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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

Thank you Michael and Lora for making this such a smooth process! And thanks Jim for suggesting we check with Michael and Trident. We can certainly say this was a pleasure. Thanks for endlessly answering my questions, and helping us start this new phase of our lives.

~ Susan & Lon