build Wealth through Homeownership

Service VA
VA Purchase

Zero down home loans up to $5,000,000 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
Transparent Rates and Fees

It is our policy to offer the lowest rate and closing costs available on the day that you lock in your VA home loan.

Many of our competitors, including the #1 VA lender in the US, will lock you in at a higher rate with higher closing costs to see if you will accept those terms.  They will only offer you better terms if you start talking with other lenders.

If you do not think this is a good business practice and prefer to work with a lender that provides their best offer the first time, let's get your application started.



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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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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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Cal Vet

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

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VA Benefits

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

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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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Multiple VA Loans

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

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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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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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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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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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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) 567-6940