Loan Programs
Find the Right Loan for You
Merit Mortgage Group is your one-stop shop for purchases and refinances. As a mortgage broker, we access over a dozen different lenders to search for the best programs and rates for your situation.
What We Offer
Types of Programs
Read through the different types of mortgages we offer, then click to learn more or get started.
Conventional
First-time home buyers may qualify for as little as 3% down. 8 to 30 year fixed-rate mortgages with no pre-payment penalties, plus no-appraisal options that could reduce or remove PMI completely.
Get Started →VA Loan
Qualified veterans, service members and military families receive favorable loan terms with as little as 0% down, flexibility on income requirements, and streamlined refinance options.
Learn More →FHA Loan
A flexible loan insured by the Federal Housing Administration, with low down payment requirements and added flexibility around credit and income. No-appraisal and no-income-documentation options through the FHA Streamline program.
Learn More →USDA Loan
Looking to buy a home with 0% down? The USDA loan is a great option to consider in rural and suburban areas. Income guidelines apply.
Learn More →Non-QM Loan
A non-qualifying mortgage offers flexibility on qualifying factors like income and credit score. A popular option for borrowers who are self-employed or need temporary financing for renovations or a bridge loan.
Get Started →VA One-Time Close Construction
Build your home with your VA benefit. Land and construction financed together in one loan with one closing, $0 down with full entitlement, and no mortgage payments while you build in most cases.
Learn More →HELOC
Put your home's equity to work with a home equity line of credit, without touching your current first mortgage. Use it for renovations, debt consolidation, or big expenses.
Learn More →Refinance Options
Lower your rate or payment, change your term, or tap into your home's equity. Ask us about streamlined refinance options for VA and FHA loans.
Get Started →Why Use a Broker
More Options, One Point of Contact
We shop for you
As a wholesale broker, we compare programs and rates across more than a dozen lenders to find the right fit for you.
We're easy to reach
You'll have a direct line to Alicia and Kara — real people who answer your questions quickly.
We advocate for you
We work directly with underwriters and lenders and stay in your corner from application to closing day.
Not Sure Which Loan Fits?
Tell us about your goals and we'll walk you through the options that make sense for you. It starts with a quick, free consultation.
Merit Mortgage Group LLC (NMLS #2460866) is a mortgage broker, not a lender. Loans are made by third-party lenders; all credit decisions, rates, terms, and fees are set by the lender. Program availability, down payment, and eligibility requirements vary by lender and borrower qualifications. This is not a commitment to lend or extend credit. View all disclaimers · NMLS Consumer Access
Merit Mortgage Group, LLC
1 Prestwick
Williamsburg, VA 23188
Phone: (757) 755-0206
Company NMLS #2460866
www.nmlsconsumeraccess.org
Licensed in
CA, CO, FL, GA, IA, ID, KS, OK, PA, SC, TX and VA
Equal Housing Opportunity
© 2026 Merit Mortgage Group LLC. All Rights Reserved.