HOME LOANS
BE PURCHASE READY WITH A PRE-APPROVAL FROM MERITRUST.
Flexible loan options to meet your individual needs.
MEET OUR LOAN OFFICERS
Got questions? Let us demystify the the home loan process for you. We have the answers.
FLEXIBLE LOAN OPTIONS
We have home loan options to meet your wants and needs. We will tailor our products to fit your unique situation.
VISIT OUR HOME LOAN CENTER
On your path to homeownership, Meritrust is with you every step of the way.
Programs for first-time homebuyers
Are you a first time homebuyer?
Let Meritrust help! Our Home Loans team offers 3 programs specifically designed for first-time homebuyers like you. These programs are especially beneficial if you:
- Don't have a high credit level.
- Want to purchase single-family style home.
- Need a low downpayment.
Homeownership is possible and you deserve to have someone in your corner to get you in the home of your dreams. Meritrust's Home Loans team is ready to serve you today!
Make it yours WITH A MERITRUST PRE-APPROVAL
Find the home that's right for you
We are here to help you get into your new home, sweet home, so you can begin making memories just the way you've always wanted. With our pre-approval process, our home loan experts will help determine how much money you can borrow and which of our home loan options is best for you and your unique wants and needs.
The pre-approval process will help answer these questions:
- How much can I afford?
- What price range should I be considering?
- What will my payments be?
- What type of loan is best for me?
- What are the down payment and closing costs?
- What is the interest rate I qualify for?
- What are my next steps?
How long does this process take?
Depending on the circumstances, many times we can have your pre-approval letter within an hour. On occasion we may need additional documentation and, therefore, it could take a couple of days. For the quickest process, be sure to provide documentation during the application process.
The pre-approval process
- Submit your pre-approval application online.
- One of our home loan experts will review your application and, with your help, determine the best loan program for your specific situation.
- What happens once you're preapproved? That's your ticket to start shopping for your dream home.
- We'll guide you every step of the way.
Refinance
Is refinancing right for you?
With the changing property values, now may be a good time to consider refinancing your current home loan. You have worked hard to gain equity in your home, so it might be time to let that equity work for you by consolidating debt or doing a home improvement project.
What are common reasons borrowers refinance their homes?
- Lower payments
- Shorten term to pay off earlier
- Cash-out equity
Testimonials
Contact Us
Connect With Us
Fill out the form to stay connected with Meritrust Home Loans team and general questions.
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Ready to get moving?
Apply online, visit your local Meritrust or give one of our local mortgage specialists a call today at 316.558.5005.
*The information provided is for the purchase of an owner occupied single-family residence with a loan amount of $210,000 and valued at $350,000. The property is located in Wichita, KS and is within Sedgwick county. The assumed credit score is 760. The payments would be: 359 payments of $1,225.50 and 1 final payment of $1,228.33. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s).
