Mortgages Done Differently
Our Mission: To Provide You the Tools to Grow Your Wealth Using Mortgage
# WHAT YOU EXPECT
We Have Offer To You
We offer personalized solutions tailored to your unique needs, providing exceptional service, expert advice, and a smooth homebuying process from start to finish.
Delivering a Great Customer Experience
We prioritize delivering an exceptional customer experience, going above and beyond to exceed your expectations and ensure your satisfaction every step of the way.
Refinancing Your Home with No Doubt
Refinance your home with confidence, leaving no doubt behind, as we guide you through the process seamlessly, providing clarity and peace of mind.
Work with The Best Wealth Advisors and Planners
Achieve financial success with the guidance of our top-tier wealth advisors and financial planners, ensuring personalized strategies to reach your goals.
Have Superior Power to Unlock the Most Out of Today's Rates
Harness the superior power to unlock today's best rates, empowering you to seize the opportunity and make the most of your financial endeavors.
# ABOUT US
We Are Fully Dedicated To Support You
At The Team Trolio, we are dedicated to turning your homeownership dreams into reality. With our team of experienced mortgage experts, we provide tailored solutions to meet your unique financial goals. Trust us to guide you through the mortgage process with professionalism, transparency, and a commitment to securing the best possible terms for your future home.
Experience You Can Trust
Personalized Solutions
Exceptional Customer Service
# CHOOSE YOUR SERVICE
Customize Your Mortgage Journey with Team Trolio
Home Loan Purchase
A Home Loan Purchase Mortgage from Team Trolio is your key to turning homeownership dreams into reality by providing the necessary financing to buy the home you've always wanted
Start Building Equity
Stability and Predictability in Monthly Housing Costs
Long-term Investment Potential
Home Loan Refinance
A Home Loan Refinance Mortgage from Team Trolio allows you to optimize your current mortgage by replacing it with a new one that better suits your financial needs.
Access to Home's Equity
Shorten Your Loan Term
Consolidate Debt and Improve Financial Stability
Do You Have Questions?
Check Out These Frequently Asked Questions
What is a mortgage?
A mortgage is a type of loan used for real estate transactions, allowing individuals to buy or refinance a property. It is a legal agreement between the borrower and the lender, typically a bank or mortgage company. The property being purchased or refinanced serves as collateral for the loan, which means that if the borrower fails to make the required mortgage payments, the lender may have the right to take ownership of the property through a process known as foreclosure. Mortgages generally involve regular payments, consisting of both principal (the loan amount) and interest, spread over a specified term, usually ranging from 15 to 30 years.
How does the loan process work?
The loan process involves several steps. First, the borrower completes a loan application, providing information about their financial situation. The lender then evaluates the application, assessing factors such as creditworthiness, income, and debt-to-income ratio. If approved, the lender issues a loan estimate outlining the terms and costs. Next, the borrower submits required documentation and proceeds with the loan underwriting process. Once all conditions are met, the loan moves to closing, where the borrower signs the necessary paperwork and finalizes the loan. After closing, the borrower begins making regular mortgage payments as outlined in the loan agreement.
What factors determine interest rates?
Mortgage interest rates are influenced by various factors, including economic conditions, inflation, the borrower's credit score, loan-to-value ratio, loan term, and the overall demand for mortgages. Factors such as the Federal Reserve's monetary policy, market forces, and the health of the housing market also play a role in determining mortgage interest rates. Lenders evaluate these factors to determine the level of risk associated with lending and set interest rates accordingly.
What is the difference between a fixed and adjustable rate mortgage?
A fixed-rate mortgage has an interest rate that remains constant throughout the loan term, providing borrowers with predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, typically after an initial fixed-rate period. This means that the monthly payments for an ARM can fluctuate over time, depending on changes in market interest rates. The choice between a fixed-rate and adjustable-rate mortgage depends on individual preferences, risk tolerance, and expectations for future interest rate movements.
How much down payment do I need to buy a home?
The down payment required to buy a home can vary depending on various factors, including the type of mortgage, the purchase price of the property, and the lender's requirements. Generally, down payments typically range from 3% to 20% of the home's purchase price. Some loan programs, such as FHA loans, offer lower down payment options, sometimes as low as 3.5%, while conventional loans often require a down payment of at least 5% to 20%. It's advisable to check with lenders and explore available loan programs to determine the specific down payment requirement for your desired home purchase.
OUR TEAM
Dominic Trolio
Team Trolio
Jennifer Shaw
Lead Processor
Brittani Houghtlen
Marketing Director
Josh Messick
Technology Director
Office: 3604 Preston Rd STE 300 Plano, TX 75093
Call 469-609-0519
Email:dominic@teamtrolio.com
Site: www.teamtrolio.com
TX Department of Savings and Mortgage Lending and Office of Consumer Credit Commissioner 2601 N. Lamar Boulevard, Suite 201, Austin, TX 78705 512-475-1350 and 2601 N. Lamar Boulevard, Austin, TX 78705, 512-936-7600
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT
. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT
All loans subject to credit approval. Rate and fees subject to change
In accordance with Section 326 of the USA PATRIOT Act of 2001, Ark-La-Tex Financial Services, LLC NMLS: 2143 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
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