Are you still renting? What are you waiting for? Interest rates are going up! These low home prices won't be here forever! Call today to enroll in our buyready program!

Just a Few Reasons to Call Us Right Now.

  • VA Loan Closings in 21 Days
  • VA Fixed Rates Starting at 3.65% APR
  • VA Jumbo Fixed Rates 3.75% APR
  • VA Streamline Refi - 3.75% APR      
  • VA Zero Down to $987,500
  • Commercial Refinancing Starting at 4%
  • USDA B&I
  • Winery Financing Available
  • SBA Loans 7(a) and 504
  • Apartments, Hotels and Assisted Living


Hear what our customers have to say.

"When we first contacted Merchants back in December, we thought they would tell us what every other bank had told us, which was to go fix our credit and call back when it was done. Instead, Monica welcomed us in to their buy ready program and showed us how to get from a credit score of 544 to 632.

Here we are 3 months later closing on our first home and we couldn't be more thrilled! They gave us weekly and sometimes daily guidance on what to do and our family is so grateful. Thank you Monica and Merchants Home Loan!"

- Lynn S. 03/10/2010