Whether you are financing a new home purchase, refinancing your mortgage to lower the rate or get cash, or need a home equity loan, Trident is here to help.

Or maybe you're purchasing an unusual property, need a jumbo mortgage, or have less than perfect credit. Whatever your needs you'll find that Trident's selection of loan products is unmatched. Just take a look at a few of the many programs Trident offers.

It's easy to get started with our online application. After you apply, a mortgage consultant will contact you to review your needs and explain the process. If you have questions, or would prefer to apply over the phone and schedule a personal appointment with the mortgage consultant in my office, please call:

Tim Lowry, 484-802-1093 (cell) 610-649-7410 (office). 

Tell Tim you were recommended by me, Fred Hamilton, and the rest will be easy.

To help guide you, I have included information about home financing that should be helpful:

	Mortgage Payments Mortgages undoubtedly constitute the biggest component of the total cost of owning a home. A mortgage is nothing more than a loan you take out to buy a home. This section covers the basics of how a mortgage works. more Also Includes: Smaller Down Payments
	Accumulating a Down Payment Before setting out to purchase a home, you should determine how much you will plan to put down. This covers the advantages of down payments of at least 20% of the purchase price as well as PMI (Private Mortgage Insurance). more Also Includes: Investing the Down Payment, Smaller Down Payments
	Closing Costs On the day when a home becomes officially yours, you will have to pay fees for the services of several parties. In a typical real estate deal, closing costs total 2 to 5 percent of the purchase price of the property. This section outlines them in detail. more
	Homeowner's Insurance Homeowner's insurance is mandatory. When you purchase a home, your mortgage lender won't allow you to close the purchase until you've demonstrated that you have proper homeowner's insurance. more
	PMI/Mortgage Insurance Almost all lenders today require you to purchase private mortgage insurance (PMI) if you put down less than 20 percent of the purchase price when you buy. PMI typically adds several hundred dollars annually to the cost of your loan. more Also Includes: Smaller Down Payments
	Property Taxes When you buy and own a home, your local government sends you an annual, lump-sum bill for property taxes. Property taxes are typically based on the value of a property. more
	Tax Benefits of Ownership One of the treasures of homeownership is that the IRS and most state governments allow you to deduct, within certain limits, mortgage interest and property taxes when you file your annual income tax return. more
	Tax Benefits of Selling When you go to sell your home someday, the IRS allows you to deduct home improvement costs from your profits before paying taxes on them. To take advantage of this, it is in your interest to track the amount that you spend on improvements. more Also Includes: Exclusion and Taxable Gains
	Maintenance and Other Costs Maintenance is difficult to budget for. You never know precisely when you may need to fix an electrical problem, patch a leaking roof, or replace the washer and dryer - until the problem rears its ugly head. more

.........................................................