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Home Loans

Financing for every
chapter of homeownership.

Whether you're buying your first home, refinancing to a better rate, or pulling equity for a new goal — Trinoc structures the right loan around your situation.

Purchase, refi and equity
Free 24-hour review
Beverly Hills based
What we offer

Home loan solutions
for every step.

Purchase

Home Purchase Loans

Buying a primary residence, vacation home, or investment property. We find the right structure — conventional, jumbo, or private — for your situation and timeline.

  • Primary and secondary residences
  • Vacation and investment homes
  • Condos, townhomes and single-family
  • Fast pre-approval process
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Refinance

Refinance and Rate Reduction

Lower your monthly payment, shorten your loan term, or switch from an adjustable to a fixed rate. We shop our 150+ partner network to find the best terms for you.

  • Rate and term refinance
  • FHA and conventional options
  • Jumbo refinance available
  • No-cost refinance options
Apply now →
Cash-Out

Cash-Out Refinance

Access the equity you've built in your home. Use it for renovations, debt consolidation, education, business capital, or any other goal — your equity, your decision.

  • Up to 80% LTV on primary homes
  • Higher LTV on investment properties
  • No restrictions on use of funds
  • Fixed or adjustable rate options
Apply now →
Equity

Home Equity Loans

Keep your existing mortgage and borrow against your equity as a second loan. Predictable fixed payments, no need to refinance your primary mortgage.

  • Fixed rate, fixed payment
  • Lump sum disbursement
  • Faster closing than full refi
  • Use alongside existing mortgage
Apply now →
150+
Funding partners nationwide
24hr
Free case review turnaround
1,000+
Clients assisted since 2008
$1B+
Funding volume
Why Trinoc

A different kind
of lender.

150+ funding partners
We shop your loan across our full network to find the best rate and terms — not just what one bank offers.
Fast decisions
Free case review within 24 hours. No committees, no waiting weeks for an answer. Real people, real decisions.
Bilingual team
We serve clients in . Our team is here to make the process clear and comfortable for every client.
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No credit pull · Confidential · Response within 24 hours · No obligation
Your information stays private. We never sell your data.
FAQ

Common questions.

What credit score do I need for a home loan?
It depends on the loan type. Conventional loans typically require a 620+ score, while FHA loans can go as low as 580. For our direct lending products, credit score requirements are more flexible — especially for equity-based loans where your property value is the primary qualifier.
How long does the home loan process take?
Conventional loans typically close in 30–45 days. Our direct lending products can close significantly faster — sometimes within days for the right situation. After your free case review, we'll give you a realistic timeline based on your specific loan.
Can I get a home loan if I'm self-employed?
Yes. Self-employed borrowers can qualify with bank statement loans, Pand L-based loans, or asset-based programs. We specialize in non-QM products designed for borrowers with non-traditional income documentation.
What is the consultation cost?
Nothing. Your case review is completely free — no credit pull, no obligation, no pressure. We earn your business by solving your problem, not by charging for conversations.