Merit Mortgage Group, LLC

Get to know us

Wholesale
Mortgage
Broker

Merit Mortgage Group is a wholesale mortgage provider in Williamsburg, VA. Our goal as a company is that every member of the team looks out for the best interest and experience of our clients. With backgrounds in sales and property management, we understand that integrity, combined with exceptional customer service, makes all the difference in business.

We know that the mortgage process invokes many emotions and can, at times, be stressful. Our hope is that, by offering competitive and transparent rates and pricing, we can provide our clients unparalleled support through every step of the process. Whether you’re a first-time homebuyer or a seasoned homeowner, we’ll deliver an exceptional level of education and information to help you make the best decision for you and/or your family.

What We offer

Refinance
& Purchase

Merit Mortgage group is your one-stop shop for refinances and purchases. As a mortgage broker, we are able to access over a dozen different lenders to search for the best programs and rates to ensure a successful loan process. As the broker, we obtain your mortgage application and then serve as the liaison between you and the lender for your mortgage needs. We have direct access to underwriters and lenders to ask questions all while advocating for you from start to finish. As a “wholesale broker,” we are shopping your specific loan against lenders to make sure we can get you the rate that meets your needs, minimizing closing costs and closing your loan in a timely manner.

We utilize safe and secure cloud-based loan origination software, and provide total cost analyses for loan comparisons specific to your financial situation. For your convenience, all refinance and purchase documents can be digitally signed up until the closing day.

Types of Programs

Read through the different types of mortgages we offer and click “Get Started” to begin the application process.

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. No appraisal options that could reduce or remove PMI completely.

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 available.

USDA Loan

If you’re looking to buy a home with 0% down then you might consider the USDA loan. Income guidelines apply, but the USDA loan is a great option to consider in rural and suburban areas.

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. No appraisal options that could reduce or remove PMI completely.

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 available.

USDA Loan

If you’re looking to buy a home with 0% down then you might consider the USDA loan. Income guidelines apply, but the USDA loan is a great option to consider in rural and suburban areas.

FHA Loan

Flexible loan product insured by Federal Housing Administration. Low down payment requirements and added flexibility around credit and income requirements. No appraisal or income documentation options through FHA Streamline program.

FHA Loan

Non-QM Loan

A non-qualifying mortgage loan offers flexibility on qualifying factors like income and credit score. Non-QM loans are a popular option for borrowers who are self-employed, need temporary financing for renovations or a bridge loan.

Non-QM Loan

Meet Our Team

Alicia Medford

NMLS #1797551

Alicia Medford is the Broker-Owner of Merit Mortgage Group. After graduating from Christopher Newport University, Alicia worked in mortgage loss mitigation followed by working in the customer service/sales industry. In 2017, she came back to the mortgage industry and has not looked back since. With a goal of building her own business from the ground up, Alicia launched Merit Mortgage in January 2023. Alicia is passionate about serving her clients with kindness and integrity and equipping clients with the tools to become successful homeowners.

Mortgages aside, Alicia and her husband, Rob, have six boys who are active in nearly every sport, from swimming to soccer to tennis. Alicia loves to stay in shape by running/training, playing pickleball (where she is the co-lead for her HOA club), and coaching her kids in their various sports adventures. Alicia and her family love to vacation on the coast of North Carolina each summer, and you’ll learn quickly that Alicia is an avid Kansas Jayhawk basketball fan!

Kara Jumper

NMLS #2519932

Kara Jumper is a loan officer as well as Alicia’s assistant and a loan processor with Merit Mortgage Group. After graduating from Liberty University, Kara worked for seven years in property management. Alicia pursued Kara for nearly a year to get her to take the leap to the mortgage industry, and thankfully, in late 2019, Kara took a step of faith and was able to say “YES!” Kara’s attention to detail, task management, and diligence make her a key component of Merit Mortgage. Kara and Alicia work hand-in-hand throughout the loan process from application to closing, ensuring you’re well taken care of throughout the journey.

Kara and her husband, Ryan, have two children, Rosie and Jordan. Aside from working and keeping up with a toddler and newborn, Kara enjoys working out, rollercoasters, the beach, and cheering on the Indiana Hoosiers alongside her husband!

Reviews

Izak E.

Alicia and her team helped us every step of the way on the road to owning our first home. They were attentive, very communicative, and answered every question with professionalism and expertise. I highly suggest using Merit Mortgage Group as a Broker for anyone looking to help. They went above and beyond for us.

Ryan J.

Alicia was super helpful with the entire process of buying a home. Even when I ended up moving to a state that she didn’t work in, she still helped me connect with another agent and checked in along the way to make sure everything was good. I can highly recommend her to anyone looking to buy a home!

Teresa C.

Merit Mortgage was wonderful to work with. Alicia communicated with us through every step of the process for our refinance. It was so helpful to have a person to coordinate all the pieces like insurance, notary, and inspection. Their electronic system made the process easy to handle without interrupting our work days. Highly recommend!

Blake P.

Alicia at Merit Mortgage was amazing and I am thankful to have her as my lender! My husband and I were first time home buyers using the VA Loan. She navigated us through everything every step of the way. We started from the bottom with no idea where to even start and she was able to explain everything and make the process seem so easy! She got us the best rates and fast too. On top of all of that, she even showed up to our closing for support. I couldn’t have asked to work with anyone better.

Ricky F.

Alicia and her team did an amazing job taking care of us! Everything was simple and easy. Every question I had (I had a lot of questions!) they answered everything and took their time walking us through everything. As a first time home buyer I really appreciated how well we were treated. I would most definitely recommend them to everyone, in fact I already have! I’ll be coming back for more business

Anita S.

Had a great experience with merit mortgage group throughout my first time home buying process! Alicia was incredibly helpful throughout the whole experience and was available whenever I had questions. They got everything completed very quickly and made the process fairly stress-free! Thank you Alicia!

Contact Us

Call Us
(757) 755-0206

Our Email
contactus@meritmortgagegroup.com

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Disclaimer: I agree to be contacted by Merit Mortgage Group LLC via call, email and text. To opt out, you can reply “stop” at any time or click the unsubscribe link in the emails. Message and data rates may apply. This is not a commitment to lend or extend credit. All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. Not all loans or products are available in all states or countries.