From pre-approval to move in day, our mortgage team is here to provide exceptional service and the expertise that can make a difference in today's tight housing market. We offer:
- Mortgage Loans – to fund the purchase of your first, next or vacation home.
- 5% Down Construction or Home Improvement Loans – to build the home of your dreams or renovate your current home.
Our customers tell us that we make the loan process easy. Find out why - start your home buying or building journey with your community bank.
Use this simple mortgage calculator to get a quick estimate on potential monthly payments.
Current mortgage rates are listed in the table below. If you're interested in rates for a construction or home improvement loan, please reach out to a lender.
What it's like to work with Merchants Bank:
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My lender, Shelly, was clear and precise about what she needed from me as we went through the loan approval process. Once I provided all the information, everything worked like a well-oiled machine. She did all the heavy lifting! -
We always wanted to own rental property for passive income. With our mortgage lender's help and guidance, we were able to realize that dream and purchase a duplex.
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My lender made communicating easy. She was responsive, friendly, direct and was able to work around my nontraditional schedule. The loan process was worry-free.
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Buying a home can feel really intimidating. My lender put me at ease throughout the process with her straightforward, clear communication. I have a unique employment situation, and my lender was diligent in making sure all the details were covered when it came to submitting my mortgage application.
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I really like how Merchants continues to service my mortgage after closing. That means I can call and talk to a real person or stop in at the branch if I have any questions or want to make a payment in person. It’s so nice!
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Dawn, my mortgage lender, knows what is happening real-time in the local market, which is definitely an advantage when housing competition is tight.
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Loans subject to credit approval