Securing a loan can be a pivotal moment in achieving your financial goals, whether it's buying a home, starting a business, or covering unexpected expenses. At Mercantile Private Wealth, we offer a range of loan products designed to meet your unique needs. Our loan application process is transparent and efficient, providing you with quick access to funds. We offer competitive interest rates and flexible repayment terms, ensuring that our loan solutions are tailored to your financial situation. Our experienced loan advisors are here to guide you through the process, providing expert advice and support every step of the way.

Home Purchase Loans

Our home purchase loans are designed to make buying your dream home a reality:

• Fixed-Rate Mortgages: Enjoy the stability of fixed monthly payments and protection from interest rate increases. Our fixed-rate mortgages come with competitive rates and flexible terms.
• Adjustable-Rate Mortgages (ARMs): Benefit from lower initial rates with our ARMs. These mortgages offer adjustable rates that can change over time, potentially saving you money in the early years of your loan.
• Jumbo Loans: For those looking to finance higher-priced properties, our jumbo loans offer competitive rates and terms for larger loan amounts.

Refinancing

Refinancing your mortgage can help you lower your monthly payments, access your home’s equity, or shorten your loan term. Here’s what we offer:

• Rate-and-Term Refinance: Lower your interest rate or change the term of your loan to reduce your monthly payments or pay off your mortgage faster.
• Cash-Out Refinance: Access your home’s equity by refinancing for more than you owe on your current mortgage. Use the extra cash for home improvements, debt consolidation, or other financial needs.
• Streamline Refinance: Enjoy a simplified refinancing process with fewer requirements. Streamline refinances are available for eligible homeowners looking to reduce their interest rates without extensive paperwork.

How We Assist

Our mortgage advisors are here to guide you through the entire process, from pre-qualification to closing. Here’s how we help:

• Pre-Qualification: Start your homebuying journey by getting pre-qualified. This step helps you understand how much you can afford and shows sellers that you’re a serious buyer.
• Personalized Consultations: We take the time to understand your unique needs and financial situation, providing tailored advice and recommendations.
• Smooth Closing Process: Our team works diligently to ensure a smooth closing process, coordinating with all parties involved to make sure everything goes as planned.