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Home lending is our signature business

From traditional fixed-rate to adjustable-rate residential mortgages there are a wide variety of loan programs to meet your financial needs. These include customized bridge loans and construction or renovation financing.

Use this section to explore your residential financing options. Even get started with the application process. Or if you'd rather discuss your plans with one of our home lending experts, just click the Contact Us button to let us know how best to reach you.

We can meet your unique needs:

  • Co-ops
  • Live/work properties
  • Bridge loans
  • 100% Finance with additional collateral of acceptable securities
  • construction loans
  • renovation loans

Residential lending options

  • Fixed rate mortgages
  • ARMs linked to a variety of indices (Treasury, Libor, Prime, 11th District Cost Of Funds, and more)
  • Flexible terms from one month to 30 years
  • Interest only payment plans
  • Low monthly payment options
  • With or without points
  • With or without prepayment penalties
  • Construction terms greater than twelve months
  • 100% financing with additional collateral

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A division of Merrill Lynch Bank & Trust Co., FSB