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
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
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
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
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
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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