Merced Mortgage Broker
Merced, California
Merced Mortgage Broker
Patron Mortgage helps Merced homebuyers and homeowners find the right loan — FHA, conventional, VA, ITIN, jumbo, and more. Available 7 days a week.
NMLS 1747739 · Licensed California Mortgage Broker · Serving Merced & Surrounding Areas · Available 7 Days a Week
Serving Merced
Mortgage Loans in Merced, CA
Merced is the seat of Merced County and home to UC Merced, the newest campus in the University of California system. With one of the most affordable housing markets in California, Merced attracts first-time buyers, university faculty and staff, and investors looking for strong rental demand driven by the growing student population.
Patron Mortgage helps Merced buyers navigate the home loan process from pre-approval to closing. Whether you're purchasing your first home, refinancing, or need an ITIN loan, our senior loan officer Randall Ortiz is available 7 days a week.
We work with a wide network of lenders to offer competitive rates and a broad range of loan programs — so you're never limited to just one option.
Why Merced Borrowers Choose Us
- Merced County market knowledge — local expertise
- Available 7 days a week, including evenings & weekends
- ITIN loan specialists for non-SSN borrowers
- Access to multiple lenders for competitive rates
- Free consultations with no obligation
- NMLS licensed — transparent and trustworthy
What We Offer
Loan Programs in Merced
FHA Loans
Low down payment options starting at 3.5% for qualified Merced homebuyers.
Conventional Loans
Competitive rates and flexible terms for buyers with strong credit profiles.
VA Loans
Zero down payment financing for eligible veterans and active-duty military.
ITIN Loans
Home purchase and refinance programs for borrowers with an ITIN instead of an SSN.
Jumbo Loans
Financing above conforming loan limits for higher-priced Merced properties.
Hard Money Loans
Fast approvals for Merced real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Merced home's equity for renovations, debt payoff, or other goals.
HELOC
Flexible home equity line of credit for Merced homeowners.
Common Questions
Merced Mortgage FAQs
Ready to Get Started in Merced?
Call us, email us, or request a free quote online. We're available 7 days a week — no obligation, no pressure.
NMLS 1747739 · Licensed in California