Loan Products
Welcome to Trinity Lending Group! We’re so glad you’re here. Whether you're buying your first home, refinancing, or looking for the best mortgage options, we’re here to guide you through every step of the process with care and expertise. At Trinity Lending Group, we believe in making your homeownership dreams a reality by offering personalized solutions tailored to your needs. Our friendly and experienced team is committed to providing the support you deserve, helping you feel confident and excited as you take this important step. Let us help you find the perfect mortgage for your future!
BANK STATEMENTS
12-Month Bank Statement Qualify Self-Employed borrowers with 12 months of Bank statements instead of tax returns. No 1040s, 1120s, K1s, or IRS transcripts Max 90% LTV Purchase Max 80% LTV C/O Refi
DSCR
Investor Cash Flow / DSCR Qualify with DSCR on the subject property. No income or employment required Min 600 FICO Loan amounts up to $3M Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels
FOREIGN NATIONAL
Foreign National For borrowers who live and work outside of the US with no US citizenship status No income, job, or credit required Max 75% LTV Purchase Max 70% LTV Refinance Loan amounts up to $
JUMBO NON-QM
Jumbo Non-QM Loan amounts up to $10M Loan Amounts up to $4M (Higher amounts available case-by-case) I/O available with a 650+ FICO Cash out available with no max cash in hand depending on LTV For
1099 Only
1099 Only Self-Employed borrowers qualify with the most recent two years' 1099s and YTD bank statements Max 80% LTV Min 600 FICO Income Docs: One year 1099 & two months bank statements All occupa
ATR-In-Full
ATR-In-Full Qualify with enough liquid assets to cover the loan balance Max 75% LTV Purchase Max 70% LTV Refinance Min 600 FICO Borrower does not have to be currently employed Only show two month
Condotel
Condotel A hybrid property that combines the ownership of a condominium with the option to rent out units like a hotel Max 75% LTV Purchase Max 65% LTV Refinance Min 600 FICO Max Loan $4M No mini
P&L (Profit And Loss)
P&L (Profit And Loss) Self-Employed borrowers qualify with a 12 month Profit and Loss, No bank statements required Max 75% LTV Purchase Min 650 FICO Income Docs: Licensed Tax Preparer prepared P&
Interest Only
Interest Only Borrower is only required to pay the interest portion owed each month for a period of time Max 90% LTV Purchase Min 650 FICO Loan amounts up to $4M Owner Occupied, Non-Owner Occupie
ITIN
ITIN Individual Taxpayer Identification Number Max 80% LTV Purchase Max 75% LTV C/O Refinance Loan amounts up to $1M Qualify WVOE and one month bank statement reflecting ACH direct deposits from
WVOE
WVOE Wage Earners can qualify with a WVOE only, no paystubs or bank statements Max 80% LTV Min 600 FICO Owner Occupied Only No FTHB Property Types: SFR / Condo / Townhome (No rural or units) Borr