Tailored to Your Needs

At Merit Capital Mortgage, we provide a diverse selection of loan options designed to address the needs of modern homebuyers and homeowners. Whether buying your first home, upgrading, refinancing, or tapping into your equity, we’re committed to helping you discover the ideal solution.

As a Mortgage Broker, we can access competitive programs from various lenders, offering increased flexibility, enhanced rates, and a tailored experience from beginning to end.

Our loan options include:

• Conventional Loans – A mortgage not insured or guaranteed by the federal government, typically conforming to the guidelines set by Fannie Mae and Freddie Mac.

• FHA Loans – A government-backed mortgage insured by the Federal Housing Administration, designed to make homeownership more accessible—especially for first-time buyers or those with less-than-perfect credit.

• VA Loans – Offer exclusive benefits for eligible veterans, active-duty service members, and military families.

• Jumbo Loans – For high-value home purchases that exceed conventional loan limits.

• Non-QM Loans – Alternative financing options for self-employed borrowers or those with unique income situations.

• Home Equity Lines of Credit (HELOCs) – Flexible, revolving credit based on your home’s equity.

• Home Equity Loans – Fixed-rate loans allowing you to access a lump sum from your home’s equity.

Whatever your goals, we will help you understand your options and customize a loan solution that aligns with your financial plan.