LOANTRUST

    Every mortgage product, one loan officer

    Get funded — whether it's your next home or your next deal.

    Buying your first home, refinancing, or building a rental portfolio — every scenario is reviewed by a licensed loan officer with access to the full product shelf. You get real numbers, not a rate table.

    • ✓ Term sheet you can compare against any other quote
    • ✓ First-time buyers, homeowners, and investors all welcome
    • ✓ LLC-friendly on investor deals · close in as little as 7–10 days

    Hans Michel · NMLS #2857209 · LoanTrust, sponsored by Loan Factory (NMLS #2377459)

    Loan type
    The deal
    Your profile
    Contact

    What are you financing?

    No tax returns to start · No SSN required · No impact to credit · ~2 minutes

    Programs

    Home purchase and refinance (conventional, FHA, VA) are quoted personally through the wizard above. Investor programs:

    TrustRental — DSCR

    Qualify on rent coverage. 30-yr fixed & ARM options.

    TrustFlip — Fix & Flip

    Purchase + up to 100% of rehab. Draws in days.

    TrustBridge — Bridge

    Fast close now, refinance into DSCR later.

    TrustBuild — New Construction

    Ground-up builds with staged draws.

    TrustMulti — Multifamily

    5+ units, DSCR-based leverage.

    Bank Statement

    Self-employed? Qualify on deposits, not tax returns.

    Common questions

    Do you do regular home loans too, or just investor deals?

    Both. Through Loan Factory (NMLS #2377459) we broker conventional, FHA, and VA purchase loans and refinances for homeowners alongside the full investor lineup — DSCR, fix & flip, bridge, new construction, and multifamily.

    Do I qualify based on my W-2 income?

    For a home loan, usually yes — but there are options if you're self-employed (bank-statement programs) or buying an investment property (DSCR qualifies the rent, not your income). The scenario review tells you which lane fits.

    How fast can LoanTrust close an investor loan?

    DSCR and bridge loans typically close in 14–21 days; fix & flip in 10–14 days once the appraisal is in. Pre-approved deals from the LoanTrust deal desk can close in as little as 7–10 days.

    What credit score do I need for a DSCR loan?

    Most programs start at 660, with the best pricing at 740+. The property's rent coverage matters more than your score.

    Will checking my options hurt my credit?

    No. The scenario review is a soft review — no SSN required, no hard pull — until you choose to move forward with a full application.