FAQ Handbook

Trio makes exceptions for many life situations that a traditional lender does not. Examples include new careers, self-employment, down payment seasoning, tax liens, bankruptcy, short sale and foreclosure timing, etc. Trio was designed to help finance customers that have cash flow and solid credit, but may not meet today's restrictive underwriting standards.

For customer referrals to Trio, use the referral form on 'Getting Started' at trioresidential.com. On this form, input your customer's contact information and select 'loan officer'. Once submitted, your referral will be recorded in our database and can be reported to your company for tracking purposes.

First, determine if your customer's denial reason is something Trio will consider for an approval. If so, use our release form on thinktrio.com under Getting Started. Have you customer sign the document, then contact apply@thinktrio.com. with a copy of the release for a direct upload link for your customer's file. Trio processing will then evaluate your submitted file for approval.

If a customer has already selected a home and has a purchase agreement in process, be sure to communicate this to Trio and ensure the home itself meets our minimum qualifications. You, along with the buyer's agent, must also ensure there is enough time remaining for Trio to close and/or ensure the financing deadline is extended to allow Trio sufficient time to underwrite your client.