Apply for a Loan

Are you looking for fast funding for your real estate investment project? Follow the steps below to begin the application process! 

Complete the Application

This application will provide us with authorization to pull your credit report. 

Provide the Following Documents

Here you can upload your documents by clicking on the “Upload Your Documents” button below and selecting your loan officer. You may also use Dropbox, email, fax, or another delivery method of your choice. You may submit a “pre-approval” request prior to having a contract on a property. Documents that may be required are as follows:

  • Copies of drivers’ license for all borrowers or co-borrowers on the application
  • Most Recent Pay Stub for Salaried Applicants (if applicable)
  • Most Recent Checking, Savings, Mutual Funds, Stocks, Bonds, Certificates of Deposit, 401k, IRA Statements, as Applicable

Approvals are valid for 60 days. If you have not found a property within 60 days, you may contact us so that we can update and resubmit the approval request. Once you have an executed contract on a property, we will need you to send us the contract and your itemized repair budget and questionnaire, using our form, which can be found on this site. If any other documents are needed at that time, we will let you know.

Once Under Contract

When you have a property under contract, you will need to complete the budget itemization and questionnaire to establish the amount of repairs to be completed to the property. We will need to review and approve the budget and it will be used by our approved appraiser when establishing the “after repair value” appraisal.

Have an administrative question?

FOR PAYOFFS: payoffs@merchantsmtg.com

FOR BILLING QUESTIONS: billing@merchantsmtg.com

FOR REPAIR DRAWS: draws@merchantsmtg.com

FOR AUTOMATIC DRAFT PAYMENTS (ACH): ach@merchantsmtg.com

FOR VERIFICATION OF MORTGAGE: vom@merchantsmtg.com