Meritrust Home Loans

MEET OUR LOAN OFFICERS

Got questions? Let us demystify the the home loan process for you. We have the answers.

Meet The Team

FLEXIBLE LOAN OPTIONS

We have home loan options to meet your wants and needs. We will tailor our products to fit your unique situation.

Get Today's Rate

VISIT OUR HOME LOAN CENTER

On your path to homeownership, Meritrust is with you every step of the way.

Get Started

Programs for first-time homebuyers

Are you a first time homebuyer?

Let Meritrust help! Our Home Loans team offers 3 programs specifically designed for first-time homebuyers like you. These programs are especially beneficial if you:

Don't have a high credit level.
Want to purchase single-family style home.
Need a low downpayment.

Homeownership is possible and you deserve to have someone in your corner to get you in the home of your dreams. Meritrust's Home Loans team is ready to serve you today!

Learn More

Make it yours WITH A MERITRUST PRE-APPROVAL

Find the home that's right for you

We are here to help you get into your new home, sweet home, so you can begin making memories just the way you've always wanted. With our pre-approval process, our home loan experts will help determine how much money you can borrow and which of our home loan options is best for you and your unique wants and needs.

The pre-approval process will help answer these questions:

How much can I afford?
What price range should I be considering?
What will my payments be?
What type of loan is best for me?
What are the down payment and closing costs?
What is the interest rate I qualify for?
What are my next steps?

How long does this process take?

Depending on the circumstances, many times we can have your pre-approval letter within an hour. On occasion we may need additional documentation and, therefore, it could take a couple of days. For the quickest process, be sure to provide documentation during the application process.

The pre-approval process

Submit your pre-approval application online.
One of our home loan experts will review your application and, with your help, determine the best loan program for your specific situation.
What happens once you're preapproved? That's your ticket to start shopping for your dream home.
We'll guide you every step of the way.

Begin your preapproval app

Refinance

Is refinancing right for you?

With the changing property values, now may be a good time to consider refinancing your current home loan. You have worked hard to gain equity in your home, so it might be time to let that equity work for you by consolidating debt or doing a home improvement project.

What are common reasons borrowers refinance their homes?