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Mercantil Bank Mortgage Products:

The financial expertise of Mercantil Bank includes a Residential Mortgage Division with competitive programs that fit the needs of Domestic and International customers. Whether you’re looking to buy a house, upgrade your home, move to a larger residence, or refinance your existing mortgage, we have the resources, range of programs, and expert professionals to make it happen.


The following is a list of the wide array of mortgage options available through our Home Loan Center :

Fixed-Rate Mortgages

A program that offers fully-amortizing mortgages with monthly payments that will not change over the life of the loan. This type of mortgage is ideal when interest rates are low or for individuals with a fixed monthly income. Fixed-Rate Mortgages provide competitive rates, which will be locked in for the term of the loan. Available in 15, 20 and 30 years.

Jumbo Loan Programs

Customers who prefer a jumbo mortgage, can choose our competitive fixed and adjustable rate mortgage programs. Jumbo Mortgage Program options include large purchases or refinances designed for mortgages that exceed the current maximum conforming amount of $453,100.  Jumbo fixed and adjustable rate mortgages are available in terms of 15 and 30 years.
Adjustable-Rate Mortgages

Adjustable Rate Mortgages (ARM) are convenient options for individuals looking for mortgages with a low introductory rate. Under this program, interest rates and payments adjust periodically over the life of the loan, allowing individuals to take advantage of favorable market trends.

Available in a 5-Year period with a 15 and 30 year terms.

5-1 ARM
An adjustable rate mortgage with a low introductory rate for a longer period, then adjusting thereafter. It is available for domestic and foreign borrowers.

Click the links below for more information on rates, fees, and other cost information.

15 Early ARM Disclosure Statements

30 Early ARM Disclosure Statements

Consumer Handbook on Adjustable-Rate Mortgages

Mercantil Bank reserves the right to make changes at any time with regard to any material covered in this website, as a result of change in policy, law, regulation or any other reason.

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