Merchants Mortgage & Trust
REAL ESTATE FINANCING
About Merchants Mortgage & Trust
Headquartered in Greenwood, Colorado, Merchants Mortgage & Trust has provided loans to real estate investors since 1961. The company also offers services in Arizona through its Phoenix office, Merchants Funding AZ. With an emphasis on fix-and-flip loans, the company specializes in helping investors purchase and improve properties before selling or refinancing them. Since 1997, Merchants Mortgage & Trust has provided more than $1.2 billion in loans to small real estate investors.
Typically, the company provides real estate investors with loans totaling up to 90 percent of the property’s purchase price, plus up to 90 percent of the cost of repairs and improvements. The exact amount varies depending on the value of the property and the borrowers' qualifications. Investors can pay the remaining percentages through innovative strategies such as cross-collateralization, which uses the equity in other real estate owned by the borrowers in lieu of a cash down payment.