Mortgages

Service of Value

Mortgages

Buying a home is one of the most significant investments you'll make, and Mercantile Private Wealth is here to help you navigate the mortgage process. We offer a variety of mortgage products with competitive rates and flexible terms to meet your home financing needs.

Fixed-Rate Mortgages

Our fixed-rate mortgages provide stability and predictability with interest rates that remain constant throughout the loan term. This type of mortgage is ideal for those who plan to stay in their home for many years and want the assurance of consistent monthly payments.

Adjustable-Rate Mortgages

For those who may benefit from lower initial interest rates, our adjustable-rate mortgages (ARMs) offer a flexible option. ARMs typically start with lower rates that adjust periodically based on market conditions. This can be a suitable choice for homeowners who plan to move or refinance before the rate adjustment period.

Government-Backed Loans

We offer a range of government-backed loans, including FHA, VA, and USDA loans. These loans provide various benefits, such as lower down payment requirements and more flexible credit criteria. Our mortgage specialists can help you determine if you qualify for these programs and guide you through the application process.

Refinancing Options

If you already own a home, refinancing your mortgage can help you take advantage of lower interest rates, reduce your monthly payments, or access home equity. We offer various refinancing options to suit your needs, whether you're looking to shorten your loan term or consolidate debt.

Mortgage Application Process

Our mortgage application process is designed to be straightforward and transparent. Start by completing our secure online application, and our team will review your information promptly. We provide personalized support throughout the process, from pre-approval to closing, ensuring you understand each step and have the information you need to make informed decisions.