Apply Now – Merit Lending

The Application Process

To apply for a home loan, you’ll need to select one of our loan officers as your primary contact.

Have any questions? Feel free to reach out to us at any time!

1

Collect the needed documents

For all applicants

Driver license
Most recent paystub for each applicant showing year-to-date income
W2s for all employers during the previous 2 tax years
Most recent two months of asset or bank statements to show funds for a purchase

For specific circumstances

If self-employed, provide business and personal tax returns (all pages) for previous 2 tax years
If retirement income is received, provide a pension statement
If social security income is received, provide a current year awards letter or 1099 from previous year
If refinancing, provide a recent mortgage statement
If other properties are owned and financed, provide a mortgage statement for each

2

Choose your loan officer

Not sure who you want as your loan officer? Take a look at our team, read their bios, and make a decision! You can’t go wrong.

3

Start your application

Either use the dropdown below or the links on any of the loan officers’ pages to start an application.

Not Ready to Apply?

Pre-qualifying may be a better option for you

If you only want to get a “rough idea” if you may qualify for a home loan, then select the “Pre-Qualify” button. With this option you simply answer some basic questions, only a soft-pull credit report is done under Experian, and no documentation is required.