Merchants Mortgage

It’s easy to bank with Merchants Bank™

Welcome to Merchants Mortgage. We look forward to putting our mortgage services to work for you!

At Merchants Mortgage, we understand that a mortgage transaction is one of your most important financial decisions. Whether you are building, buying, refinancing, or consolidating debt, our highly talented and experienced Loan Officers will take the time to meet with you in person to understand your needs, and provide the best products and services available to make the transaction as simple as possible. There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Our Loan Officers are ready to assist you in finding the right product to fit your financial plans. Learn what to expect by reading these Home Purchase Basics and download your step-by-step guide to help make better choices along your path to owning a home. For added convenience, applying is simple using our online application linked below.

NMLS #554119

Financing Available

Fixed Rate Mortgages (Conventional, FHA, VA, USDA)

A fixed-rate mortgage is a home loan that comes with a consistent interest rate for the entire duration of the loan. This means that the interest rate remains unchanged throughout the life of the mortgage, and as a result, the borrower's monthly payments for both interest and principal remain constant over time.

Hybrid Adjustable Rate Programs

Hybrid adjustable rate mortgages, also known as Hybrid ARMs, are a type of mortgage that offers a fixed interest rate for a predetermined period, after which the rate adjusts periodically, influenced by changes in a market index.

Construction Loans

A COST-EFFECTIVE AND CONVENIENT WAY TO BUILD YOUR HOME
With our single-close construction loan, you can finance the interim construction costs and permanent mortgage of your new home build with one loan. We provide the convenience of qualifying once, reduced closing costs, locked in interest rate, and one set of closing documents.

Lot Financing

A LOAN THAT HELPS YOU LAND SOME LAND.
Our Lot Loan Program is designed to provide short-term financing, so you can purchase land where you intend to build a home.

Jumbo Loans

Our Jumbo Loans are the key to unlocking the doors of luxury real estate. Whether you're eyeing a sprawling estate or a penthouse with breathtaking views, our Jumbo Loans make it all possible.

Second Homes

Looking to purchase a second home? Whether you desire a beachfront oasis, a mountain cabin, or a charming urban getaway, we provide the keys to a second home that suits your unique lifestyle. Our tailored solutions will help you secure that special place to call your own.

Home Equity / Bridge Loans

PUT THE EQUITY IN YOUR HOME TO WORK FOR YOU.
A HELOC (Home Equity Line of Credit) can be used to pay for home renovations, home improvements, unexpected emergencies, and much more. Homeowners can also use a HELOC to bridge the transition from one home to another.

Down Payment Assistance Programs

We're here to help! Our Down Payment Assistance Programs are specifically designed to assist qualified individuals and families in achieving their goal of becoming homeowners. If you would like to learn more about down payment assistance options, contact one of our knowledgeable Mortgage Loan Officers today. Allow us to assist you in transforming your dreams of homeownership into a reality.

Click here to learn more about LEAP (Lenders Equity Assistance Program). Only available from Merchants Bank.