Business Details
19 Years
experience
Veteran-Owned Mortgage Solutions in Florida
At Trident Home Loans, we are dedicated to simplifying the loan process through a proven methodology built on trust, reliability, and transparency. Our veteran-owned and operated company combines decades of military and commercial aviation experience with deep expertise in mortgage lending to provide personalized guidance for homebuyers and refinancers. With a team of nationally ranked loan officers, including the #1 VA loan originator in the country, we offer tailored solutions across 25+ states.Our commitment to excellence is reflected in our client-centric approach, which prioritizes clear communication, innovative processes, and a dedication to reducing stress while expanding options for every borrower. We maintain strict compliance with federal and state regulations while continuously refining our systems to improve efficiency and client satisfaction.
Services
VA Home Loans
Conventional Loans
FHA Loans
Jumbo Loans
Refinance Loans
USDA Loans
Investment Loans
Second Home Loans
Condo Loans
Details
- Year established: 2007
Highlights and features
- Veteran-owned with 5 nationally ranked VA loan officers
- Proven track record since 2007 with client referrals
- Specialized in VA loans with no down payment options
- Dedicated team approach with cross-department collaboration
- Licensed in 25+ states with streamlined processes
What people say
Excellent client care
Seamless process
Knowledgeable team
Transparent communication
Personalized guidance
Services
VA Home Loans
VA Home Loans are government-backed mortgage options for veterans, active military personnel, and eligible spouses. These loans offer zero down payment requirements and no mortgage insurance. Our team includes the #1 VA loan originator in the country, with expertise in maximizing veterans' benefits through specialized programs like split entitlement and IRRRL refinancing.
Conventional Loans
Conventional loans provide flexible financing options for primary residences, second homes, and investment properties. With down payments as low as 3% and competitive rates, these loans suit borrowers with credit scores above 620. Our experts help clients navigate Fannie Mae guidelines and optimize debt-to-income ratios for successful approvals.
FHA Loans
FHA loans offer accessible homeownership opportunities with 3.5% down payments and lenient credit requirements. Ideal for first-time buyers or those recovering from financial hardship, these insured loans require mortgage insurance premiums until 80% loan-to-value is achieved. Our specialists guide clients through the qualification process and seasoning period requirements.
Refinance Loans
Refinance options include rate-term adjustments, cash-out equity access, and VA IRRRL programs. Our streamlined process helps clients reduce monthly payments, remove mortgage insurance, or access home equity. Expert analysis ensures optimal timing based on market conditions and individual financial goals.
USDA Loans
USDA loans provide zero-down financing for eligible properties in rural areas. These government-backed loans require minimum credit scores of 620 and income limits tied to county medians. Our team assists clients with eligibility verification through USDA maps and guides them through the unique application requirements for primary residences.
People
Marty Medve
COO | Sr. MLO (NMLS 86840)
A Navy Carrier Pilot turned commercial airline pilot and Senior Broker, Marty graduated from the US Naval Academy with a Mathematics degree. With aviation and mortgage expertise, he leads operations at Trident Home Loans.
Tim Moor
CEO | CFO | Sr. MLO (NMLS 86848)
Tim combines military aviation experience as a Navy Tomcat Pilot with financial expertise from Emory University and Mississippi University. He leads strategic direction while maintaining hands-on involvement in mortgage operations.
Ashley Barber
Director of Operations | Sr. MLO (NMLS 1013732)
As Mortgage Guru and Operations Director, Ashley ensures company vision execution across departments. She focuses on organizational growth, development, and maintaining positive company culture.
Victoria Johnson
Director of Processing | MLO (NMLS 1584976)
Victoria leads loan processing with expertise in conditional approvals and regulatory compliance. She implements process improvements to enhance efficiency while maintaining strict adherence to federal and state mortgage regulations.
Christy Wilks
Director of Set Up | MLO (NMLS 152379)
With over a decade in mortgage lending, Christy has been instrumental in Trident's growth since 2007. She oversees loan setup processes and ensures smooth implementation of company-wide operational strategies.
Questions
What loan programs do you specialize in?
We specialize in VA, conventional, FHA, USDA, jumbo, and investment property loans with expert guidance for each program's unique requirements.
Are you a veteran-owned business?
Yes, we're veteran-owned and operated with 5 nationally ranked VA loan officers, including the #1 VA loan originator in the country.
What states do you operate in?
We provide mortgage services across 25+ states with locally knowledgeable loan officers in each market area.
Can I refinance my existing VA loan?
Yes, we offer VA IRRRL refinancing with minimal documentation and no appraisal requirements for qualified borrowers.
What credit score do I need for a conventional loan?
We typically require minimum credit scores above 620 for conventional loans with down payments starting at 3%.
Do you offer USDA rural housing loans?
Yes, we offer USDA loans for eligible properties in rural areas with zero down payment options for qualified applicants.
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