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Discover Merced homes near UC Merced's R1 research university, just 2 hours from Yosemite National Park and the San Francisco Bay Area.
Explore mortgage options in Merced, Merced County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing.Get personalized rates and expert guidance from SRK Capital's local mortgage team.
University Town Market Data
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* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Restored historic district with boutiques, coffee houses, Merced Theatre, and cultural centers
Established residential area with midcentury ranches and newer homes near top-rated schools
Family-friendly neighborhood with contemporary homes, parks, and proximity to UC Merced
University-adjacent community with student housing and faculty residences near Lake Yosemite
Scenic residential area offering lake views, recreation access, and hiking trails
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Merced
Home to Castle Air Museum with 80+ historic aircraft and former Air Force base
Historic Yamato Colony with Foster Farms headquarters and sweet potato capital
Recreation hub with San Luis Reservoir and world-record striped bass fishing
Experience the perfect blend of university town culture, outdoor recreation, and Central Valley affordability. Get pre-approved today for your Merced home.
Updated 4/14/2026
Merced Ca Merced is updated daily with practical mortgage guidance for this page.