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The Merchants National Bank of Sacramento
Relationship Banking since 1921
Lady getting keys to a new car

Loans

 
Accordion 1
Home Mortgages
Purchasing a home is an important financial investment. So shouldn’t it be with someone you trust?
 
Our loan experts know the greater Sacramento market, they know the process, and most importantly of all, they know you. Whether you’re in the need of financing for your first home, buying a larger home for your growing family, or simply refinancing your present mortgage, Merchants National Bank will find the mortgage solution that is best for your situation. At Merchants National Bank our goal is to make your transaction as effortless as possible and to leave no doubt in your mind where you, your friends and family should turn for professional mortgage lending advice.
 
With a mortgage loan from Merchants National Bank, you're working with a local bank and bankers that cares about you, not some corporate suit in some big city high rise. Let us show you what we can do for you.
 
Features:
  • Competitive rates
  • Multiple financing options
  • Affordable monthly payments
  • Swift responses
  • Pre-approval available
  • In-house processing and underwriting
  • Knowledgeable loan officers
  • Commitment to personal service
  • Non-owner occupied and multi-family financing available
For more info about our mortgages come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you:
 
Accordion 2
 Home Improvement Loans
Every home could use a little something to make it better. A new deck, a fresh coat of paint, that greenhouse you always dreamt about—whatever it is, we can get you the financing you need to make it happen.
 
We offer competitive interest rates and flexible terms, so your payments stay within your budget. Sit down with our loan experts. They will listen and work with you to make sure you get what you need to make your home even homier.
 
Features:
  • Competitive fixed rates
  • Flexible terms
  • Knowledgeable loan officers
  • Commitment to personal service
  • In-house processing and underwriting
For more info about home improvement loans come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you:

 
Accordion 3
 Construction Loans
Are you looking to build your dream home? Turn your blueprints into brick and mortar. Take advantage of our competitive rates and years of experience to get your dream home built as quickly as possible. When building your dream home, it's essential to work with an expert in construction lending. Your Merchants National Bank mortgage professional will help you find the construction loan that's right for you.
 
At Merchants National Bank, we've been helping finance real estate and construction projects since 1921. Our loan experts are familiar with the process and ready to help you every step of the way. Put our knowledge and experience to work for you.
 
Features:
  • Competitive interest rates
  • One-time close saves money and stress
  • In-house processing and underwriting 
  • Knowledgeable loan officers
  • Commitment to personal service
  • Flexibility to finance many different projects
For more info about loans come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you:
 
Accordion 4
 Lines of Credit
Apply for a line of credit so you're financially prepared for anything. This flexible financing solution allows you easy access to funds when you need them, to spend as the need arises.
 
There are no maintenance charges, and you pay no interest until you use the funds, if you use them at all. This is an affordable way to stay ready for whatever unexpected obstacles might come your way in the future.
 
Features:
  • Competitive adjustable or fixed interest rate
  • Interest charged only on what you use
  • In-house processing and underwriting 
  • Pay it off and use it again
  • Easy access to funds
  • Use it for most anything
  • Spend it as you need it
For more info about our lines of credit come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you:
 
Accordion 5
 Auto Loans
Get behind the wheel of a new car or truck with affordable auto loan rates from Merchants National Bank. We can get you a great deal on new or used vehicle financing quickly so you can get out of the dealership and back out on the open road.
 
Get pre-approved when you are ready to shop for your next car. That way, you know exactly how much you can spend and have additional negotiating power too!
 
Features:
  • Finance new or used vehicles
  • Fast turnaround with decisions made locally
  • No prepayment penalties
  • Competitive rates
  • Various terms available
  • Low down payment
  • Pre-approval available
  • In-house processing and underwriting
  • Knowledgeable loan officers
  • Commitment to personal service
  • Streamlined application process
For more info about our auto loans come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you:
 
Accordion 6
 Recreational Loans
One thing about the Greater Sacramento Valley—there sure is a lot of natural beauty to be enjoyed out there. If you want to get out and enjoy it, we can get you the financing to make it happen.
 
Get a low interest loan to buy that boat, camper, RV, or any other vehicle you've been thinking about. We can set you up with terms that will keep your payments low and have you out enjoying that fresh California air in no time!
 
Features:
  • Finance new or used vehicles
  • Competitive rates
  • Various terms available
  • Low down payment
  • Pre-approval available
  • In-house processing and underwriting
  • Knowledgeable loan officers
  • Commitment to personal service
  • Streamlined application process
 For more info about our recreational loans come by our office, or contact one of our lending professionals at (916) 442-3883. Or to have one of our loan officers contact you: 

 
 

Save Easier. Save Smarter

Construcion Loans 
Take your development project from concept to completion. A construction loan can provide the resources you need to get you there.  


 
Business Checking 
Succeeding in business means being ready to move quickly when the opportunity arises.


 

Business Line of Credit 
Businessman with paperwork
In business, the only thing you can be sure of is that you can't be sure of anything. Don't let unexpected expenses or lack of working capital set you back.