About Merchants Home Lending

Overview

Merchants Realty & Loan Corp is a mortgage company operating under several trade names including Merchants Home Lending and Merchants Home Loans. They offer a range of mortgage services primarily focusing on VA loans in states like California and Texas. According to their website, they emphasize fast processing times, low rates, and $0 down options for homebuyers, particularly veterans.

Based in San Diego, California, Merchants Realty & Loan Corp provides services to homebuyers looking to purchase or refinance their homes. Their expertise in VA loans is highlighted as a significant part of their business operations.

Business Type

Merchants Realty & Loan Corp is registered as a corporation. They operate as a mortgage broker, which allows them to shop multiple wholesale mortgage lenders on behalf of their clients, providing access to a variety of home loan options.

Website & Branding

Merchants Realty & Loan Corp operates under several trade names including Merchants Home Lending and Merchants Home Loans. Their website can be accessed at www.merchantshomelending.com, where they present themselves as a trusted VA lender.

Headquarters

The primary address for Merchants Realty & Loan Corp is 2305 Historic Decatur Road Ste 100, San Diego, CA 92106. The company was formed in California, United States.

Years in Operation

Merchants Realty & Loan Corp was founded in 2010, which means they have been in operation for 16 years as of 2026.

Loan Types

Merchants Realty & Loan Corp offers a variety of loan products, with a focus on VA loans. They also provide construction loans, catering to both purchase and refinance needs.

Licensing Footprint

Merchants Realty & Loan Corp is licensed to operate in five states: California, Florida, Texas, Virginia, and the District of Columbia. This information is based on their company website.

Scale

The company has 7 branches located across California, Florida, and Texas, indicating a moderate geographic presence in these states.

Reputation

According to the Better Business Bureau, Merchants Realty & Loan Corp has an A+ rating but is not accredited. No notable industry awards or additional recognition were identified for this lender at this time.

NMLS ID

The NMLS company ID for Merchants Realty & Loan Corp is 283279. Readers can verify the company's license status at the NMLS Consumer Access website.

Disclaimer

This profile is for informational purposes only. The NMLS ID for Merchants Realty & Loan Corp is 283279. Licensing information is subject to change, and readers should verify details directly with the lender or at the NMLS Consumer Access website.

NMLS #283279 — Verify on NMLS Consumer Access — Profile last updated: April 4, 2026