Merrill Lynch Home Loans Resource Center

Call 1.800.854.7154 or contact your Merrill Lynch Financial Advisor
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MERRILL LYNCH HOME LOANS™

Knowledge is power. Here, you’ll find valuable resources, tools and information that can empower you to explore options, compare rates and learn more about home financing.

Choosing the right mortgage.
Mortgages are an integral part of your overall financial strategy. Different financing alternatives have the potential to affect your cash flow and long-term investment strategies. The Merrill Lynch Mortgage Comparison Calculator enables you to make powerful side-by-side comparisons easily between mortgage alternatives and to consider how various mortgage solutions can impact your financial situation.

Understanding the mortgage process.
Even for savvy investors, the mortgage process may seem complicated. However, with a basic understanding of the process and some familiarity with the terms, you’ll be able to ask the right questions and make more informed decisions. Learn about the mortgage process.

Obtaining a competitive mortgage rate.
At Merrill Lynch Home Loans^TM, we use the one-month, six-month and one-year LIBOR index for our selection of competitively-priced mortgage solutions. Our clients enjoy saving potentially thousands of dollars with our LIBOR-based mortgages. Learn more about LIBOR. Plus you may qualify for Merrill Lynch Home Loans relationship pricing based on the amount of assets you have with Merrill Lynch and/or deposits with Bank of America, N.A.¹

Mortgage Comparison Calculator

Today’s Rates

Learn about LIBOR

Home Buying /Selling Assistance

Get Pre-approved

Protect / Lock Your Rate

Frequently Asked Questions

Mortgage Glossary

Mortgage Process

Integrated Investment Statement

Contact Us

Assessing your down payment options.
Did you know that a smart home financing strategy may not include a down payment? When combined with one of our home financing solutions, you may be able to take advantage of 100% financing to avoid liquidating assets and disrupting you financial goals.

Selling and/or buying a residence.
Provided by Cartus, the Realty Advisory Services Program is a complimentary program for Merrill Lynch Home Loans clients, which may help you save time and money when buying or selling a home. By providing guidance and advice at every step, this program facilitates the entire process to help ensure the best possible homeowner experience. Learn more.

Leveraging the power of pre-approval.
Our Qualified Buyer program provides qualified prospective homebuyers with a complimentary conditional mortgage pre-approval letter, which can be a powerful negotiating tool when shopping for a new home. This letter is not a commitment to lend. Approved financing is available to qualified applicants. Learn more.

Protecting and locking your rate.
These two optional mortgage features offer you the safety of a guaranteed maximum interest rate, even if mortgage rates rise before you close your mortgage. Learn more.

Utilizing the power of an integrated investment statement.
Looking for a more complete view of your financial picture on your investment statement? We offer an integrated investment statement that allows you to view your mortgages, as well as your assets, all on one statement (available for most clients). Learn more.

¹Relationship pricing discounts are only available to individuals (i.e. natural persons) who have a vested interest in the proposed mortgaged property. To be eligible for the closing cost credit, the client must transfer new assets totaling at least $250,000 (additional discounts may be available for higher asset levels) to Merrill Lynch Pierce, Fenner & Smith Incorporated (“MLPF&S”) or Bank of America, N.A. (“BANA”) prior to loan closing. To be eligible for the rate discount, the client must have assets totaling at least $250,000 (additional discounts may be available for higher asset levels) with MLPF&S or BANA prior to loan closing. Assets may be held in a combination of MLPF&S brokerage accounts (e.g., CMA, Beyond Banking, Delaware cash accounts, etc.), BANA deposits including checking accounts, savings accounts and certificates of deposits, and Bank of America, Rhode Island, National Association deposits (including sweeps from MLPF&S accounts). All of the above accounts are eligible to be included in the calculation although the client is not required to have any particular type of account to receive the relationship pricing discount. All assets are subject to verification for eligibility prior to closing.

IMPORTANT NOTE: Clients are NOT required to trade or hold securities or open or maintain a MLPF&S account in order to obtain relationship pricing for MLCC mortgages. If the client wants to meet the balance threshold entirely through deposits, they are entitled to do so.