At Trident, we believe that everyone deserves the opportunity to step into their dream home without breaking the bank. We believe in the power of numbers. Real Estate is not just about buying or selling houses; it’s about turning challenges into affordable possibilities, creating a win-win situation for everyone involved.

We can offer the ability to finance more affordable homes. Trident is here to assist with programs designed to make homeownership more affordable. Our innovative mortgage solutions, such as utilizing renovation loans, rate buydowns, construction to permanent loans and bridge financing makes homeownership even more attainable.

For more insight behind the Home Affordability Program, review the latest article by Marty Medve, COO & Sr. Mortgage Loan Originator at Trident Home Loans:

Lower Rates

Our rates are not just competitive; they may surpass what buyers are quoted elsewhere. This distinct advantage ensures that our clients not only access affordable options but also potentially secure better rates than those available in the broader market.

Scenario Options

Implementing a unique strategy: We understand these demanding challenges during this time in the market, and that’s why we offer tailored solutions for each situation to make home buying or refinancing possible!

Investment Opportunities

Check out our B.U.R.S.T. Education
Learn how to maximize your gains and use real estate to your advantage when considering investment opportunities: Buy, Upgrade, Renovate, Reduce insurance costs, Rent, Refinance, Sell or 1030 Exchange

Home Transitions Made Easy

*Coming Soon: Discover the Power of New Construction-to-Permanent loans or using equity to purchase your next home!

Our exclusive mortgage programs cater to your unique needs, offering flexibility and convenience at every stage of homeownership. Whether you’re building from the ground up, looking to tap into your home’s equity, or transitioning between properties, our mortgage solutions have you covered.

Select the flyers to discover additional details about each loan program.


Coming Soon: Land/Lot Loans & Construction Loans


Certain loan products are limited to Florida & Alabama

Trident's Approach to Uninsurable Homes in Florida

Trident offers a unique financing solution for homes that initially face challenges in securing insurance. Trident has enlisted several licensed contractors in Florida who are well-versed in the prerequisites for insurability. The bid, encompassing all necessary items, enables the insurance company to approve coverage in conjunction with the loan program, facilitating the loan closure.

VA Renovation Loan Option

A VA renovation loan, (VA rehab) is a type of home loan that enables borrowers to incorporate the expenses associated with specific repairs or enhancements into the total loan amount. The key advantage is that you can address issues like an old roof, outdated plumbing, or other needed repairs without having to come up with the cash upfront. It’s like rolling the cost of improvements into your home purchase loan, making it more convenient for veterans to turn a fixer-upper into their dream home. For more information, contact a Mortgage Loan Originator today!

Other Home Affordability Loan Options

Renovation Loans – VA Rehab & FHA 203(k)

Seller Paid Concession Loan Options:

  • Discounted (Permanent) Fixed Rate via Points
  • Temporary Rate Buydown (VA or Conventional)

1-1 Buydown,  2-1 Buydown,  3-2-1 Buydown

In the context of high interest rates, renovation loans, buydowns and seller paid concession loans offer invaluable benefits to buyers. Renovation loans, such as VA Rehab or FHA 203(k), provide the financial flexibility to transform fixer-uppers into dream homes. This is particularly advantageous in a market where move-in-ready properties may be limited or overpriced. On the other hand, seller paid concessions present unique opportunities for buyers by allowing sellers to contribute to closing costs or even provide rate reductions. In a competitive market, these concessions can make a significant difference, enhancing affordability and making homeownership more accessible.

  1. Points:
  • Points, in the mortgage context, are upfront fees equal to a percentage of the loan amount. Each point is typically equivalent to 1% of the loan. Borrowers have the option to pay points at the beginning of the loan to lower their interest rate. The more points paid, the lower the interest rate, and subsequently, the monthly mortgage payments.
  1. Buydown:
  • A buydown is used to lower the interest rate on a mortgage loan. It involves paying an upfront fee, often expressed as points, to the lender in exchange for a reduced interest rate over a specified period. There are generally two types of rate buydowns: temporary and permanent.

**”Points” are the actual upfront fees paid as a percentage of the loan amount, while a “buydown” is the strategy of using those points to secure a lower interest rate.

  1. Borrower-Paid Buy-Down:
    • The homebuyer pays the upfront points directly to the lender. The buyer invests more money at the outset of the loan to secure a reduced interest rate, leading to lower monthly payments over the life of the mortgage.
  2. Seller-Paid Buy-Down:
    • The seller contributes to the buy-down by paying points on behalf of the buyer. This can be negotiated as part of the home purchase agreement. The seller’s participation in the buy-down aims to make the property more attractive to potential buyers by offering lower initial payments.

There are limits on the amounts of seller concessions per loan products (up to):


FHA 6%

Conventional (depending on the amount of down payment):

Less than 10% down 3%

More than 10 but less than 25% 6%

More than 25% down9%

Maximizing Mortgage Benefits

Discount Points

Using Discount Points can offer the following advantages:

  • Lower monthly payments
  • Saves money over the life of the loan
  • Can be tax-deductible in some cases
  • Ideal for long-term homeowners
  • Provides stability in interest costs


Buydowns offers several benefits for buyers:

  • Flexible Financing Options
  • Immediate Financial Impact
  • Great for budget-conscious buyers (Temporary financial relief)
  • Ideal for those expecting rising incomes
HA Design 2
*Disclaimer: Trident Home Loans, LLC. NMLS 65716. P&I refers to Principal and Interest. The monthly payment does not include information regarding taxes, insurance, HOA and other fees, which may result in higher monthly payments. Final loan approval is subject to credit and underwriting guidelines. Guidelines are subject to change. Not all borrowers will qualify. Any offers or advertisements for mortgage products on our website or other platforms are subject to conditional approval. The actual terms and conditions of a mortgage loan, including interest rates, loan amounts, and eligibility, are dependent upon several factors, including the borrower’s creditworthiness. Trident Home Loans reserves the right to modify or revoke any offer, and final approval is contingent upon the completion of a full application, verification of information provided, and meeting all underwriting requirements. Please note that this disclaimer is provided for informational purposes and may be subject to updates or changes in accordance with regulatory requirements. Borrowers are encouraged to contact Trident Home Loans directly for the most up-to-date and accurate information regarding mortgage products and offerings. This advertisement is not an offer to lend, and all applications are subject to credit approval. Terms and conditions may apply.

Home Affordability is What We Do!

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