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FHA / VA Mortgages

Government-insured loans usually offer low down payments and below-market interest rates, as well as easier credit and income guidelines than conventional loans. That may make them a good option for first-time homebuyers, for borrowers with low to moderate incomes, or those with limited cash or minor credit problems.

  • Federal Housing Administration (FHA) loans: FHA loans allow qualified borrowers to purchase a home with a down payment of as little as 3.5% of the purchase price. There are several types of FHA loans. In addition to fixed loans and adjustable-rate mortgages (ARMs), FHA loans also include graduated payment mortgages and growing equity mortgages for borrows who expect their monthly earnings to increase over time. In addition, the Energy Efficient Mortgage (EEM) program allows borrowers to include the cost of energy efficiency improvements into their FHA loan.

  • Veterans Administration (VA) loans: VA loans offer flexible credit guidelines and often do not require a down payment. They are available to military service veterans, reservists and active-duty service members.

We can tell you more about government-sponsored loans and refinancing options.


What Our Customers Say

Dear Jeremy and Ryan, We can’t thank you enough for the exceptional customer service and flawless execution you and the entire Trident Team provided us for our new home. You were both so attentive, responsive, thorough and helpful during this process! Because of your efforts, we are beyond satisfied with Trident and will always recommend you to others. Working one on one with Ryan over the past month has been really amazing. You are exceptional and really organized (which I LOVE). I have enjoyed working alongside of you ironing out all of the final details of the loan. You are amazing!!! I didn’t realize you were coming to closing yesterday, so I was thrilled to have finally met you. You exceeded our expectations and I am eternally grateful for your services. I chose to stick with you as our lender because of the story I shared with you some time ago… We truly appreciate all of your efforts, loans are SO much work and I know firsthand how the details are so critical (between our refinance at our present home last year and the sale of Bill’s father’s home a few months ago). I thought a 30-day close was a little aggressive and we would have settlement pushed back, but boy I was wrong. It was a pleasure working with you both and I expected a lot of back and forth and there were barely any issues. I know there are/were several other team members I did not have the pleasure to come in contact with, please extend our gratitude to them and let them know how satisfied, happy and grateful we are for their service. Such a commitment to exceptional customer service should be commended, please feel free to share my email with your supervisor/managers. Customer service like this makes clients feel so special and that you really care about developing long-term relationships that mean more than just closing another loan. We will definitely keep you in mind when/if we decide to refinance in a year or 2. We are planning to make some additional upgrades to the house and I will definitely keep in touch. Thank you again so much from the bottom of our hearts, we are so excited! I hope you have a fantastic, wonderful summer. Thank you! Mia & Bill

~ Mia and Bill Chung