products


Here at TRU, we offer loan programs specifically
tailored to meet your personal financial situation,
including: Conventional, Government (FHA, VA, USDA),
Jumbo, and specialty products (HARP, Reverse and
many others).
  TRU OPTIONS Description The TRU Process
Fixed Rate Loans
Variable Rate Loans
Interest Only Mortgages
Government Loans (FHA/VA/USDA)
HARP
Reverse Mortgage
JUMBO
NON-QM (NON-QUALIFIED MORTGAGES)
Second Mortgages
Down Payment Assistance Programs
HOW MUCH WILL MY MORTGAGE PAYMENT BE:
Additional calculators coming soon...
Payment Calculator

Loan Amount:
Interest Rate:
Term(Years):
Monthly Payment:
Total Payments:
Affordability Calculator

Loan Amount:
Interest Rates:
Term(Years):
Monthly Payment:
Total Payments:
Overpayment Calculator

Income Qualification Calculator

Rent vs Buy Calculator

Refinance Benefit Calculator

Buy Down Rate Calculator

Tax Benefits Calculator

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X Y Z

Adjustable Rate Mortgage (ARM):

interest rates on this type of mortgage adjusted up or down periodically depending on a specified financial index

Amortization:

repayment of a mortgage debt with equal periodic payments of both principal and interest.

Annual Percentage Rate (APR):

the finance charge for a loan recalculated to including points and loan fees in addition to the stated interest rate.

Appraisal:

an expert opinion of the value or worth of a property.

Automated Underwriting:

also called desktop underwriting, AU, and DU, are software programs that approve or deny mortgage applications. Almost all mortgages are run through automated underwriting for a decision.

"TRU has been very helpful and has provided detailed information regarding our options which allowed us to make educated decisions regarding our loan. Additionally, TRU dedicated the time we required to make the process simple and painless. I will definitely utilize their services in any future purchases!"
BETH S.
Temecula, CA
"We have done refinancing through another broker in years past, but the process was much smoother going through TRU. I would not hesitate to ask for their services again in the future. Quick responses made the difference in our case, which allowed us to lock in when rates dipped just enough to get the refi done for the amount we wanted (cash-out refi)."
ben j.
Murrieta, CA
"Great services. This is a quickest and smoothest refinance transaction I ever had. TRU always informed me up-to-date status of the process and at 5:00pm Friday TRU gave me the status of the week and what I should expect for the coming week. I have some missing papers but with TRU's help, the loan approval completed without any delay."
vickie
Eagle Rock, CA
"PROFESSIONAL!! QUICK!! HONEST!! This is the best way to describe the entire transaction with TRU. From the day I submitted an offer on my new home to the day I closed escrow I had constant communication and transparency with TRU.The knowledge they have and the follow up made me feel totally at ease and gave me so much trust that they would take care of me every step of the way; and they did! I never knew it would be so easy to buy a home and deal with getting a loan. I've heard constant horror stories about how much it changes throughout the process but I had no such experience with TRU and this was very easy and smooth. I can't say THANK YOU enough to TRU for everything they did for me :-) If you want your loan done RIGHT and want the reassurance you are being taken care of honestly and professionally then you don't have to look any further than the TRU team! I can't wait to recommend them to my friends and family as they enter in to buying their homes and investment properties!"
a. j.
Winchester, CA
"Awesome service! TRU explained all details from start to finish. Everything was accurate and fast all the way to closing. Definitely calling TRU when it is time to refinance again and we highly recommend them to everyone!"
D.
Hayward, CA

APPRAISALS

REFINANCING

FIRST TIME
HOME BUYER

COMMON QUESTIONS
ABOUT CREDIT

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