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For most people, finding the right home in Merced, California is just the first step. Finding the right financing to buy a home is essential to make the home purchase occur! A home buyer has a choice of local mortgage lenders and national lenders advertising on the Web. Many home buyers find that using local Merced, California lenders (with rates very comparable to online mortgage brokers) help ease some of the stress of moving. Home buyers have more personal service, and the mortgage companies have a better relationship with appraisers and other real estate professionals. Ask about adjustable rate loans if you are guaranteed to be relocated out of Merced within the next 5 years. I had a friend who found a 40 year adjustable with 5 year fixed rate. He knew that he had guaranteed relocation buy-out at the end of his assignment so he wasn’t worried about building equity. He ended up paying less than half in a mortgage payment than he would have paid in rent! Short on cash? There are many mortgage lenders in Merced that now offer 100% financing – no down payment certainly helps keep moving expenses down!
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Merced (pronounced "Mer-SED"), is the county seat of Merced County, California in the San Joaquin Valley of Central California. As of the 2000 census, the city had a total population of 63,893. Incorporated in 1889, Merced is a charter city that operates under a council-manager government. It is named after the Merced River, which flows nearby. Merced, known as the "Gateway to Yosemite", is less than two hours by car from Yosemite National Park to the east and to the west is Monterey Bay, the Pacific Ocean, and miles of beaches. The community is served by the rail passenger service, Amtrak[1], a major airline, through Merced Municipal Airport, and two bus lines. In 2005, the city became home to the tenth University of California campus, the University of California at Merced. -- Source: Wikipedia.com
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Census Data for Merced, California
| Merced | California | United States | |
| Population | 63,893 | 33,871,648 | 281,421,906 |
| Median age | 27.8 | 33.3 | 35.3 |
| Median age for Male | 26.5 | 32.2 | 34 |
| Median age for Female | 29.2 | 34.4 | 36.5 |
| Households | 20,435 | 11,502,870 | 105,480,101 |
| Household population | 62,523 | 33,051,894 | 273,643,273 |
| Average household size | 3.06 | 2.87 | 2.59 |
| Families | 14,632 | 7,920,049 | 71,787,347 |
| Average family size | 3.62 | 3.43 | 3.14 |
| Housing units | 21,532 | 12,214,549 | 115,904,641 |
| Occupied units | 20,435 | 11,502,870 | 105,480,101 |
| Vacant units | 1,097 | 711,679 | 10,424,540 |
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