June 2022 - Trident Home Loans

Tried and True

During a recent leadership retreat, we discovered a common theme among our collective ideals when it comes to Trident Home Loans. Our reputation was not built overnight. Time after time, we have proven to our clients and investors that we are here to make sure you receive the highest quality home loan care. This includes competitive rates and reliable service as well has building trusting relationships.

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Preferred Partners

Our newest venture is into making connections and as always, going above and beyond for our clients and partners. Our Preferred Partners list is an exclusive list of trusted professionals such as Realtors, Builders, and more. We have vetted their knowledge, abilities, and willingness to go above and beyond for you, our clients!

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Pilot To Pilot

Everyone, at one time of their life or another, makes plans to buy a home and no matter what your career, nothing should get in the way of that, pilots included. Finding your dream home seems simple but finding a pilot-friendly mortgage lender and the perfect loan to fit you and your needs can be difficult. Here at Trident Home Loans, we have a team of professionals that can handle the mortgage process and make it as smooth as possible to get into your new home and since we are owned and operated by pilots, we understand better than most. We believe that being a pilot is one of the most prestigious jobs, but not everyone understands the turmoil and pitfalls that most pilots deal with. Most lenders out there don’t understand the pay or the schedules that pilots have and because of that, some pilots don’t get the proper assistance they need through the mortgage process. Because of this, we will focus on the little-known mortgage facts that can help pilots avoid typical issues seen as they are applying for a mortgage.

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No. One VA Veteran Loan Originator in the Country

At Trident Home Loans, we are a Veteran Owned and Operated Company where we strive for the best customer service and clear communication with our clients. We have held that mission for over 15 years. Year after year, we rely on client testimonials to build our reputation and business. With the hard work of our team and the guidance from our COO, Marty Medve, we work every day to help clients and their families finance their next home. Here, from the word of Marty himself, are the words of his success in 2021 which led him to be named the No. 1 Top Veteran Originator of 2022, as seen in the Scotsman Guide Residential Edition of July 2022.

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Loan Process

When buying a home, you can get overwhelmed with the loan process and where to even begin. During the homebuying experience, loan process itself can be confusing and complicated and we are sure that when you begin you have a million different questions about the loan process and what you may have to work with as you go. The purpose of this article is to show you how the loan process works and what steps Trident Home Loans takes to make sure your experience goes as smoothly as possible.

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Homestead Exemptions

Homestead exemption refers to the possible tax breaks you may qualify for as a primary resident of a location. Homestead exemptions vary from state to state. You can find more information on your county tax collector’s website. The exemptions can vary based on location, marital status, age, acreage, etc. Be sure to check online or at your local tax collector’s office for details in your area. Below I will be showing you an example of what it means in Florida to give you an idea of the process and benefits.

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Employment Status

It is important to remember that ultimately borrowers are asking for a large sum of money. Just as if a friend/family member were to ask you to borrow money – you would want to ensure that they are able to pay you back. Creditors want to ensure that borrowers have steady employment with consistent paychecks to ensure that the payments can be made. A 2-year work history is often used as well as a month of paystubs. This can be cross referenced with your W2s and tax transcripts to ensure that you have steady employment.

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Down Payments

A big misconception with home purchases is that you have to have a 20% down payment in order to buy a home. There are multiple loan programs out there that offer lower to no down payment options. Yes, it is true that to avoid mortgage insurance premiums (MIP) you do have to put 20% down, but that doesn’t mean that you can’t buy a home.

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DATE THE RATE, MARRY THE HOUSE!

This slogan captures a fresh way to look at the process of buying a house. There's no denying that we are in turbulent times in regards to mortgage rates across the country. However, committing to the house does not mean you have to commit to the current rate forever. Savvy homeowners will always look for better financing availability. Should better rates and terms present themselves, they will jump on the opportunity to refinance. If rates continue to get worse in the immediate future, you will be glad you married the house when you did.

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10 Mortgage Commandments of Buying a Home

Are you planning to buy a house soon? Many factors can affect your ability to qualify for mortgage approval. There are several things that you want to make sure you know before attempting to buy a home. Here are some “rules” to follow when buying a home to maximize your chances of purchasing a home.

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