Merit Mortgage Group LLC; NMLS #2460866

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Newport News, VA
Merit Mortgage Group LLC; NMLS #2460866

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Alicia Medford is the Broker-Owner of Merit Mortgage Group. In 2017, she came back to the mortgage industry and has not looked back since.

Merit Mortgage Group LLC
Company NMLS 2460866
Mortgage Loan Originator
NMLS 1797551📍Williamsburg, VA
www.nmlsconsumeraccess.org
Serving: CA, CO, FL, GA, KS, IA, ID, OK, PA, TX and VA After graduating from Christopher Newport University, Alicia worked in mortgage loss mitigation followed by working in the customer service/sales industry. With a goal of building her own business from the ground up, Alicia launched Merit Mortgage in January 2023. Alicia is passionate about serving her clients with kindness and integrity and equipping clients with the tools to become successful homeowners. Mortgages aside, Alicia and her husband, Rob, have six boys who are active in nearly every sport, from swimming to soccer to tennis. Alicia loves to stay in shape by running/training, playing pickleball (where she is the co-lead for her HOA club), and coaching her kids in their various sports adventures. Alicia and her family love to vacation on the coast of North Carolina each summer, and you’ll learn quickly that Alicia is an avid Kansas Jayhawk basketball fan!

10/07/2026

Don't give up your low mortgage rate just to get cash out. 👀

So many homeowners are sitting on serious equity but don't want to refinance and lose the rate they locked in. A HELOC lets you tap that equity WITHOUT touching your first mortgage. 🏡

Here's why I love it for my clients:
✔️ Lines from $5K to $1M
✔️ Your initial draw locks in at a fixed rate
✔️ Draw again anytime during the 5-year draw period
✔️ Most homes valued without a traditional appraisal
✔️ Online from start to finish

Kitchen remodel, new roof, paying off high-interest credit cards, tuition... your equity can work for you. It's even available on second homes and rentals.

👉 Swipe through and then visit meritmortgagegroup.com/heloc to check your offer.
📞 Questions? Call me at (757) 755-0206. I'm happy to walk you through it!

Alicia Medford, Owner/Broker | NMLS #1797551
Merit Mortgage Group LLC | NMLS #2460866
Licensed in CA, CO, FL, GA, IA, ID, KS, OK, PA, SC, TX & VA | Subject to credit approval | Equal Housing Opportunity

04/01/2026

🏡💳 What if your home could help you create monthly freedom?

If you’re carrying high-interest credit card debt, you’re likely paying 18–30% interest 😳
Meanwhile, your home equity may be sitting there… doing nothing.

What if you could:
✔ Use your equity to consolidate that debt
✔ Potentially lower your interest rate significantly
✔ Reduce your monthly payments
✔ Create a clear, faster path to being debt-free

This isn’t about “adding debt” — it’s about restructuring it smarter.

📊 I’ve got a simple calculator that shows what your monthly freedom could look like using your home equity — based on your actual numbers.

No pressure. Just clarity.

👉 DM me "monthly freedom” and I’ll send you the link to run your numbers.

Let’s make your money work for you, not against you 💪

02/27/2026

🩺💰 Doctor Loan = 100% Financing? YES. 💰🩺

If you’re a physician, dentist, or medical professional, this is for YOU 👇

With a Doctor Loan Program, you may be able to:

✔️ Purchase with 100% financing (that’s $0 down!)
✔️ Qualify with a 680+ FICO score
✔️ Avoid PMI in many cases
✔️ Use your employment contract as income (even before your first paycheck!)
✔️ Close quickly so you can focus on patients — not paperwork

After years of school, residency, and delayed income… you shouldn’t have to wait even longer to buy your home. 🏡

Whether you’re relocating, finishing residency, or ready to stop renting, this program was designed specifically with medical professionals in mind.

📍 Serving buyers locally and beyond
📩 DM me “DOC” for details or a personalized breakdown

Let’s get you home.

01/15/2026

✨ Nobody's perfect, and that's okay. ✨
VA homeowners—this one's for you 👇
Did you know a VA IRRRL refinance can be done with:
✔️ No credit checks
✔️ Just 6 consecutive on-time mortgage payments
If you’ve been waiting for the “perfect” moment… this might be the sign.
Let’s see if a lower payment or better terms are already within reach 🇺🇸
📩 Send me “VA” to start the conversation.

08/29/2025

Check out the progress on this new build in !

The borrowers used the 100% Financing VA OTC Construction Loan and closed with us at the end of June. As of today, their build is 50% complete!

We can’t wait to see the finished product in just another couple months!

08/13/2025

🏡 Buying a home? Don’t just chase the lowest rate!

Yes, a great interest rate matters, but here’s what else you should weigh before signing:

✨ Total Monthly Payment – Taxes, insurance, HOA fees, and more.
✨ Loan Program – FHA, VA, conventional… each has pros & cons.
✨ Upfront Costs – Down payment + closing costs.
✨ Flexibility – Can you refinance later? Any penalties?
✨ Location & Value – Schools, commute, resale potential.
✨ Home Condition – Repairs can eat up “savings.”
✨ Future Affordability – Plan for life changes.
✨ Lender Service – Fast, reliable closings can win you the home.

💡 Sometimes, the best deal isn’t the lowest rate—it’s the loan that fits your life and long-term goals.

07/30/2025

🚨 Attention Active Duty & Eligible Veterans! 🇺🇸 Build YOUR dream home with 100% FINANCING on VA OTC Construction Loans! 🏡💰 No down payment, no problem—start your homebuilding journey today! 🙌 Contact us to learn how you can qualify and make homeownership a reality. 🪖✨
Note: Always verify eligibility and loan details with a qualified lender.

02/26/2025

🔨 Building Dreams, One Home at a Time 🏡
Virginia & Colorado are buzzing with new home construction, and YOU could be next! Whether it’s in the beautiful countryside of Virginia or the scenic mountains of Colorado, our VA OTC Construction Loan is available to help you build your dream home – in all states where Merit Mortgage Group is licensed! 🗺️
✅ No need for two separate loans!
✅ Simplified financing with one-time close.
✅ Already own the land? You’re eligible too!
✅ Perfect for veterans looking to build their dream home!
Interested? Reach out to us today to learn more and see if we’re licensed in your state! 📞
👉 Contact us: [email protected]
📞 Call: 757.755.0206

02/22/2025

🚀 Big News: Utah and Idaho, We’re Coming! 🏡

We’re thrilled to announce that Utah and Idaho will soon be part of our mortgage service area! 🎉 Whether you’re buying your first home or refinancing, we’ve got you covered. Stay tuned for updates on when we’ll be ready to help you finance your dreams in these new states! 👀

💥 Already helping homeowners in:
✅ California
✅ Colorado
✅ Florida
✅ Georgia
✅ Kansas
✅ Oklahoma
✅ Pennsylvania
✅ Texas
✅ Virginia

Utah and Idaho, get ready for expert mortgage solutions! 🔑

💬 Comment below if you’re excited to work with us or already part of our growing family of happy homeowners!

Address

1 Prestwick
Newport News, VA
23606

Opening Hours

8am - 10pm

Telephone

+17577550206

Website

http://www.meritmortgagegroup.com/

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