ThequietCloser

If you already have an FHA loan, an FHA Streamline Refinance may help lower your interest rate or monthly payment with minimal paperwork. In many cases, no appraisal or income verification is required, making it one of the simplest refinance options available.

This program is designed to help homeowners reduce costs, improve cash flow, and move forward faster—especially when market conditions improve. Truss Financial Group also offers guidance for Spanish-speaking borrowers navigating the FHA process.

Truss Equity Select is built for homeowners age 55 and older who want access to home equity without adding monthly mortgage payments. This program offers flexible income requirements while allowing homeowners to stay in their home and keep ownership.

It’s a modern solution for retirement planning, covering medical expenses, supplementing income, or simply creating financial breathing room. Truss Equity Select gives homeowners more control over how and when they use their equity—without the pressure of monthly repayment.

Learn more about Truss Equity Select:

Paperwork shouldn’t slow down your access to equity. With Truss Financial Group’s digital HELOC, much of the process happens online, from income verification to document uploads.

That means fewer emails, fewer back-and-forth requests, and faster decisions.

Digital HELOCs are ideal for homeowners who value speed, convenience, and transparency. Whether you’re planning a renovation or need flexible funds for future use, this streamlined approach keeps things simple while maintaining security and accuracy.

See how a digital HELOC works at Truss Financial Group:

New at Truss Financial Group: the DSCR HELOC, designed specifically for real estate investors. Instead of qualifying based on your personal income, this program looks at your property’s cash flow.

That makes it a strong option for investors who are self-employed, scaling their portfolios, or reinvesting rental income.

Whether you’re upgrading a rental, pulling cash for your next deal, or simply want flexible access to equity, a DSCR HELOC can help you move without refinancing your entire loan.

Accessing your home equity shouldn’t take weeks. With a no-appraisal HELOC, Truss Financial Group helps qualified homeowners tap into their equity without a traditional in-person appraisal.

Instead of scheduling inspections and paying appraisal fees, digital valuation tools are used to speed up the process.

This option is ideal for homeowners who need funds for renovations, debt consolidation, or large expenses, without disrupting their existing mortgage. The result? Faster approvals, fewer delays, and a smoother experience from start to finish.

A lot of investors think DSCR loans are off the table if their property doesn’t cash-flow strong enough. That used to be true. But new DSCR hybrid programs by Truss Financial Group mix bank-statement underwriting with rental income instead of using DSCR alone. This means you can sometimes qualify even when the DSCR is under 1.0.

TFG's Digital HELOCs are revolutionizing home equity access, approvals can take just days, not weeks. With Truss Financial Group, you can apply online, get instant pre-approval, and access your funds without refinancing your first mortgage. Perfect for home improvements or debt consolidation.

A Hybrid STR Mortgage blends the benefits of a traditional mortgage with the flexibility of DSCR lending. It’s designed for Airbnb and short-term rental investors who want to qualify using rental income, without losing long-term rate stability. This hybrid structure gives investors more control and better returns in 2025’s evolving market.

A Debt Service Coverage Ratio (DSCR) of 1.0 or higher shows your property’s rental income can cover the mortgage payment. Investors with higher ratios around 1.25 to 1.5, often qualify for better rates and lower risk assessments. DSCR loans let you qualify based on property performance, not personal income.

Instead of tax returns, bank statement loans use 12–24 months of business or personal deposits to verify income. This option is ideal for entrepreneurs, gig workers, and freelancers who don’t have traditional W-2 income. It’s a smart path for those whose tax write-offs make their income appear lower on paper.