FREQUENTLY ASKED QUESTIONS 

Trust Lending specializes in home purchases, refinancing, and real estate investment financing.

We serve clients in five states: Texas, Oregon, Colorado, California, and Florida, with specific offerings tailored to local markets.

You can reach us via phone, email, or through the contact form on our website.

No, but scheduling an appointment can help ensure personalized assistance.

We use industry-standard encryption and security protocols to protect your data.

You typically need proof of income, tax returns, bank statements, and identification. Specific requirements may vary.

Eligibility depends on your credit score, income, debt-to-income ratio, and other factors. Contact us for a detailed assessment.

Our minimum credit score requirement varies by loan type, but a score of 620 is generally required.

Yes, pre-approval helps you understand your budget and makes you a more competitive buyer.

Pre-qualification gives you an estimate, while pre-approval involves verifying your financial details for a specific loan amount.

Avoid major financial changes like opening new credit accounts or making large purchases during the process.

While possible, doing so can impact your credit score and complicate the approval process.

Approval times vary, but it typically takes 30-45 days from application to closing.

Underwriting involves reviewing your financial history to assess risk and loan eligibility.

Mortgage brokers connect borrowers with lenders, while lenders provide the funds directly.

We offer calculators to estimate monthly payments based on loan amount, interest rate, and term.

The amount you can borrow depends on your income, credit, and property value. Contact us for a personalized quote.

You can lock in your rate during the application process to protect against rate increases.

PMI protects lenders if you default on a loan. It is typically required if your down payment is less than 20%.

Yes, making extra payments can reduce your loan term and save on interest. Check your loan terms for prepayment policies.

Missing a payment can incur late fees and impact your credit score. Contact us immediately if you anticipate a missed payment.

Rates are influenced by market conditions, loan type, and your credit profile.