TTrinathen LendingTrinity Lending · Central Texas BranchApply now

For buyers and homeowners · Residential lending

Get pre-approved.
Then go shopping.

Know your real number before you fall in love with a house. We look at the whole picture first — income, timing, goals, what comes after this purchase — then put the financing structure in writing. We don’t sell your information, and we’re here when you’re ready.

Apply now, about 5 minutesPlan the complete paymentCall 254-722-7764

Advice before an application

A rate is not a plan.

A mortgage is a decision about timing, risk, and what you want your money doing five years from now. The rate is one line of it. We start with the whole picture because the wrong structure at a good rate still costs you.

You will understand the program, the mortgage insurance, the cash to close, and the monthly reality before you sign anything. If a loan does not serve you, we will say so.

Our approach is different from other lenders. We’re here for peace, not pressure, and we’re here to help you shop for the biggest purchase of your life.

How it actually goes

Four steps, no mystery.

  1. 01

    A conversation

    Fifteen minutes on the phone. Where you are, what you are buying, when you need to be in it, and anything about your income that does not fit a simple box.

  2. 02

    Documents and credit

    You send income, assets, and identification. We pull credit once, with your permission, and verify what the file will actually support.

  3. 03

    Your pre-approval letter

    A real letter with a real number, plus a written breakdown of the payment, the cash to close, and the program tradeoffs. This is what your agent submits with an offer.

  4. 04

    Contract to closing

    Once you are under contract we coordinate processing, underwriting, appraisal, conditions, and the closing date. You hear from us on a schedule, not when you chase us.

What we will need from you

Four categories, that is all.

Income

Pay stubs, W-2s, and returns where self-employment, commission, or rental income is part of the picture.

Assets

Two months of statements for the accounts funding your down payment, closing costs, and reserves.

Credit

One authorized pull. We review the report with you rather than just reporting a score back.

The property

Address, type, occupancy, and any HOA. Some of this waits until you are under contract.

Loan programs

The right structure for the right move.

Conventional, FHA, VA, USDA, Jumbo, and Non-QM — along with investment property financing and reverse mortgage guidance. Having options only matters if somebody explains the tradeoffs, so that is the conversation we have.

Program availability and terms depend on the borrower, the property, and current investor guidelines.

See all loan programs
The application exists for when you are ready. Not as the price of asking a question.

Alan Cooper · Mortgage Loan Originator · NMLS #1912420

Questions people actually ask

Straight answers.

Is a pre-approval the same as being approved for the loan?
No, and anyone who tells you otherwise is doing you a disservice. A pre-approval is a documented review of your income, assets, and credit that tells you and a seller what you can reasonably finance. Final approval comes later, after a property is under contract and underwriting reviews the appraisal, title, and full file.
What do I need to hand over to get started?
For most files: recent pay stubs, two years of W-2s or returns if you are self-employed, two months of bank statements, and permission to pull credit. If your situation is less ordinary — commission income, a rental portfolio, a business — we will talk through what actually documents it before you go gathering paper you do not need.
Will checking hurt my credit score?
A mortgage credit inquiry has a small, temporary effect. Multiple mortgage inquiries inside a standard shopping window are generally treated as one event by the common scoring models, so comparing lenders does not stack penalties against you.
How long is the pre-approval good for?
Typically 60 to 90 days, because income, credit, and pricing all move. Refreshing it is usually a short conversation and updated documents rather than starting over.
Do I need twenty percent down?
No. Conventional financing can go well below that, FHA lower still, and VA and USDA offer zero-down paths for eligible borrowers. What down payment costs you in mortgage insurance, rate, and monthly payment is exactly the tradeoff we will put in front of you in writing.
Can I talk to someone before I fill anything out?
That is the preferred order. Call 254-722-7764 and have the conversation first. The application exists for when you are ready, not as the price of asking a question.

Start with the conversation.

Call and get a straight answer about where you stand. If you would rather begin in writing, the secure application is open around the clock.

Call 254-722-7764Apply now, about 5 minutesPlan the payment first

Trinathen Lending, LLC · Company NMLS #2783720 · Equal Housing Opportunity.

This page is general information, not an offer, commitment, or guarantee of credit. All financing is subject to application, documentation, underwriting, appraisal, property eligibility, program guidelines, and approval. Rates, pricing, and program terms change and are not quoted here.

Trinathen Lending, LLC is a Texas mortgage company and mortgage brokerage, Company NMLS #2783720, and is not a bank or depository institution. Licensing may be verified at NMLS Consumer Access. Equal Housing Opportunity applies to residential housing credit.