"When we first contacted Merchants back in December, we thought they would tell us what every other bank had told us, which was to go fix our credit and call back when it was done. Instead, Monica welcomed us in to their buy ready program and showed us how to get from a credit score of 544 to 632.

Here we are 3 months later closing on our first home and we couldn't be more thrilled! They gave us weekly and sometimes daily guidance on what to do and our family is so grateful. Thank you Monica and Merchants Home Loan!"