For many seniors, a  reverse mortgage  is a powerful way to stay in their home while converting built-up equity into income or savings. But what often surprises borrowers is the concept of a  LESA — Life Expectancy Set-Aside. A  Fully Funded LESA  isn’t a penalty or a loss of funds. In fact, it’s one of the smartest safeguards within the reverse mortgage program — helping protect homeowners from future financial stress and ensuring their loan remains in good standing. At  Trust Lending , we...

Mortgage rates have been volatile in 2025, and the question on many minds is:  when will mortgage rates go down?  Understanding what drives rate movements—and which indicators to watch—can help you make smarter home buying, refinancing, or locking decisions. At Trust Lending, we follow these trends closely so you don’t have to. In this post, we’ll explore what influences mortgage rates, potential scenarios for decline, and how you can act strategically in the meantime. What Drives Mortgage...

Purchasing your first home is exciting — but it also comes with new financial responsibilities. Between the down payment, closing costs, and moving expenses, many buyers underestimate what it truly takes to prepare financially. At  Trust Lending , we help future homeowners map out a realistic budget that balances short-term savings with long-term stability. Here’s how to plan ahead and make your first home purchase a success. Understand the True Cost of Homeownership Buying a home involves...