Trust Home Financial

10/31/2026

Happy Halloween from all of us at Trust Home Financial! 🎃 Wishing every family a safe and sweet night of trick-or-treating.

Trust Home Financial LLC | NMLS ID # 2567578 | Equal Housing Opportunity
Licensed in MD, PA, VA, WV, FL, CO and CA
California Approved Name of Business: Trusted Home Financial LLC

10/27/2026

Thinking about buying in the next year? A homebuyer education class is a smart first step, even before you start looking at homes.

Some homebuyer assistance programs ask buyers to finish a homebuyer education course, so taking one early can save time later. You'll also learn how the process works, what to budget for and what questions to ask. HUD-approved housing counseling agencies offer these classes, and many offer them online.

We're happy to help you map out the steps and talk through local assistance options. Call (888) 392-5321, or find our contact page in the first comment.



Subject to eligibility and program guidelines.
Trust Home Financial LLC | NMLS ID # 2567578 (www.nmlsconsumeraccess.org) | (888) 392-5321 | Licensed in MD, PA, VA, WV, FL, CO and CA
California Approved Name of Business: Trusted Home Financial LLC
CO: Regulated by the Colorado Division of Real Estate. | Equal Housing Opportunity

10/26/2026

Has a family member asked you to co-sign on their mortgage? It's a generous thing to do, and it's worth understanding before you say yes.

A co-signer can help an application with added income, credit history or work history. A co-signer also takes on real responsibility: if the loan falls behind, it's on you too, and the added debt can affect your own borrowing later. The rules also differ for co-signers who won't live in the home, depending on the loan type.

Want to talk it through as a family? Call (888) 392-5321, or find our contact page in the first comment.



Subject to eligibility and program guidelines.
Trust Home Financial LLC | NMLS ID # 2567578 (www.nmlsconsumeraccess.org) | (888) 392-5321 | Licensed in MD, PA, VA, WV, FL, CO and CA
California Approved Name of Business: Trusted Home Financial LLC
CO: Regulated by the Colorado Division of Real Estate. | Equal Housing Opportunity

10/24/2026

Fall weekends are one of our favorite things about living and working in Washington County. Leaves at City Park, apple season out toward Smithsburg, a coffee downtown before the day gets going.

Where's your go-to fall spot around Hagerstown? Drop it in the comments. We're always looking for new ones.

Our office is open today until 1 PM if you'd like to stop in, and Monday to Friday 9 AM to 6 PM. Call (888) 392-5321 during office hours, or find our contact page in the first comment.



Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

10/23/2026

Grab your costumes, Hagerstown! 🎃

The Downtown Hagerstown Halloween Block Party is tonight, Friday, Oct 23, from 5:30 to 7:00 PM. 👻

🍬 Trick-or-treat with 20+ local businesses and organizations from Public Square down South Potomac Street (5:30 to 6:30)
🏰 Bounce house for the kids
🧙 Costume contests at Public Square starting at 6:30: kids first, then families and groups, then grown-ups

Our team will be there too! Look for Trust Home Financial on South Potomac Street, in front of The Maryland Theatre, and stop by to say hi.

Make a night of it: grab dinner, a coffee or a sweet treat from our downtown neighbors while you're here. See you tonight! 🧡

Parking: street parking, the Elizabeth Hager lot (no charge after 5 PM) or the A&E District Parking Garage on Renaissance Way.

Thanks to Downtown Hagerstown for hosting! 🧡



Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

10/23/2026

Myth: you need perfect credit to buy a home.

Credit matters, but it's one part of the picture. Different loan types, from Conventional to government-backed loans, have different credit guidelines. Your income, your debts and your savings matter too.

One easy step this weekend: pull your credit reports and check for anything that doesn't look right. Then let's talk about where you stand. Call (888) 392-5321, or find our contact page in the first comment.

What's one homebuying "rule" you've heard and wondered about? Tell us in the comments.



Subject to eligibility and program guidelines.
Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

10/22/2026

Commission, tips, bonuses, seasonal hours: income that changes from month to month is common around here, and it doesn't have to stop you from looking at homeownership.

Marc Rivera (NMLS #2809411), one of our Licensed Mortgage Loan Officers, shares what underwriting usually looks at:
1. Your income history, not one good month. Income that moves around is usually averaged over time.
2. Organized paperwork: pay stubs, W-2s and tax returns.
3. Self-employed? Some loan programs can look at bank statements instead.

Every file is different, so we look at the whole picture, with no pressure. Call (888) 392-5321, or reach Marc at his office line, (410) 680-3812. Our contact page is in the first comment.



Subject to eligibility and program guidelines. Marc Rivera is licensed in CA, CO, FL, MD, PA, VA and WV.
Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

10/21/2026

Not sure what to expect when you call a mortgage company? Here's what a first conversation with Trust Home Financial looks like.

1. We listen first: your goals, your timeline and whether you're thinking about a Purchase or a Refinance.
2. We look at the big picture together: income, debts, savings and credit. You don't need to have everything figured out before you call.
3. We explain your options in plain language. As a mortgage broker, we can compare loan options from multiple lenders, including Conventional, government-backed and Non-QM programs.
4. You leave with clear next steps: a short list of documents to gather, plus whether local help like the Hagerstown Homeownership Initiative may be worth a look.

No pressure and no obligation. Just a conversation.

Call (888) 392-5321, send us a message here, or find our contact page in the first comment.



Subject to eligibility and program guidelines. Hagerstown Homeownership Initiative subject to fund availability; Trust Home Financial LLC is not affiliated with the City of Hagerstown. Licensed in CA, CO, FL, MD, PA, VA and WV.
Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

10/20/2026

Buying a home in Hagerstown? The Hagerstown Homeownership Initiative is still open, and it can help eligible Home Buyers with the cost of buying a home, while funds last.

Trust Home Financial is Helping local Home Buyers see whether they may qualify, and we also offer our own in-house down payment assistance. No pressure, just a conversation about your goals and your timeline.

Call (888) 392-5321, or use the link in the first comment to get started.

Subject to eligibility, program guidelines and fund availability. Trust Home Financial LLC is not affiliated with the City of Hagerstown.
Trust Home Financial LLC | NMLS #2567578 | nmlsconsumeraccess.org | Equal Housing Opportunity

08/23/2026