VA-approved direct lender Merchants Home Lending operates from Point Loma's Liberty Station under NMLS #283279 and CA CFL #60DBO-161059, channeling origination experience dating to 1988 into military-community lending. VA purchase loans close in as few as 13 days through an in-house underwriting pipeline that bypasses the broker-to-lender relay, a speed advantage that referral partners like Bragg Estates leverage when submitting offers on behalf of active-duty buyers. Beyond VA purchase and VA IRRRL streamline refinance, the product menu extends to FHA, conventional conforming, and jumbo tiers — broadening eligibility for civilian borrowers in Liberty Station's mixed-use market. Annual sponsorship of the San Diego Veterans Tennis Classic and participation in the Veterans Day Parade alongside Wounded Warriors align Merchants' military-lending mission with direct community engagement. Hazard-insurance binding at closing pairs Merchants' funding timeline with coverage partners like At The Point Insurance Services, Inc., ensuring lender-required policies activate before the loan records. Non-VA-approved condo financing and VA construction loans extend the product range into multi-unit buildings and ground-up builds across San Diego County.