Merit Lending is a family owned mortgage brokerage located in Las Vegas, NV. Kelly Graham, owner and founder, has been in the industry for 25+ years here in southern Nevada. We serve clients in Nevada, California, Utah, Texas, and Florida. As a mortgage brokerage, not only can we shop lenders to get you the best rates, but we have access to loan programs not found at banks. This means we can get you into your own home by offering financing options few know about, including self-employed options and zero-down programs with no income caps.