Wholesale Mortgage Broker · Williamsburg, VA

Your Home Loan, Made Simple.


We shop over a dozen lenders to find the right program and rate for you — then stay in your corner from application to closing.

  • Buy, refinance, build, or tap your equity
  • VA, FHA, USDA, Conventional & Non-QM
  • A local team that answers the phone
★★★★★5.0 on Google|NMLS #2460866

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Quick, free, and no obligation.


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12+Lenders shopped for you
5.0 ★Google reviews
12 StatesLicensed to lend
LocalWilliamsburg, VA

What We Offer

Refinance & Purchase


Your one-stop shop for buying, refinancing, building, and tapping your equity.

Buy a Home

Conventional, VA, FHA, USDA, and Non-QM options — including low and no down payment programs.

View Programs →

Refinance

Lower your rate or payment, change your term, or ask about streamlined options for VA and FHA loans.

View Programs →

Build with VA

Land and construction in one loan with one closing — $0 down with full entitlement.

Learn More →

Tap Your Equity

A HELOC puts your home's equity to work without touching your current first mortgage.

Learn More →
Happy homeowners holding their new keys

How It Works

Three Simple Steps


1

Tell us your goals

Fill out the quick form or apply online — it only takes a few minutes.

2

We shop the market

We compare programs and rates across more than a dozen lenders to find your best fit.

3

We get you to closing

We work directly with underwriters and keep you informed every step of the way.

Alicia Medford with her husband Rob

Get to Know Us

Real People. Real Advice.


Merit Mortgage Group is a wholesale mortgage broker in Williamsburg, VA, led by Broker-Owner Alicia Medford. We know the mortgage process can be stressful, so we offer competitive, transparent pricing and walk with you through every step — whether you're a first-time homebuyer or a seasoned homeowner.

Meet Our Team →

Client Reviews

What Our Clients Say


Posted on Google Google
Erica Bowe profile picture
Erica Bowe
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Alicia was a fabulous partner in helping us buy our property in August 2026. I was having trouble with another mortgage “broker” when I called her on a Saturday afternoon, and not only did she answer the phone, but listened to exactly what we needed and we were off from there. She was always so quick to respond to anything during the process and was diligently on top of all the logistics the entire time to make sure things went smoothly. I so appreciated Alicia and would recommend her to anyone.
Posted on Google Google
Kelly Frommer profile picture
Kelly Frommer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had the best experience closing with Alicia and the team. They took care of absolutely everything and made it so easy for us. Thank you!!
Posted on Google Google
glen troup profile picture
glen troup
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have worked with Alicia at merit mortgage on 3 refi's over the years. Always very professional and works with you to fulfill your goals on refi. Merit Mortgage is a team I can always trust and will always look to them first on any future mortgage loan needs!
Posted on Google Google
Karen White profile picture
Karen White
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We recommend Merit Mortgage Group for your home buying needs. The staff was great helping us through all the the steps we needed to do. Felt like family helping us.
Posted on Google Google
Favian Munoz profile picture
Favian Munoz
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Alicia and her team were awesome, they made whole process go by easy and fast, I will definitely work with them again in the future!
Posted on Google Google
Maritza Garriga profile picture
Maritza Garriga
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve had a good experience every time I work with Merrit mortgage group. They are timely, resourceful, very responsive. They work well with real estate agents, title companies… They make the process very smooth. @Your realtor mom was highly impressed with Alicia Medford.
Posted on Google Google
Timothy Spies profile picture
Timothy Spies
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Alicia and the Merit Mortgage team did a fantastic job in guiding us through the process and securing our loan for new home construction. Very professional, Very helpful, Highly recommend.
Posted on Google Google
S Atwood profile picture
S Atwood
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I cannot recommend Merit Mortgage enough! I had the pleasure of working with Alicia and Kara, and they were both absolutely amazing throughout the entire process. From the very beginning, Alicia stood out because she was always available to answer my questions — even after hours. When I first contacted her, I had just gone through a very frustrating experience with another lender that was unresponsive to calls and emails. Alicia took the time to answer every question I had and even told me she would help me whether or not she earned my business. She actually encouraged me to take the information she provided back to the previous lender to see if they could improve the situation. That level of honesty and professionalism immediately earned my trust. It quickly became clear that the other company was not the right fit, and switching to Merit Mortgage was the best decision I could have made. Alicia and Kara made the entire process seamless and stress-free. They were always quick to respond, kept me informed every step of the way, and truly cared about helping me achieve my goal. Thanks to them, I now have the funds needed to renovate the home my dad left me when he passed away last year. This means more to me than I can put into words, and I will always be grateful for their kindness, dedication, and hard work. Thank you both for making it happen!
Posted on Google Google
Jamey Menser profile picture
Jamey Menser
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Alicia and her team were great to work with. Overall great experience!
Posted on Google Google
Jeff Strange profile picture
Jeff Strange
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Alicia and Kara were amazing with managing the whole loan process. They never stopped working for us until the closing. I highly recommend.

Ready to Get Started?

Whether you're buying, refinancing, building, or tapping your equity, we'd love to help. Reach out today for a free consultation.

Merit Mortgage Group, LLC
1 Prestwick
Williamsburg, VA 23188

Phone: (757) 755-0206

Company NMLS #2460866
www.nmlsconsumeraccess.org

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Licensed in
CA, CO, FL, GA, IA, ID, KS, OK, PA, SC, TX & VA

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