Questions,
answered.

No. Trinoc is a direct lender and financial services firm — not a federally insured bank. This is actually an advantage for our clients: we have more flexibility in underwriting, faster decision-making, and access to a wide network of private and institutional funding sources that banks simply don't offer.

We offer a full range including: home purchase loans, refinance (rate/term and cash-out), home equity loans, fix and flip, bridge and hard money, buy and hold rental (DSCR), commercial purchase and refinance, multi-family, construction loans, equity-based loans, asset-based funding, foreclosure intervention, business loans, working capital, equipment financing, and SBA alternatives. If you have a need not listed, call us — we evaluate every situation individually.

It depends on the loan type. For conventional home purchase and refinance loans, credit plays a significant role. For our equity-based, bridge, hard money, and asset-based loans, your property value is the primary qualification — not your credit score. Clients with bankruptcy, low FICO scores, missed payments, and non-traditional income regularly qualify with Trinoc through the right product.

Bridge, hard money, and equity-based loans typically close in 5–15 business days. Conventional home purchase and refinance loans follow standard timelines of 21–45 days. Commercial loans vary by complexity. Foreclosure situations are always expedited — call us immediately if time is critical.

We work on loans starting around $75,000 with no stated maximum for the right asset and borrower. For larger commercial and portfolio transactions, contact us directly to discuss structure and capacity.

Yes. We have multiple loan products designed for self-employed borrowers — bank statement loans, Pand L-based loans, DSCR loans (qualify on property income, not personal income), and asset-based programs. Self-employment is not a barrier with Trinoc.

We work with borrowers and properties nationwide. Specific loan products and availability may vary by state. Contact us with your state and loan type and we will confirm availability and identify the right approach.

Yes — if you have meaningful equity in your property. Even with an active notice of default or a sale date already scheduled, we can often intervene if the equity is there. Time is absolutely critical. Call us immediately at (714) 986-4792 and your case will be prioritized above all others.

Generally we look for at least 30–35% equity in the property, though this depends on the property type, location, and loan structure. The free case review will tell you exactly where you stand within 24 hours of your inquiry.

We review your case immediately — no waiting, no automated systems. A team member will contact you within 24 hours (often same day for urgent cases) to assess your equity, understand your timeline, and outline what options are available. There is no cost or obligation for this review.

The initial case review involves no credit pull. If we proceed to a loan application, there will be a credit inquiry. However, successfully stopping a foreclosure and returning to good standing on your mortgage will have a significantly positive impact on your credit over time compared to allowing the foreclosure to complete.

Step 1: Submit your free case review (no credit pull, no cost). Step 2: We review and contact you within 24 hours with your options. Step 3: If you decide to proceed, we issue a term sheet outlining the loan terms clearly. Step 4: You review, accept, and we move to closing. Most deals close within days to a few weeks depending on loan type.

Requirements vary by loan type. For equity-based and bridge loans: basic property information and a recent mortgage statement. For conventional loans: two years of tax returns, pay stubs or bank statements, and standard mortgage documentation. For business loans: business bank statements and basic financial information. We will give you a specific document checklist after your initial case review.

The initial case review and consultation is always free. Loan origination fees and closing costs are standard for funded loans and will be clearly disclosed in your term sheet before you commit to anything. We do not charge fees for reviewing your case.