First Time Homebuyers
We provide innovative homeownership solutions that promote self-worth in our customers and strengthen the communities we serve.
Who We Are
Link Home Loans offers a new homeownership innovation that provides access to home financing for those in the gap between renting and owning. We provide a direct loan to consumers having a difficult time qualifying for a traditional home mortgage.
With a Link Home Loan, the customer enjoys a fixed interest rate and financing for up to 40 years, while receiving down payment assistance in the form of a second mortgage. Monthly payments are fixed and based on the underlying terms of the FHA OwnOption Mortgage.
A single monthly payment covers the principal, interest, taxes and insurance on both the first and second mortgage. With Link's 40 year term, monthly payments are more affordable.
Qualifying for a Link Home Loan
Link Home Loans fill the gap for Americans seeking homeownership that would otherwise be locked out. Offered through Trio's approved network of lenders, Link provides 100% financing to college graduates, first time home buyers, small business owners, gig workers, those with student loans, ITIN borrowers and multi-generational households.
If you don't have the down payment or qualify for a traditional home mortgage but have the cash flow to make your payment, then a Link Home Loan is for you. Qualifying is simple with no limitations on household income and a minimum credit score of only 580. Link leans on your rental history and employment for most approvals.
Link provides participating lenders with uniform national underwriting guidelines and a solution for applicants that would otherwise be denied. Through Link, lenders can expand their offerings to help more households bridge into homeownership and save closings that would otherwise be denied.
Life Happens Moments
Credit Score of 580+
No Down Payment Required
Cash Flow Supporting Payment