Mortgage Loan Officer

James Grady

James Grady

NMLS #2091919 

Maryland Licensed Mortgage Advisor

We have a passion for our clients’ true results and a pragmatic drive for action that starts Monday morning 8am and doesn’t let up.

Residential Loans

Why Loan Trust?

No Doc Mortgage Loans

Types of Mortgage Loan Programs

Loan Trust offers various types of mortgage loan programs for primary residence, second home or vacation homes, investment properties for residential and commercial loans.  Our mortgage rates are very competitive. We also offer business finance programs for established business owners.  Our clients love how we can do a “Soft Pull Credit Report” with no impact on credit scores.  We’re also one of the few lenders that can do NO DOC Mortgage Loans, with the income section left blank. No W2’s, No Tax Returns, No 1099’s.

Residential Mortgage Loan Programs

Get access to over hundred loan programs.

Conventional Loans

  • Conventional Purchase
  • Conventional Refinance
  • Conventional Cash-Out Refinance

FHA Loans

  • FHA 3.5% Down at 580 FICO
  • FHA below 580 FICO
  • FHA Refinance
  • FHA Streamline Refinance

VA Loans

  • VA Purchase
  • VA Streamline Refinance
  • VA Jumbo Loans
  • VA Streamline (IRRRL)

USDA Loans

  • USDA 100% LTV
  • USDA Streamline
  • USDA Home Improvement Loan

Self-Employed Loans & Independent Contractor

  • 1 Month Bank Statement
  • 3 Month Bank Statement
  • 12 Month Bank Statement
  • 24 Month Bank Statement
  • 1099 Income Loan
  • 95% LTV Jumbo Loans
  • 100% LTV Super Jumbo Loans

No Income Verification Loans & Non-Traditional

  • Investment Purchase
  • Investment Rentals/Air BNB Loans
  • DSCR Cash Flow Loans
  • No Doc Loans
  • Stated Income Loans

Bridge Loans

Foreign National Loans

  • Foreign National Stated Income 80% LTV
  • Foreign National Full Documentation
  • ITIN Non-US Citizen Loan

Reverse Mortgage Loan

  • Single Purpose Reverse Mortgage
  • Proprietary Reverse Mortgage
  • Investment Reverse Mortgage

Special Loan Programs

  • VOE Only Loan
  • Home Community
  • Family Ready
  • Puerto Rico Borrower Loan
  • Condotel Loans
  • Land Only Loans
  • Asset Depletion Loans

Commercial Mortgage Loan Programs

Get access to a variety of loan programs.

Property Types Financed

  • Apartment
  • Single Family Residence Investment Only
  • 2 – 4 Unit
  • Mobile Home Park
  • Office
  • Retail
  • Industrial Warehouse
  • Land 
  • Hotel 
  • Gas Station
  • Car Wash
  • Automotive
  • Medical
  • Restaurant/Bar
  • Cannabis
  • Self-Storage
  • Specialty Use
  • Marina

Loan Programs

  • Flex Perm Loans
  • Perm Loans
  • Bridge Loans
  • Construction (Private)
  • Fix & Flip (Rehab)
  • SBA Loans
  • Sale Lease Back Financing
  • Asset Based Financing
  • Hard Money Loans

Business Finance Loan Programs

Get access to business capital funding loans.

Business Capital Funding

  • Asset Based Financing
  • Accounts Receivable
  • Merchant Financing
  • Business Loans
  • Equipment Leases
  • Purchase Order Financing
  • Lines of Credit
  • Factoring
  • SBA Loans
  • Working Capital
  • Credit Loans

We enjoy working

What People Say

current mortgage rates Tampa FL
We were extremely pleased with the level of service provided by Andre from Loan Trust.....
New Homeowner's
current mortgage rates Tampa FL
These guys are great! Me and my wife are very satisfied with all the services we got. I’m definitely recommending…
New Homeowner

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Contact Details

If you are interested in working with us then please drop us a line, we would love to hear from you.

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