Home Loans

Purchase A Home As Big As Your Dreams

At Meritrust our lending experts will sit down with you and match one of our flexible mortgage programs to fit your budget and fit you into your dream house. Our mortgage loans are fast and easy, and we close on time. What’s not to like?

Mortgage Programs Built Around You

Meritrust offers Conventional mortgages with generous terms.

  • 30-year, 20-year, or 15-year terms.
  • Minimum down payment of 3%.
  • Down payments less than 20% require mortgage insurance.

Not every home or every budget is the same. That’s why we have different mortgage programs for different people. A friendly Meritrust rep can help you figure out which one will work best for your loan.

Our Portfolio program is meant for your primary residence, which can be a single family, twin home or condominium. It’s good for purchase, refinances and cash-out refinances.

  • Minimum down payment of 10%.

Our Jumbo Mortgage Loan program is for your primary residence which can be a single family home or condo.

  • You need a median credit score from all borrowers of at least 680.
  • Minimum down payment of 10%.

Land, Lots And Loans You Can Count On

What if you just want to purchase a plot of land or build your own custom home? Meritrust is happy to offer our members land, lots or acreage loans that will secure your plot. Here’s what we can do for you:

  • Flexible terms going up to 10 years.
  • Fixed rates (see our current rates here).
  • Your loan amount is not limited by a dollar amount (but it does have to be for 20 acres or less).
  • Qualify for a loan up to 80% of the unimproved property value.