Local Mortgage Options 

At Merchants Bank, we make mortgages simple. If you are buying a home or looking to refinance, our experienced lenders provide helpful, personal service.

  • Free pre-qualification
  • Competitive fixed and adjustable rate options
  • Our unique bi-weekly mortgage

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Home Equity Lines & Loans

Getting the money you need – whether it's for home improvements, college tuition or emergencies – is quick and convenient with our Home Equity Loans and Lines of Credit.

  • Fixed- and variable-rate options 
  • A streamlined application process
  • Possible tax-deductible interest
  • Primary mortgage can be with another bank

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With today’s low interest rate environment, now is a great time to consider refinancing.

  • Lower your monthly payment
  • Reduce your interest rate
  • Payoff your mortgage sooner
  • Capitalize on the equity in your home 

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Low-and-no-down payment

Merchants Bank has expanded our loan offerings, to offer competitive NEW low-and-no-down payment options. 

  • Low down payment options - Federal Housing Administration (FHA) Loan
  • Low-and-no-down payment options - Veterans Affairs (VA) Loans
  • Loans up to 100 % financing - Rural Housing Development (RD) Loan

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Thinking about purchasing a new home? Speak with an experience lender on our local mortgage team. They can help with:  

  • New construction loan
  • Jumbo loans
  • Competitive fixed and adjustable rate mortgages
  • Land loans
  • Seasonal properties
  • FHA, VA  and RD loans

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Free Pre-qualification & Rate lock

Lock in the current interest rate for 60 days, free of charge - at any time from when your first submit your application to when your closing date is set. 

  • If your rate is locked, and rates are higher when your closing rate is set, we will honor your lower locked-in rate.
  • If rates are lower when your closing rate is set, you will receive the lower rate.
  • If your rate is not locked, you will receive the rate in affect at the time. 

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