Send the trust documents early
Trust review takes time. Providing the documentation up front keeps the file moving.
loan programs
Lending in a Trust
Property held in a trust can still be purchased or refinanced — the file simply includes a review of the trust itself.
Whether you’re looking to purchase a new property or refinance an existing one within a trust, our experienced team is here to help navigate the process smoothly. We specialize in trust lending, providing personalized guidance and support every step of the way. Let us leverage our expertise to find the lending solution that aligns with your unique financial goals and trust structure.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
When title is held in a trust, the lender reviews the trust documentation alongside the borrower's file to confirm how the trust is structured and who has authority to act.
This is routine work for a team that does it regularly, and it is usually the paperwork sequence — not the loan itself — that determines the timeline.
Who it may be a fit for
Families holding property in a revocable living trust
Borrowers refinancing a home already in a trust
Trustees purchasing on behalf of a trust
Estate planning clients coordinating with their attorney
Borrowers who moved title into a trust after closing
Not sure if Lending in a Trust fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Authority must be clear
The lender confirms who can sign on behalf of the trust.
Coordinate with your advisors
Boss Mortgage does not provide legal or tax advice. Keep your estate attorney in the loop.
Program availability varies
Not every program treats trust ownership the same way. Ask what applies to your scenario.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
What types of loans do you offer?
We offer a wide range of loan options, including Conventional, FHA, VA, USDA, Jumbo, and New Construction loans. Our team will help you choose the one that fits your needs and financial goals.
View Loan ProgramsHow do I get pre-approved for a mortgage?
Getting pre-approved is simple. Provide basic financial information, such as income, credit score, and debt details, and we’ll guide you through the process to determine your loan eligibility and budget.
How long does the mortgage process take?
The mortgage process typically takes around 30–60 days on average, but it can vary depending on the situation. It is recommended to get pre-approved for a mortgage to help keep the process as quick as possible.
What does a lender look at when reviewing a mortgage application?
Underwriting generally looks at income and how it is documented, assets available for down payment and closing costs, credit history, existing monthly obligations and the property itself.
Requirements differ by program and can change without notice, so the most useful next step is a conversation with a licensed Boss Mortgage loan originator who can review your specific situation.
What is the difference between a pre-qualification and a pre-approval?
A pre-qualification is an early conversation based on information you share about income, debts and credit. A pre-approval goes further: documentation is collected and reviewed so the letter you take to a seller reflects a more complete picture.
Ask your loan originator which one fits where you are in your search.
How do I know which loan program is right for me?
Program fit depends on the property type, how you plan to use the home, how your income is documented, your credit profile and how long you expect to keep the loan.
Boss Mortgage works with a wide range of programs, so a loan originator can walk you through the options that realistically apply to you rather than starting from a single product.
Other programs
LLC Lending
Financing real estate held in a limited liability company, with guidance from the Boss Mortgage investment lending team.
Learn more →
HECM / Reverse Mortgage
Home Equity Conversion Mortgage information for homeowners aged 62 and older, with guidance from Boss Mortgage.
Learn more →
Refinance / HELOC
Refinancing and home equity line of credit options from Boss Mortgage, and how to decide which one fits your goal.
Learn more →
Conventional Loans
Learn how conventional mortgage financing works, who it may suit and how to talk it through with a licensed Boss Mortgage loan originator.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.