Roseville's Trusted Mortgage Partner

Your home.
Your terms.
Done right.

No pressure. No surprises. Just clear guidance through every step of your mortgage journey — from first consultation to closing day and beyond.

Start Your Loan Explore Services
Beautiful modern home exterior in Roseville neighborhood

Ready to make it yours?

Let's find the right loan for your situation.

30+ Years

Combined Experience

Fast Closings

Often in 21 days

Licensed & Insured

DRE #00000000

What We Offer

Mortgage solutions built around your life

Whether you're buying your first home, refinancing, or investing — we tailor every loan to fit your goals and budget.

Purchase Loans

First-time buyer or seasoned investor — we find the right program for your situation, from conventional to FHA, VA, and jumbo loans.

Learn more

Refinance

Lower your rate, cash out equity, or shorten your term. We run the numbers so you see exactly how much you save.

Learn more

Jumbo Loans

Conforming limits don't work for every home. We offer competitive jumbo loan programs for luxury and non-conforming properties.

Learn more

VA & Military Loans

You served — we honor that with zero-down options, competitive rates, and a streamlined process for veterans and active-duty service members.

Learn more

Down Payment Assistance

California offers programs that can help with your down payment and closing costs. We'll identify which ones you qualify for.

Learn more

Not Sure Where to Start?

Book a free 15-minute consultation. We'll review your goals, answer your questions, and map out a clear path forward — no obligation.

Schedule a Call
Merrill Home Loans team meeting with a client

Local & Personal

Roseville-based since day one

About Us

A different kind of lending experience

Merrill Home Loans was founded on a simple belief: getting a mortgage shouldn't feel like a gamble. Too many people walk into a lender's office feeling overwhelmed and underinformed. We do things differently.

Based right here in Roseville, we take the time to understand your financial picture — not just run a credit score. That means honest conversations about what you can afford, which programs fit your situation, and exactly what to expect at closing.

100%

Transparent about fees and costs — always

Local

We know the Roseville market inside and out

How It Works

From application to closing

Four straightforward steps. No black boxes, no hidden delays — just clear communication at every stage.

1

Consultation

Tell us about your goals. We'll review your situation and explain your options — no pressure, no fine print.

2

Pre-Approval

We pull your numbers, run scenarios, and get you a clear pre-approval so sellers know you're serious.

3

Underwriting

Your loan goes through our review process. We stay in touch, answer questions fast, and keep things moving.

4

Closing Day

Sign the papers, get the keys. We walk you through every document so you know exactly what you're signing.

Client Stories

What our clients say

"We were first-time buyers with a dozen questions and zero patience for jargon. The team at Merrill walked us through everything step by step. We closed in under three weeks and couldn't be happier."

S & M

Sarah & Michael T.

Roseville Homebuyer

"Refinancing felt stressful until we found Merrill. They explained every option clearly, compared rates honestly, and saved us thousands over the life of the loan. I recommend them to everyone I know."

D R

David R.

Roseville Refinance Client

"As a veteran, I wanted someone who understood VA loans. Merrill made the whole process smooth and stress-free. They fought for my rate and kept me informed every step of the way."

J K

James K.

VA Loan Borrower

Get in Touch

Let's talk about your home

Whether you have a question or you're ready to start, reach out. We respond within one business day.

Phone

(191) 621-7711

Email

josh@merrillhomeloans.net

Office

3017 Douglas Blvd, Roseville 95661-3837

Map showing Merrill Home Loans office location in Roseville, CA

Send Us a Message

Fill out the form and we'll get back to you within one business day.

Is this your business?This is my business