Merchants Home Lending

Merchants Home Lending, established in 1992, operates as a licensed mortgage broker with over three decades of experience in the home financing sector. Distinguishing itself through independence from any single bank or lender, the company leverages its network of multiple wholesale mortgage lenders to provide clients with a broader range of VA home loan options, often resulting in more competitive rates and streamlined processes. Their business is predominantly focused on serving veterans and active-duty service members, with VA loans constituting 90% of their total business volume.

The company prides itself on a transparent and efficient lending approach, offering features like rate alerts, custom rate quotes with no impact on credit, and a commitment to closing loans quickly, often within 14 days. Merchants Home Lending emphasizes pre-underwriting loans to ensure a "Yes Means Yes" promise, providing borrowers with confidence before making offers. They also highlight their low fees and transparent rate structures as core advantages for their clientele.

Beyond their core lending services, Merchants Home Lending is actively involved in community outreach, particularly supporting active military families and local Wounded Warriors programs. This commitment is exemplified through their long-standing sponsorship of events like the San Diego Veterans Tennis Classic. With a strong presence in multiple states, they aim to provide veterans across the nation with accessible, low-cost VA mortgage solutions.