At TRG Lending, our platform is built on transparency and solutions. Use this hub to learn the process, compare options, and move forward with confidence.
Step-by-step resources to help you understand loan options, compare programs, and choose the right path with confidence.
A clear, step-by-step path from pre-approval to closing. Learn how down payments, credit, DTI, and reserves work, the differences between FHA, VA, and Conventional, and what to expect in underwriting, appraisal, and closing
Lower down payment and flexible credit options. Understand FHA mortgage insurance (UFMIP + monthly), property standards, gift funds, and how we structure offers so first-time buyers look strong to sellers.
Zero down for eligible veterans and service members. We cover entitlement, COE, funding fee rules, residual income, and how to make VA offers competitive in today’s market—start to finish with veteran-level care.
Great for well-qualified buyers. Learn about PMI types (borrower-paid, lender-paid), when PMI can drop, ARM vs fixed strategies, and pricing factors (LTV, credit, loan purpose).
For high-balance homes. We break down reserves, asset seasoning, appraisal requirements, and ways to design a clean, fast-to-approve jumbo file without surprises.
When rates, cash-out, or term changes make sense. See how to evaluate breakeven, consolidate debt, fund improvements, or move from ARM to fixed while keeping total cost in check.
Buying before you sell. Use existing equity to write a non-contingent offer, then pay off the bridge when your current home closes. We map timelines, payments, and exit strategy so cash flow stays predictable.
For entrepreneurs and self-employed clients. Qualify using business or personal bank statements instead of tax returns. We help select the right averaging method, handle add-backs, and document business expenses with clarity.
Debt-Service-Coverage-Ratio loans qualify the property, not your job income. Ideal for rentals and portfolios. Learn DSCR thresholds, interest-only options, prepay penalties, LLC titling, and how we structure files to close smoothly.
Actionable context on rate movement—30-yr fixed, jumbo spread, and ARM trends—with a simple lock vs. float outlook based on market momentum. We also note what’s driving changes (Treasury yields, inflation prints, Fed guidance).
Inventory, new listings, days on market, and list-to-sale ratios—plus micro-market commentary so you know how competitive your target neighborhood is. For investors, we include rent trends and cap-rate snapshots.
Plain-English summaries of what matters: loan-limit changes, MI updates, guideline shifts, and regulatory items (e.g., appraisal, fees, disclosures). Each update includes 'What this means for you' so you can act quickly.
Practical guides and tips to help you navigate the mortgage process with confidence and clarity.
Your rate is largely credit-driven. Pull and review reports for errors. Pay revolving balances down before statement dates. Avoid opening/closing accounts mid-process. If thin credit, consider authorized-user strategies (when appropriate).
Got complexity? We handle it. Self-employed: add-backs, K-1s, and bank-statement options. Variable / bonus / commission income: averaging rules and timelines. Credit events: seasoning and re-establishing credit. High DTI: structure with buydowns, term changes, or co-borrowers.
Expect lender fees, third-party fees (appraisal, title/escrow), impounds, and prepaids. We provide a transparent fee worksheet upfront and show strategies to reduce cash to close (seller credits, lender credits, rate-cost trade-offs).
Refi isn’t just about a lower rate. Cash-out for improvements to raise value or rents. Term reset to improve monthly cash flow. Debt consolidation to simplify payments and reduce interest. We model total cost, breakeven, and long-term equity impact before you decide.
1) Large, unexplained deposits.
2) New credit lines or major purchases mid-process.
3) Changing jobs without telling your loan officer.
4) Incomplete documentation.
5) House-hunting without a real pre-approval. We’ll give you a clean checklist so your file sails through underwriting.
Clear, plain-English definitions for APR, LTV, DTI, MI, escrow/impounds, points, and more—so every term on your estimate makes sense.
Questions or a quick scenario review? Email info@trglendinginc.com or call us—our team will respond fast with clear next steps.
Often same day with complete docs.
Pre-approval verifies income/assets/credit and is stronger for offers.
Yes—bank statements, asset-depletion, and tailored documentation.
Yes—see Bridge Financing.
We’ll map a plan and outline fastest impact steps.
