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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Merchants Mortgage

Merchants Mortgage & Trust is the trusted Fix & Flip Lender for thousands of Borrowers across the US!

Merchant's Mortgage & Trust Corporation provides residential loans and property investment financing in Greenwood Village, CO. Our experienced team of financial consultants can help you with all your financing needs, including loans, fix and flip loans, construction loans, mortgage lending, and refinancing. Our team is dedicated to helping you achieve your financial goals, whether you're looking t

o invest in a new property or refinance your existing home. We offer a range of home financing options, including residential loans and property investment financing, and our experts can guide you through the process from start to finish. Contact us today to learn more about how we can help you with your home financing needs.

02/06/2026

We are proud to share this wonderful client feedback!

This review for Merchants’ Loan Officer, Elizabeth Crafton, highlights exactly what we strive for — a smooth, stress-free process backed by knowledge and responsiveness!

Big kudos to Lizz for bringing expertise, energy, and care to every transaction and client she works with!

12/24/2025

Happy Holidays from your friends at Merchants Mortgage!

Thank you for being part of our journey—we look forward to what’s ahead in the new year.

12/18/2025

Merchants CEO Justin Land shared an important lesson he learned early in his career with Editor-in-Chief Jessica Fiur for their latest MHN Executive Council.

“One lesson I learned is that sometimes you are participating in a marathon when you may think it’s a sprint, and sometimes you are participating in a sprint when you may think it’s a marathon. Being able to continually adapt and pivot as new information becomes available is key during times of uncertainty.”

See the full article and other important advice for early career executives here: https://www.multihousingnews.com/executive-council-toughest-lessons-to-learn-at-the-start-of-your-career/

12/05/2025

Merchants CEO Justin Land recently spoke with Sarah Wolak at about his outlook for fix-and-flip investing in 2026, emphasizing how tech-enabled strategies are driving meaningful change in the sector:

“Over the past few years, you’ve seen things like AI and machine learning being involved in underwriting and some of the credit and lending functions. I think you’re starting to see that more on the small investor side, too, where these tools are becoming more and more available, and are being used more to help identify opportunities to help make the construction or the rehabilitation of a project more efficient.”

09/26/2025

Congrats to our Multifamily team on another round of successful closings!

Investors across the country count on Merchants for fast, flexible multifamily financing — and our team continues to deliver. With reliable capital, competitive terms, and an unmatched lending experience, we’re helping clients scale with confidence.

Looking to fund your next deal? Reach out to Ryan Denk or Chris Formichella today!

09/24/2025

Mark your calendars!

On Tuesday, September 30, from 11:30 AM to 12:15 PM, Merchants CEO Justin Land will join fellow industry experts at the for the panel ‘Structuring Loans for Flexibility, Exit & Risk Management.’

The discussion will highlight best practices in fraud prevention, due diligence, documentation, and stakeholder coordination—key strategies to ensure loans close both effectively and compliantly.

Don’t miss this chance to gain insights from leading voices in private lending on how to structure smarter, stronger deals!

Learn more about the event and register at www.nplaconference.com

09/22/2025

We’re proud to share that our very own Julia Willetts, Vice President of Loan Originations, is a finalist for the AAPL Rising Star Award, which recognizes exceptional growth and leadership within the private lending industry!

In only three years, Julia has risen through three promotions, assembled a high-performing team of Loan Originators, and manages a pipeline exceeding $10 million in monthly production.

Public voting for the Rising Star Award is open until September 30, and we encourage you to support Julia in earning this distinguished recognition!

https://aaplonline.com/awards/

08/19/2025

Merchants CEO Justin Land will be speaking later this week at the Innovate Conference, hosted by Fortra Law, August 21-22 in Newport Beach, California.

Justin will share data driven insights and expert forecasts alongside other industry veterans for the session “Private Lending in Focus: Market Trends, Challenges & the Road Ahead,” which will take a deep dive into the current market landscape, emerging trends, and key risks shaping the industry.

Don’t miss it!

08/14/2025

We’re excited to share that Merchants was ranked the 107th fastest growing real estate company on the Inc. 5000 list, a prestigious ranking of the fastest-growing private companies in America!

“As a pioneer and leader in the private lending space for more than 60 years, it is an honor to be recognized by Inc. for providing strategic loan solutions for fix & flip, ground-up construction, multifamily, and DSCR investment properties,” said Merchants CEO Justin Land.

Check out the full press release on our website: www.merchantsmtg.com/news/

07/22/2025

🏡 Ready to own a home? It's about building your future! Merchants Mortgage & Trust guides you with care. Our team listens and finds the right mortgage for you. What's your biggest home buying question? Let us help! 🤝

06/24/2025

Merchants is proud to be a sponsor of the ! Make sure to stop by Booth 41 to say hello to our team!

06/03/2025

Congratulations to the outstanding Multifamily team at Merchants for successfully closing nearly $10.5 million in loans in just the last 6 weeks!

Address

Greenwood Village, CO

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+13037733000

Website

https://merchantsmtg.com/

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Our Story

We lend up to 90% of purchase price plus 90% of repairs. Quick closings (typically in one week or less), have flexible income underwriting for investors, have over 20 years of experience lending on flips, can lend to LLC's and other entities, can lend on double closings. We also do ground up construction, scrapes, additions, and poptops.