Happy New Year! Strong Starts, Stable Rates & VA Construction Opportunities

Happy New Year!

As we head into 2026, I want to start by saying thank you to everyone who trusted me with their mortgage in 2025 or prior years. 2025 was a great year — we helped over 60 borrowers, including 19 new construction home loans, and I’m incredibly grateful for the relationships built along the way. We offer nearly every type of home loan product for our customers.

✅ Conventional (Primary Residence, Second Homes, Investment Properties (DSCR), Refinances)
✅ FHA (Primary Residence; Streamline Refinance)
✅ USDA (Primary Residence; Streamline Refinance)
✅ VA (Primary Residence, IRRRL (streamline refinance), VA OTC Construction)
✅ HELOC (On all property types, even INVESTMENT)
 
For those who’ve been watching and waiting, 2026 may be your year. Interest rates have stabilized, which creates a strong opportunity to plan ahead for a spring purchase, refinance, or a new home build.
 
VA highlights to know:
• VA IRRRL refinances are currently happening in the low 5% range for eligible veterans 📉
• VA One-Time Close Construction Loans are still going strong — one loan, one closing, and 100% financing to build a custom home 🏠 If you own the land or you need to purchase, this loan is a must explore if you have eligibility. 
 
Merit Mortgage Group is licensed in these states:
📍CO, GA, CA, TX, OK, KS, PA, FL, VA, IA, ID (➡️ Utah coming soon!)
 

Whether you’re a past client, future client, or somewhere in between, I’m here to help you make smart moves in 2026.

Warm regards,
Alicia Medford

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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, KS, OK, PA, TX and VA

© 2023 Merit Mortgage Group LLC. All Rights Reserved.