Business Details
19 Years
experience
Your Trusted Mortgage Partner for Home Loans
At Trident Home Loans, we are committed to simplifying the loan process through a proven methodology rooted in trust, reliability, and transparency. Our veteran-owned and operated company was founded in 2007 with a clear mission: to provide less stress and more options for homebuyers and refinancers. With five nationally ranked loan officers, including the #1 VA Veteran Loan Originator in the country, we combine military precision with deep industry expertise to serve clients across 25+ states. Our team includes certified professionals in operations, processing, closing, and compliance, ensuring seamless execution at every stage.We prioritize clear communication, personalized guidance, and innovative solutions tailored to unique financial situations. Our success is built on client referrals and a dedication to ethical practices, reflected in our core values of trust, respect, unity, and excellence. As a leader in VA, conventional, and specialty loan programs, we continuously refine our processes to deliver efficient, compliant, and client-centric mortgage services.
Services
VA Loans
Conventional Loans
FHA Loans
Jumbo Loans
USDA Loans
Details
- Year established: 2007
Highlights and features
- We are veteran-owned with five nationally ranked loan officers.
- Our team provides personalized guidance through complex loan processes.
- We offer no-cost VA IRRRL refinancing with lender-paid fees.
- We maintain a 41% DTI ratio for VA loan eligibility flexibility.
- Our processes comply with federal and state mortgage regulations.
Associations and certifications
- NMLS ID# 65716
What people say
Veteran-owned expertise
Personalized guidance
Seamless closing process
Competitive rates
Responsive team
Services
VA Loans
VA loans provide military veterans with zero-down payment options and no mortgage insurance requirements. These government-backed loans require eligibility verification through a Certificate of Eligibility. Our team specializes in VA loan nuances including split entitlement utilization and multiple-time usage. We offer competitive rates with flexible debt-to-income ratios up to 41% while maintaining compliance with VA funding fee requirements.
Conventional Loans
Conventional loans serve primary residences, second homes, and investment properties with flexible down payment options starting at 3%. These loans accommodate various credit profiles and debt-to-income ratios up to 50% with compensating factors. We offer fixed-rate terms and jumbo loan options exceeding $647,200, with specialized programs for first-time homebuyers and investors requiring rental income qualification.
FHA Loans
FHA loans enable low-to-moderate income borrowers with minimum 3.5% down payments. These mortgage-insured loans accommodate credit scores below 680 and require specific debt-to-income seasoning periods. Our process includes MIP removal guidance when loan-to-value ratios reach 80%, with specialized support for borrowers recovering from financial hardships or bankruptcy.
USDA Loans
USDA loans provide zero-down payment options for eligible rural properties. These loans require household income limits at 115% of county medians and primary residence occupancy. Our specialists help clients navigate eligibility maps and property requirements while ensuring compliance with USDA's 90% loan note guarantee framework for approved lenders.
Jumbo Loans
Jumbo loans exceed standard conforming loan limits starting at $647,200. These require minimum 10% down payments and credit scores above 700. Our underwriting process includes bank reserve verification and specialized documentation for high-value properties, with options for VA and conventional hybrid programs in eligible counties.
People
Marty Medve
COO | Sr. MLO (NMLS 86840)
A US Naval Academy graduate and former Navy Carrier Pilot, Marty brings 35+ years of aviation and mortgage expertise. He leads loan operations with a focus on veteran-specific programs.
Tim Moor
CEO | CFO | Sr. MLO (NMLS 86848)
With a background in biochemistry and finance, Tim combines analytical precision with leadership experience from naval aviation to mortgage banking operations.
Ashley Barber
Director of Operations | Sr. MLO (NMLS 1013732)
As mortgage operations lead, Ashley ensures cross-departmental alignment with company values while maintaining regulatory compliance across all loan processes.
Victoria Johnson
Director of Processing | MLO (NMLS 1584976)
Victoria leads loan processing operations with emphasis on regulatory compliance, implementing efficiency improvements in conditional approvals and client communication systems.
Jennifer Belcher
Director of Closing | MLO (NMLS 1052022)
With over 15 years in mortgage closing operations, Jennifer ensures seamless execution of funding and post-closing processes for all loan types.
Questions
What loan types do you specialize in?
We specialize in VA, conventional, FHA, USDA, jumbo, and specialty loans for investment properties and second homes.
Are you VA loan experts?
Yes, we have five nationally ranked VA loan officers, including the #1 VA Veteran Loan Originator in the country.
Do you offer no-cost refinancing?
Yes, we offer VA IRRRL streamline refinancing with lender-paid transaction fees and no appraisal required.
What credit score is needed for VA loans?
Minimum 660 credit score for VA Streamline IRRRL; standard VA loans require suitable credit scores and Certificate of Eligibility.
Can I use rental income for qualification?
Yes, investment property loans allow using projected rental income to qualify under conventional loan guidelines.
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