People come to Merit Lending because we charge no origination points or fees.  In addition, our rates are typically lower than banks or other lenders, and our technology and process allows for your purchase or refinance to close in 30 days or less.  We invite you to call for a quote or apply on-line for a pre-qualification.


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…has the knowledge and experience…
“Merit lending is Superb!!! We did a quick 30 day close with Kelly! The process was super easy and fast! Kelly has the knowledge and experience and was able to guide us through the process step by step. He also always answers his phone and emails promptly. I would recommend Kelly and Merit Lending to anyone buying a home! THANK YOU KELLY!!!!!”
“Kelly Graham guided us through the loan process--start to finish. He was always a professional, but was friendly, cordial, and courteous. We had an unfortunate experience with another company prior and Kelly soothed over our ruffled feathers.THANK YOU KELLY!!!”
Home Mortgage
“Kelly made the process of buying our home very simple and stress free. He was great to explain everything along the way. He is honest and has so much integrity. Working with him was a pleasure. We are grateful that we were able to work with Kelly and his team and definitely recommend Kelly and Merit Lending to anyone buying a home who wants an honest, trustworthy and kind person in their corner.”
Home Mortgage
“Meeting with and having Kelly handle my home mortgage was most definitely the greatest business encounter I have ever had. This event has resulted in a future changing way of life for myself and my two adult children. I had previously gone through a bankruptcy and a short sale. Without Kelly I do not believe this would have happened as I had tried other avenues without success. He is without a doubt a terrific person both personally and professionally.”
Amazing!
“The process of refinancing was a scary thought at first. Kelly was honest and professional the entire time. He was the consummate professional and understood each of our concerns. He took his time with us and made sure were understood each step of the process. Thanks, Kelly. You are a rock star!”
Honesty + Integrity = Kelly
“This company is all about honesty, integrity and getting the best deal for their clients. Kelly helped my father-in-law in refinancing his home and he was very pleased on how it was processed from start to end. Kelly gave him constant updates during the process and really worked hard to get him the rates that will best fit his budget. But the best thing that stood out for him is how honest and courteous Kelly is in dealing with his clients which is rare nowadays. Such a nice guy who really knows what he's doing. Will definitely recommend him to everyone I know.”
Great Service
“I am always happy to review honest, friendly people and businesses. Kelly at Merit Lending is top-notch. He helped me understand my first refinance and was more than willing to answer any and all questions we had about the process. You can't go wrong by choosing him and Merit Lending to handle whatever you need as far as lending goes. Five stars.”
Kelly And Team Are Grrreat!
“I was referred to Kelly and team after having a very bad experience with another mortgage professional. Kelly was very quick to answer all of my questions and helped us close in under 30 days. I can't say enough good things about these guys, thank you! Highly Recommended!”
Kelly Rescued Our Purchase!
“Kelly swooped in, like a superhero, and saved my deal on a house I really wanted when it was falling apart because lenders of my first mortgage broker were changing the terms and trying to double the closing costs on me. Kelly’s personal relationship with different lenders was the difference. My family loves the house.”
Thank You Kelly
“We are thankful you for the service that you and the team provided to us. We are very pleased for meeting you...the only regret we have is not meeting you sooner in the purchase process.”
Kelly Is Honest And Easy To Work With
“Kelly made the loan process painless. He is honest, hard working and likes to help people - he is kind. He is not pushy, very calm and knowledgeable. Even though my credit was not the best, he was able to find a good rate for me. He and his loan processor are great to work with. We closed when they said we would. I would recommend Kelly to family and friends without hesitation. Thank you so much Kelly!!”
“We recently refinanced our home from an FHA to a conventional loan. We are very thankful for Kelly. Everything was quick and easy. The whole process only took 3 weeks. Kelly kept me updated everyday and was very helpful. Merit Lending w/ Kelly is the way to go.”
Very Happy!
“Kelly was great and worked extra-hard on my loan. I was denied at another bank, and then my realtor referred me to Kelly. He and his processor were able to take my same paperwork and get me approved for my new home. Highly recommend Kelly and his team!!”
Kelly Is Easy To Work With
“We recently refinanced our mortgage through Merit Lending and we are glad that we did. Kelly was able to get us a great rate for our loan, and was available to answer all of our questions during the process. Kelly is very easy to work with, honest, and professional. Closing was quick and painless. We highly recommend his services.”
Kelly Was Great To Work With!
“Closed on time; great rate with no lender fees!”
First Time Refinancing Went Great!
“It was a pleasure to work with Kelly. It was our first time refinancing and Kelly was great. He answered all our questions and was professional yet personable. We recommend Kelly to our friends and family. Thanks again Kelly.”
Highly Recommended
“I loved working with Kelly! He was amazing to work with. As a first-time home buyer I was anxious about the process and the possibility of not really understanding what I was getting into. Kelly and his staff walked me through the whole process explaining everything and making me feel at ease. Another amazing surprise was that Merit Lending covered my closing costs! I would highly recommend Merit Lending to everyone!”
Highly Recommend!!!
“I got the best rate with such a short time to close. Highly Recommend!!!”
Good Realtor Communication!
“It was a pleasure working with Kelly Graham, who was a true professional. As a listing agent he kept us informed throughout the whole process. We closed ahead of schedule and Kelly and his processor made this a great experience for all parties involved.”
Thanks For My Mom’s Loan!
“It was an absolute pleasure to work with Kelly Graham. He did everything possible to ensure that my mother's loan would be approved quickly. We were able to move into our on time and we are forever grateful...wonderful experience!”
Good Experience!
“Working with Kelly has been a great experience as he is dependable, kind, and honest. He comes highly recommended by me.”
Please use this form to refer someone to me who is buying a house, needs to look at a refinance or just has questions about a mortgage loan.


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