Use Trio’s Resource Center to jump into the details. Find out all the nitty-gritty details you need to feel confident in choosing Trio as your home lease-to-own option.
COSTS TO TRIO
WHY CHOOSE TRIO
TRIO LEASING PLANS
LEASE TIME FRAMES
AUTHORIZATION TO RELEASE
LEASE PAYMENT ESTIMATOR
HOME PRICE CALCULATOR
Here are answers to common questions about how Trio provides financing approvals.
With a few exceptions made for higher income households, the maximum payment you can qualify for with Trio is 38% of your gross household income. So if your gross household income is $5,000, your maximum payment would be $1,900 ($5,000 x 38%). Note that your approved payment may be limited due to your other debt obligations. Trio approves payments to a maximum of 50% of your gross household income less your other debt obligations (generally as reported on your credit report) or 38%, whichever is less.
Your approved maximum monthly payment may be increased upon your request or limited by Trio’s underwriting team should you have a larger amount of fixed obligations on your credit report. Items that may add to limitations on approved amounts could be from items like car payments, credit card payment, student loans, etc. Factors that lead to increased monthly payments include larger amounts of savings, higher credit scores and higher household income. See payment estimator to check how much you could qualify for with Trio.
All occupants over 18 must make application for Trio. If a member of the household doesn’t have income or has a lower credit score or lacks a credit score, Trio may not rely on their credit for approval, but they will be required to sign the lease and have a completed background check.
To estimate your maximum approved home price, go to Compare Trio and select the home price that is closest to your budgeted monthly payment. To estimate a monthly payment that you may qualify for, see Trio’s payment estimator.
You can qualify for Trio if your bankruptcy has been officially discharged by the courts. We will require confirmation of discharge on your credit report or a copy of your discharge paperwork before final approval.
You are eligible for financing with Trio as soon as your foreclosure or short sale has been recorded. Trio will require verification either from your credit report or from the title records on your home.
Provide your prior year tax returns and current profit and loss statement along with a copy of your most recent two months business bank statements.
Anyone who will reside in your Trio financed home that is over 18 has to apply to Trio. These same household members also sign your Trio financing agreement and are individually responsible for the terms of your financing.
You can qualify for TrioSelect if you currently own a home. Your income will need to support both homes, less any rental income. If you are relocating because of employment or family purposes, Trio may make an exception for you to qualify for TrioFirst.
Once you are approved, you have 90 days to finance a home before your approval expires. To update your approval, we will require updated credit scores as well as income and reserve documentation.
Trio Closing Tips
Authorization to release information
Broker Referral Form
Customer Purchase Tips
Trio Qualified Homes
Lender Release Form
Offer Submission Requirements
Trio Assignment Addendum
Trio Offer Submission Form
Trio Walkthough Checklist
Fidelity National Home Warranty Order Form
BPG Inspection Order Form
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We collect the personal data that you may volunteer while using our services. We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations. We may collect and use personal data for the additional purpose of evaluating your application for financing. If we wish to use your personal data for a new purpose, we offer you the means to consent to this new purpose.
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Trio is an Equal Housing Opportunity Provider. Please note that all information is provided for informational purposes only, for the exclusive use of potential Trio customers. Information contained on this website does not represent an offer or commitment to enter a lease-to-own agreement by Trio. Not all programs are available in all areas and lease pricing and costs stated do not apply to all leases made. Trio’s underwriting guidelines and program restrictions apply. Terms and programs listed are subject to change without notice. Trio only conducts business in approved states. Trio is an Equal Housing Opportunity Provider. Trio Residential, LLC is a licensed residential brokerage headquartered in the State of Washington, License # 19023.