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Marty - Trident Home Loans

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Marty - Trident Home Loans last won the day on April 12 2018

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About Marty - Trident Home Loans

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    Crew Dawg

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    Pensacola Beach, FL

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  1. You’re welcome! Love to work with you in the future! I like Josh because his first quote is his best and he doesn’t play the used car salesmen game. About the most unethical thing I see in this business is lenders quoting high in hopes that the person doesn’t shop around and then when they do they say “well send me their quote and I’ll see what I can do” or “I’ll talk to Sr. management”. So the 90% who don’t shop around get screwed and the 10% get a quote that barely matches or beats by maybe a couple hundred bucks the quote of the ethical guy who was upfront from the beginning. I’ve been doing this for 15+ years and this exact scenario plays out like a record. When this conversation starts do yourself a favor and just run away. Any company that treats anyone, let along a veteran should be ashamed of themselves. Best quote upfront + great service = a great lender. That’s been Trident’s model since I started it and it’s not changing as long as I own the company. Off my soap box...let me know how it turns out with Josh. I only want to refer you guys to the best I can find in states we’re not licensed in. Marty Sent from my iPhone using Tapatalk
  2. Only heard great things about Josh in AZ! Recently referred another baseops guy to him and got great feedback. Great service and a great rate. I’d definitely shop the loan with him. Marty Josh Goldberg Mortgage Planner Direct: 480-459-4516 Cell: 480-510-6350 EFax: 480-718-7980 Main office: 480-459-4500 Josh.Goldberg@barrettfinancial.com Sent from my iPhone using Tapatalk
  3. Longest we do is 90 days and there is no cost to lock. 30-60 days locks typically give the best rate/pricing. Depending on the situation we can do a 90 day hedge lock and then float you down for free at the 30-45 day point if rates/pricing are better. Best thing is just to call us and talk through what you’re looking to do. Marty Sent from my iPhone using Tapatalk
  4. Hey RASH, Have him give Jon a call or email. He’s our loan officer licensed in WA. We’re typically .25-.375 lower than the national average on conventional loans, but Jon can work up some specific rates for him. We’ll make sure to give him the best deal we can. Try to make it as painless as possible. Marty Jon: 850-377-1114, jk@mythl.com Sent from my iPhone using Tapatalk
  5. Thank you Sir! Jon’s team devoted to our Baseops loans has been doing a fantastic job! Bri is incredibly knowledgeable and she’s always ready to fight for our clients! It’s a great time to get a mortgage with rates dropping due to the market decline. Also if you have a 4.5% rate or above you should consider seeing if a refi makes sense. Yesterday we started seeing 3.875% no points on 30yr VAs. We’re still sitting .375-.5% below all the big names doing VA loans. Cheers! Marty Jon’s contact info: jk@mythl.com Cell: 850-377-1114 Sent from my iPhone using Tapatalk
  6. Just letting you guys know that the VA just announced the increase in the loan limit to $484,350 for any loan closing after 1 Jan '19 that we were expecting. That's just the standard limit and many counties have higher loan limits which you can look up here: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp You can still buy above the loan limit but you need to put down 25% of the difference between the limit and the purchase price. Also, if you're looking for some simple tricks on how to get a lower interest rate check out the article Jon wrote for the Dec issue of Aero Crew News (page 24) https://www.aerocrewnews.com/acn/2018/12-ACN-Dec-2018.pdf Enjoy the holidays! Marty
  7. We’d be happy to help you! We’re .5% lower than the 2 biggest VA lenders in the country when I checked their websites on Fri. Give Jon a call (850-377-1114 or jk@mythl.com) and he’ll get you pointed in the right direction. Marty Sent from my iPhone using Tapatalk
  8. Thanks for sharing Amy! I’m sure the VA will follow suit in the new couple weeks too. In addition to raising the limit it also gives you more buying power if you need a second VA loan. For example if your first VA loan was for $200K, you will now be able to rent your first property out and get a second VA loan on a new property for up to $284,350 with zero down. Same situation but you’re buying in a high rent district and the county limit is 726k you can get a second use VA for up to 526k with zero down. If the house costs more than the entitlement you have left then you just need to put down 25% of the difference between the purchase price and the entitlement you have left. Cheers! Marty Sent from my iPhone using Tapatalk
  9. Trident recently worked with Danny (info below). He was a good guy. It’s definitely a seller’s market so you should do good. Good luck! Let me know if I can do anything for you. Marty Danny Force Realtor at DFW Legacy Real Estate Group 817-903-5442 danny@dannyforce.com http://www.dannyforce.com Sent from my iPhone using Tapatalk
  10. Absolutely! Shoot Jon an email with the address (jk@mythl.com) and we’ll get it to you. Also ask a realtor for a CMA (comparative market analysis). It’s a similar product but on the realtor end of things. Between those two you should have a good idea of what to list your place for. Let me know if you need anything else. Marty Sent from my iPhone using Tapatalk
  11. Hi Seth, Here are some general thoughts...call me if you want to talk specifics 850-346-0250. I'm actually in the process of building a custom home for myself in the FL Panhandle. Customer versus builder financed: Customer: You get a bank loan to buy the lot and do the construction. Most banks will try to sell you on a construction to perm loan. They will say they are easier because there is only one closing. The problem is they'll give you a crappy rate or offer you an ARM. You'd do better to just do a construction loan with them and the perm with us. It'll save you tens of thousands over the life of the loan. I can do construction to perms and I don't even recommend my own product to guys because I can see how much they'd save doing it the other way. Nice thing if you finance is you can try to have the builder let you buys the materials and then he just charges for labor an maybe a 10% fee on top of materials. You can shop around for sales and deals that a builder won't waste their time with. Also if you're planning on doing a construction to perm VA loan make sure the builder is VA financed. Lastly, make sure you write into the contract cost and time over run penalties. I've seen customer financed homes go over schedule by months and by tens of thousands of dollars. You don't want to get stuck paying more in interest because they took their sweet time. Builder financed: Nice because there are less loans and paperwork. You design the house and they build it. Then you get a normal mortgage with us as they near completion. Builders are also more careful with time/cost because they are footing the bill until closing. You probably won't be able to shop around for your own materials. Also you don't have to worry if they are VA certified or not. Downside is it'd be a custom home but probably based on some set of plans that has been built before so not totally unique. Just depends on what you're going for. Texas: You're probably tracking but Texas and the Dallas area specifically has some very high property taxes which you'll want to factor into what you can afford on a monthly payment. If you do a conventional loan with 10% we can waive your escrows for free which will lower your monthly payment and your prepaid costs at closing. You're then responsible for paying your own taxes and insurance. Hope this helps! Call me if you want to chat more! Cheers! Marty
  12. Thank you Sir! Glad we could help get you setup for your PCS! Jon (jk@mythl.com or 850-377-1114) is handling all our Air Force loans with the help of Lisa, Bri and Elena so everyone should get great service! Off topic: Jon just wrote a great article for Aero Crew News on pilot lending that I'm attaching. If you haven't checked out Aero Crew News and you're thinking about making the jump to the airlines it's a great read. It's geared towards regional hiring, but the contract comparison section covers both the majors and regionals. Understanding pilot contracts will make you a lot of money and get you better QOL. Here is the PDF link to the full magazine: https://www.aerocrewnews.com/acn/2018/10-ACN-Oct-2018.pdf Cheers! Marty Aero Crew News.pdf
  13. Couldn’t have said it better myself! Nice job! Keep an eye on the 10yr treasury bond. It’s been hitting 3.10% and this time last year it was 2.1%ish. A month ago at Trident I was doing 3.875% 30yr VAs and the bond was about 2.82%. Today I’m doing 4.25% and the bond is about 3.10%. Hope that gives you some insider info. Rates are still low from a historic perspective. Marty Sent from my iPhone using Tapatalk
  14. Starting today Trident will give you a free AVM (automated valuation method) appraisal to help you determine what your house is worth or what a good offer range is on a place you're looking to buy. Physical appraisals are the best but cost $450-750. An AVM can get you to the 90% solution. They can even be accepted in lieu of a physical appraisal on some streamline refinances. AVMs are based on comparable sales or houses on the market in your area which is what an appraiser runs their numbers off. I think this will really help you guys out get top dollar when you sell and not get ripped off when you buy. It'll also help you to determine if you can do a cash-out refinance to pull some equity out or get your mortgage insurance removed. Happy to do this for you guys! You guys have been awesome to Trident and I always reward loyalty! Marty E-mail Jon (jk@mythl.com) with the property address and he'll shoot the AVM your way. I attached a sample AVM for you to check out. They're awesome! Sample AVM.pdf
  15. Thank you Sir and also thank you for making the effort to get back on baseops to post this! I’ll definitely make sure to recognize Michael and Kayla! They saved the day not me. I’m at a Navy carrier pilot convention/reunion in Reno right now with my team and the USAA rep told me he doesn’t even do his mortgages with USAA. Please shop around Marty Sent from my iPhone using Tapatalk
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