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Pilot to Pilot

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VA Loan Certificate of Eligibility (COE): What is it and How do You Get One

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.  

Your Credit Score: And how it is Composed

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.  

Start early: Tips for a Smooth Mortgage Transaction

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.  

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.  

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. 

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.

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. 

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.  

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. 

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. 

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. 

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. 

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!