Loan Programs — TrustPoint Lending
Lending you can bank on. (000) 000-0000  ·  NMLS #345678
TrustPoint Lending
Loan Programs

Six programs. One standard.

Whatever the loan, the discipline is the same: documented rates, in-house underwriting, and a closing date we treat as a commitment.

Our Specialty

Jumbo Loans

For loan amounts above conforming limits

Large loans deserve judgment, not checkboxes. Our jumbo portfolio is underwritten in-house by senior underwriters who understand complex income, substantial assets, and properties that don't fit an algorithm. It is the program our reputation was built on.

  • Loan amounts to $3.5M — higher by exception, reviewed case-by-case
  • As little as 10.01% down on qualifying loan amounts
  • Credit guidance: strongest terms at 700+, with in-house flexibility for well-documented files
  • Best for: luxury purchases, relocation executives, self-employed borrowers with layered income
Apply for a jumbo loan

Conventional

Fixed & adjustable · 10 to 30 year terms

The benchmark mortgage, executed properly. Competitive pricing on fixed and adjustable terms, with rate locks documented in writing the day you commit.

  • Down payments from 3% for qualifying borrowers
  • Credit guidance: 620 minimum; best pricing typically at 740+
  • Best for: established buyers who want the strongest long-term terms
Start an application

FHA

Government-insured · lower barriers to entry

A federally insured program administered with private-bank care. Lower down payment and credit thresholds, without a lowered standard of service.

  • Down payments from 3.5%
  • Credit guidance: 580+, with documented compensating factors below that
  • Best for: buyers building credit or purchasing with limited savings
Start an application

VA

For those who served · zero down available

An earned benefit, handled with the seriousness it deserves. Our VA team knows entitlement, funding fee exemptions, and the paperwork cold — so you don't have to.

  • 0% down for eligible veterans, service members, and surviving spouses
  • No private mortgage insurance, ever
  • Best for: eligible military families who want maximum buying power
Start an application

Refinance

Rate & term · cash-out · consolidation

A refinance is a calculation, not a gamble. Before you commit, we model your break-even point, total interest saved, and cash-flow impact — in writing.

  • Written break-even analysis before any commitment
  • Cash-out options to 80% of appraised value
  • Best for: lowering payments, shortening terms, or funding major projects prudently
Start an application

First-Time Buyer

Guidance-first lending for first purchases

Your first mortgage sets the pattern for every one after it. We pair first-time buyers with a senior officer who explains every line item — and we put the education in writing.

  • Down payments from 3%, with down-payment assistance program guidance
  • Credit guidance: a written improvement roadmap if you're not ready yet
  • Best for: first purchases where confidence matters as much as the rate
Start an application
A note on rates. We do not publish teaser rates. Your quoted rate reflects your actual file — credit, loan size, property, and term — and once locked, it is documented in writing and honored. For illustration figures, use our payment calculator.
Next Step

Not sure which program fits?

Apply once. A senior loan officer will review your file and recommend the program that actually serves you — with the reasoning documented.

Apply now
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