Julia is a rockstar. We reached out to her about 1 week before we were set to close and she got us a competitive quote within a few hours. She was extremely communicative, answered all of our questions very quickly, and helped ensure everyone was on the same page.
James K. & Kate P.
Real Estate Investors
I am a real estate investor that has completed more than 15 loan transactions as both a buyer and seller. However, I have always been hesitant to use a hard money lender despite knowing the benefits. In the past, I have primarily used traditional financing for my deals, but I found a great real estate opportunity that required hard money that I couldn't pass on. This particular property was not conventionally financeable due to the septic system failing and the property being in foreclosure. I spoke with over 20 different lenders and narrowed it down to three--one of which was Brandon and MMTC! I ended up closing on the purchase with Brandon since he responded right away, was not pushy, and gave me all the information that I needed to feel comfortable. Within the hour, he had collected all the documents that were required for a pre-approval so that I could submit the offer on the same day—which happened to be a Friday night. Brandon was very patient and supportive during the process! He explained all the details, options, and explained that there were no hidden fees. I want to reiterate how responsive Brandon was! He made himself available to me 24/7—even on the weekends! That was very important to me as I had initially been quite concerned about the hard money loan process. In summary, Brandon gained my full trust by guiding me throughout the entire process and helped me secure a great financing deal! He certainly looks after his client’s best interests and doesn’t just work with them to simply close the deal and move on. He is accountable, honest, professional, knowledgeable, caring and will go above and beyond to get their clients the best deal possible.
Real Estate Investor
Julia was instrumental in my success in my recent LA house flip, which was a massive rehab for an early investor. She believed in me and pushed it forward when few lenders did. She is an excellent ally for other new investors.
Nicole S.
Real Estate Investor
"Kim and her team are our "go-to" for financing fix & flip projects. Super responsive, always able to meet deadlines, and easy to work with! I highly recommend Merchants Mortgage & Trust and Kim Hubbard!
Caitlin C.
Real Estate Investor
I would highly recommend Julia Willetts for loans. As a new investor it can be intimidating trying to work with loan officers and deadlines for funding. Julia was both easy to work with, supportive and always available to assist with questions or concerns that invariably arise in this process. My deadlines for funding were met on time and with no issues! She will be my go to person for all of my future loan needs!
Ginny T.
Real Estate Investor, California
Over the years I've done more than 10 loans with Merchants. Their service and ability to respond is why I keep using them. Kim, Tracy and the whole team is easy to work with and always helpful.
Scott S.
Real Estate Investor - Denver, CO
Julia Willetts is one of the best lenders in the industry, I say this because her communication is on point. She is always available. I still don't know how she does it.
Jona M.
Real Estate Investor, California
It has been a pleasure working with Bo Seamands and Merchants Funding (MMTC’s office in Phoenix, Arizona) for the last 2 years. They are able to fund my deals very quickly (usually 2-3 days) with no stress or headache on my end which is a must!!! Bo is first class when it comes to customer service, he answers my phone calls no matter what, day or night, weekend or weekday. Merchants Funding is my go to fix-and-flip lender in Arizona!
Herb B.
Merchant's Mortgage is a great resource for real estate investors! They charge reasonable fees and are able to close loans quickly. The draw process is easily and usually completed within a week. I will definitely use Merchant again!
Ron W.
Real Estate Investor
Thank you to Kim and the MMTC team for being such a fantastic lender to work with! We appreciate how easy they made the process to close our loans quickly and without issue.
J. S.
Real Estate Investor
Merchant's has been a great partner for us over the years and has funding many fix and flip loans for us. There terms are generally much better than other short term lenders in the marketplace. They are always very responsive, and have been able to close quickly for us - many times in less than a week!
Lisa D.
Real Estate Investor
Susan and the team at Merchants do a great job. We closed two deals very quickly and with a minimum of fuss. Will definitely use again.
Real Estate Investor
I have always wanted to purchase an investment home to fix & flip. I had taken classes, researched financing but never felt confident enough to just go for it. Then I found Alexa at MMTC and I immediately felt like I could ask her anything. She was extremely patient and very knowledgeable. I must have called her daily for about a week straight, but she answered every call directly and made me feel like this was a true possibility. I decided to apply, and she had me approved within the same day. After my approval, I was having some issues locating my first investment property to purchase. Alexa was wonderful and referred me to an investment company and two days later, I purchased my first property! That was two weeks ago, and I am feeling extremely confident about the flipping process. If it weren’t for Alexa, I'd still be sitting around dreaming about how to make this happen. Thank you, Alexa!
Amy G.
Real Estate Investor
Merchants Mortgage has been a valuable resource to Better Neighborhoods LLC. Mark Steinbeck is available and responsive to our needs. Merchants recognizes that fast action is required to close transactions in this industry. We have done numerous transactions over the past few years and look forward to growing our relationship.
Jim M.
Real Estate Investor
Thank you Adam for your professionalism and dedicated work to get our loan closed! We couldn't have done it without you. We anticipate this to be one of many successful deals with Merchants Mortgage.
Kelin, Matt, & Bret
First There Properties, LLC
Kim, Tracy, and everyone at Merchants go out of their way to make closings happen! They have great loan products, are easy to communicate with, quick and reliable to close. When we had a hoop to jump on a recent closing, they truly went the extra mile to make sure the transaction happened successfully. We appreciate them very much!
Katie S.
Real Estate Investor
My business partner and I are repeat customers of Merchants Mortgage. We have been very happy with their competitive rates and customer service. Many traditional hard money lenders charge 15% or more and 5 point origination fees. Merchants is much more reasonable with rates as low as 8.75% and very reasonable fees. We highly recommend this company and will continue to do business with them ourselves.
Ian R.
Real Estate Investor
We originally were introduced to Merchants Funding in Phoenix by our broker because we needed a loan on a short sale that a conventional lender would not loan on. Merchants approved the loan and we bought this fixer, we sold it for a $40k net profit. We've now done 5 deals with Bo Seamands and we probably talk to him on a weekly basis. He's not just a source of money he's a member of our team. We give Merchants first right of refusal on all of our deals and we wouldn't shop them with another lender. We are loyal to them as they are loyal to us and I know they've done us favors that they only did because of the relationship. The team is professional and fast. They also just started doing ACH on payments which makes life much easier!!
Jerry R.
Real Estate Investor
Great service. They have always closed on time for me. I have done multiple loans with them.
Mallory K.
Real Estate Investor
Merchants Mortgage is an excellent private money lender with a variety of loan products for just about any investor. Fees and rates are well below the market for private money. Max is as good a loan officer as you will find - he's fast, responsive, and a straight shooter who will work hard to turn your vision into a reality. Would highly recommend Merchants to anyone looking for alternative funding for a real estate project.
Evan A.
Real Estate Investor
I wish I would have called Merchants Mortgage NW first! Initially, I assumed that an online lender would be cheaper. However, after 2 weeks and getting no response from the online lender, I had to quickly change plans. I called Adam at Merchants Mortgage NW with only 8 days left to close my fix-and-flip transaction. Adam started my loan process right away and by day 6, he was ready to close. The loan cost was the same, the paper work was a lot easier, it was speedy, and Adam was great about communicating. Everything was outstanding! Plus, Adam is so humble and has a great attitude. I will use him again for my next project.
Ron W.
Real Estate Investor
Merchants Mortgage has been an excellent resource for funding my flip projects in Denver. I have done over 5 properties using financing from Merchants Mortgage. Kim Hubbard and team have consistently provided great rates and great service, and a willingness to fit the financing package to my needs. I consider them to be de facto members of my team!
Paul D.
Real Estate Investor
"As a new investor I was skeptical I would find a lender willing to help fund my transaction quickly and without much hassle. Then along came Bob Thomas and MMTC. Not only did Bob provide one of the best 'DEALS' in the industry, he also removed all skeptism and fears around buying a property and financing a Fix 'n Flip. MMTC process is fast and friendly. Bob is very hands-on and removes obstacles as they appear. I have really enjoyed the experience and am looking forward to funding more of my projects with Bob and MMTC! It was also really cool meeting Kim Hubbard...what other mortgage company reaches out to meet investors personally? MMTC is tops in my book! 100% recommended. "
Tracy F.
Real Estate Investor
Kim and her underwriting team have been phenomenal in helping our business find its legs over these past couple of years. We have used Merchants Mortgage numerous times since the middle of 2020 and the consistency of their approach through the more recent changing market is much appreciated by my team and I. Their enthusiasm to get viable deals done, rather than putting road blocks in the way, is one of the many reasons we continue to choose a relationship with Kim Hubbard and Merchants Mortgage.
Randy B.
Real Estate Investor
“Julia took the time out of her busy day to answer all of my questions, and that gave us the confidence and comfort to work with her. We appreciate Merchants helping make our dreams come true!”
Jesse C.
Real Estate Investor, California
Adam Hartfeil is awesome! He worked really hard to get our loan for our second fix-and-flip funded on time. Adam is a great communicator. Merchants Mortgage also has a great draw system for the repair funds. It’s great!
Real Estate Investor, Oregon
Julia Willetts is a phenomenal Loan Officer! She consistently makes herself available to assist investors seeking loan options. I feel 100% comfortable referring my buyers to her because I know she will take great care of them. Julia communicates throughout the transaction and exceeds expectations. It's a pleasure working with her, I highly recommend.
Evette W.
"This is my go to hard money lender! My primary investment strategy is fix n flip single family and without MMTC, I would not have become a successful real estate investor! I highly recommend MMTC and Brandon Brooks as your point of contact!
Joshua W.
Real Estate Investor
Kim Hubbard and the Merchants Mortgage team has closed deals in 7 days for my clients. There are lots of companies that say they can close fast, but Kim and Merchants deliver.
Realtor, Denver
Merchants Mortgage was fantastic to work with! My loan was processed quickly and smoothly. My title agent said at closing that Merchants was one of the best lenders she has ever worked with. Kim and her team are truly professional. I look forward to working with them in the future.
Zach L.
Real Estate Investor - Fort Collins, Colorado
Merchants Mortgage has been an excellent source of funding for our real estate investments! Kim Hubbard has provided great rates, great service, and answers my texts or emails no matter what time, day or night. They are able to close loans quickly – many times in less than a week! I will definitely use Merchant’s again and would highly recommend them to anyone looking for funding for a real estate project.
Jeanne B.
Real Estate Investor
Merchant's Mortgage is a great resource for real estate investors! They charge reasonable fees and are able to close loans quickly. The draw process is easily and usually completed within a week. I will definitely use Merchant again!
Erin M.
Real Estate Investor
Excellent & flexible source for real estate investments! I have worked with Merchants with both clients and personally over the last 5 years, and they have always been professional and reliable to get deals done. I highly recommend Kim Hubbard and the Merchants Mortgage team!
Aaron H.
Real Estate Investor
I have personally used Merchants Mortgage on several occasions and have referred countless other clients to them over the past few years. Kim and Tracey have always been easy to work with and the loan parameters rival any others I have found in Denver's market. I would highly suggest to anyone looking for hard money or a quick close to use Merchants.
Michael G.
Real Estate Investor
I have financed three home rehabs with Merchants Mortgage and have been pleased with their responsiveness and competitive rates. I would recommend them to a personal friend and use their financing again.
John B.
Real Estate Investor

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