The Merit Difference


At Merit Financial we are able to differentiate ourselves from our competitors in a very simple way.  We combine our strengths as a company; a small but extremely knowledgeable and accessible staff, efficient in house underwriting and funding of our loans and longstanding investor relationships, with an unbeatable set of mortgage guidelines and consistently low rates and fees! 

Take a look at our guideline highlights and how they can benefit you!

Jumbo/Super Jumbo specialists 
No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
No rate adjustment on most programs to $1,500,000 
No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
No Junk Fees 
Free consultations and pre-approvals for purchases...
No application, processing or lock in fee
Second homes treated like primary residences
Minimum 20% down
No rate or loan to value adjustments from primary home guidelines              
No Income verification loans still available 
Maximum loan amount $1,000,000 
No self employment requirement 
Second homes eligible
Cash out allowed
No rate adjustments for loan purpose, residency status, credit score 
Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
No rate adjustments based on credit score, so long as minimum score is met your rate is set
Primary or secondary homes have the same rates!
Condominiums
Don't have to worry about 'approved project' lists
Only .125% adjustment to the rates
No guideline restrictions for county, hi-rise or low-rise
Non fannie mae approved projects may be accepted
Title
Hold title in LLC without any adjustments to programs/rates
Jumbo/Super Jumbo specialists 
No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
No rate adjustment on most programs to $1,500,000 
No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
No Junk Fees 
Free consultations and pre-approvals for purchases...
No application, processing or lock in fee
Second homes treated like primary residences
Minimum 20% down
No rate or loan to value adjustments from primary home guidelines              
No Income verification loans still available 
Maximum loan amount $1,000,000 
No self employment requirement 
Second homes eligible
Cash out allowed
No rate adjustments for loan purpose, residency status, credit score 
Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
No rate adjustments based on credit score, so long as minimum score is met your rate is set
Primary or secondary homes have the same rates!
Condominiums
Don't have to worry about 'approved project' lists
Only .125% adjustment to the rates
No guideline restrictions for county, hi-rise or low-rise
Non fannie mae approved projects may be accepted
Title
Hold title in LLC without any adjustments to programs/rates
• Jumbo/Super Jumbo specialists 
• No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
• No rate adjustment on most programs to $1,500,000 
• No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
• No Junk Fees 
• Free consultations and pre-approvals for purchases...
• No application, processing or lock in fee
• Second homes treated like primary residences
• Minimum 20% down
• No rate or loan to value adjustments from primary home guidelines              
• No Income verification loans still available 
• Maximum loan amount $1,000,000 
• No self employment requirement 
• Second homes eligible
• Cash out allowed
• No rate adjustments for loan purpose, residency status, credit score 
• Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
• Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
• No rate adjustments based on credit score, so long as minimum score is met your rate is set
• Primary or secondary homes have the same rates!
• Condominiums
• Don’t have to worry about ‘approved project’ lists
• Only .125% adjustment to the rates
• No guideline restrictions for county, hi-rise or low-rise
• Non fannie mae approved projects may be accepted
• Title
• Hold title in LLC without any adjustments to programs/rates
• Jumbo/Super Jumbo specialists 
• No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
• No rate adjustment on most programs to $1,500,000 
• No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
• No Junk Fees 
• Free consultations and pre-approvals for purchases...
• No application, processing or lock in fee
• Second homes treated like primary residences
• Minimum 20% down
• No rate or loan to value adjustments from primary home guidelines              
• No Income verification loans still available 
• Maximum loan amount $1,000,000 
• No self employment requirement 
• Second homes eligible
• Cash out allowed
• No rate adjustments for loan purpose, residency status, credit score 
• Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
• Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
• No rate adjustments based on credit score, so long as minimum score is met your rate is set
• Primary or secondary homes have the same rates!
• Condominiums
• Don’t have to worry about ‘approved project’ lists
• Only .125% adjustment to the rates
• No guideline restrictions for county, hi-rise or low-rise
• Non fannie mae approved projects may be accepted
• Title
• Hold title in LLC without any adjustments to programs/rates
• Jumbo/Super Jumbo specialists 
• No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
• No rate adjustment on most programs to $1,500,000 
• No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
• No Junk Fees 
• Free consultations and pre-approvals for purchases...
• No application, processing or lock in fee
• Second homes treated like primary residences
• Minimum 20% down
• No rate or loan to value adjustments from primary home guidelines              
• No Income verification loans still available 
• Maximum loan amount $1,000,000 
• No self employment requirement 
• Second homes eligible
• Cash out allowed
• No rate adjustments for loan purpose, residency status, credit score 
• Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
• Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
• No rate adjustments based on credit score, so long as minimum score is met your rate is set
• Primary or secondary homes have the same rates!
• Condominiums
• Don’t have to worry about ‘approved project’ lists
• Only .125% adjustment to the rates
• No guideline restrictions for county, hi-rise or low-rise
• Non fannie mae approved projects may be accepted
• Title
• Hold title in LLC without any adjustments to programs/rates
• Jumbo/Super Jumbo specialists 
• No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!
• No rate adjustment on most programs to $1,500,000 
• No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 
• No Junk Fees 
• Free consultations and pre-approvals for purchases...
• No application, processing or lock in fee
• Second homes treated like primary residences
• Minimum 20% down
• No rate or loan to value adjustments from primary home guidelines              
• No Income verification loans still available 
• Maximum loan amount $1,000,000 
• No self employment requirement 
• Second homes eligible
• Cash out allowed
• No rate adjustments for loan purpose, residency status, credit score 
• Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 
• Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 
• No rate adjustments based on credit score, so long as minimum score is met your rate is set
• Primary or secondary homes have the same rates!
• Condominiums
• Don’t have to worry about ‘approved project’ lists
• Only .125% adjustment to the rates
• No guideline restrictions for county, hi-rise or low-rise
• Non fannie mae approved projects may be accepted
• Title
• Hold title in LLC without any adjustments to programs/rates

Jumbo/Super Jumbo specialists 

• No conforming loan amount limitations – avoid having to pay down your balance at closing to meet Fannie Mae limits!

• No rate adjustment on most programs to $1,500,000 

• No county loan limitations – Get jumbo loans with great rates in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem and Warren counties 

No Junk Fees 

• Free consultations and pre-approvals for purchases...

• No application, processing or lock in fee


Second homes treated like primary residences

• Minimum 20% down

• No rate or loan to value adjustments from primary home guidelines              


No Income verification loans still available
 

• Maximum loan amount $1,000,000 

• No self employment requirement 

• Second homes eligible

• Cash out allowed


No rate adjustments for loan purpose, residency status, credit score
 

• Cash out – no rate adjustment if you are cashing out for investment, debt consolidation or any other reason 

• Mortgage consolidation – If you have taken a HELOC after the purchase of your home and are looking to consolidate them, Fannie Mae treats this as cash out, WE DON’T! 

• No rate adjustments based on credit score, so long as minimum score is met your rate is set

• Primary or secondary homes have the same rates!


Condominiums

• Don’t have to worry about ‘approved project’ lists

• No guideline restrictions for county, hi-rise or low-rise

• Non fannie mae approved projects may be accepted


Title

• Hold title in LLC without any adjustments to programs/rates



 

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Its nice, for a change, to deal with decent, helpful people. At the risk of being repetitive, my wife and I cannot express our appreciation enough for you getting this done.


Mark

Call us at 1-973-331-5600