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Loan Programs

Trident Mortgage offers a full spectrum of refinance loan programs as well as a streamlined application process—and the ability to talk with a real person.

Our refinance loan options include:

  • Fixed loans with 10 to 30-year terms: A fixed loan is the most common type of financing. The interest rate and the principal and interest (PI) payment remain constant for the length of the loan.

  • Adjustable Rate Mortgages (ARMs): An Adjustable Rate Mortgage (ARM) offers an initial rate that is lower than a fixed-rate mortgage, but the ARM’s interest rate may change over the life of the loan. The rate is tied to an index, such as the One-Year Treasury Bill. When the index rate changes, the loan rate moves up or down accordingly. Caps limit how much the rate can change.

  • Balloon mortgages A balloon mortgage features low rates and low fixed monthly payments for a period of time—usually five to seven years. At the end of the time period, a final “balloon” payment for the remaining balance of the loan is due. With low initial rates, adjustable rate loans may be a good choice for borrowers who plan to move before the balance becomes due.

We can tell you more about the various refinance options available to you.


What Our Customers Say

I am writing to bring to your attention the superior service I have received from your employee Ian Clardy. Throughout my recent mortgage application process, Ian has not only provided consistently clear, professional communication, but he also has always gone above and beyond to patiently and expediently address any of my concerns that arose along the way. In the 20+ years I have owned properties, and having gone through the mortgage and refinancing process at various points in between, I can honestly say that Ian was hands down the most responsive and service-oriented mortgage consultant I have ever worked with. His efforts to accommodate Trident’s customers should be commended. It is largely the result of my interaction with Ian that I will from this point forward unreservedly recommend Trident to friends, family, and colleagues alike. Ian is indeed a rare commodity, in the best sense of that term, and I believe that he is a tremendous asset to your organization. If you would like to talk with me further about my experience working with Ian, please do not hesitate to contact me. Sincerely, Dr. Edward J. Carvalho

~ Dr. Edward J. Carvalho