We provide innovative homeownership solutions that promote self-worth in our customers and strengthen the communities we serve.

Who We Are

Link Home Loans are offered by Trio, the nation’s leading home financing innovator. Through Link, Trio offers a new homeownership tool for lenders that provides access to home financing for those in the gap between renting and owning. Link provides direct loans to consumers having a difficult time qualifying for a traditional home mortgage.

With a Link Home Loan, customers benefit from a fixed interest rate and financing for up to 40 years. Down payment assistance is available providing up to 100% financing. Monthly payments are fixed and based on the underlying terms of the FHA OwnOption Mortgage. A single monthly payment covers the principal, interest, taxes and insurance.

A Link Home Loan includes HUD approved counseling and financial assistance should a customer face a short-term hardship. With Link's 40-year term, monthly payments are more affordable.

Qualifying for a Link Home Loan

Link Home Loans fill the gap for Americans seeking homeownership that would otherwise be locked out. Offered through Trio's approved network of lenders, Link provides up to 100% financing to college graduates, first time home buyers, small business owners, gig workers, those with student loans, ITIN borrowers and multi-generational households.

If you don't have the down payment or qualify for a traditional home mortgage but have the cash flow to make your payment, then a Link Home Loan is for you. Qualifying is simple with no limitations on household income and a minimum credit score of 580. Link leans on your rental history and employment for most approvals.

Link Home Loans include a 40 year fully-amortizing home loan, a 20 year bridge loan and a 5-year convertible lease. All Link Home Loans are backed by assumable 30-year FHA OwnOption Mortgages.

Link provides participating lenders with uniform national underwriting guidelines and a solution for applicants that would otherwise be denied. Through Link, lenders can expand their offerings to help more households bridge into homeownership and save closings that would otherwise be denied.

First Time Homebuyers

Life Happens Moments



Credit Score of 580+

No Down Payment Required

Cash Flow Supporting Payment

Qualifying for a Link Home Loan is just easier than a mortgage. Select the link below to contact a lender to make your application.

Contact a Lender

Contact a Link Home Loan Lender

Link Home Loans are only available through participating Trio-approved lenders and featured new construction home builders. Special pricing is also available on select move-in ready homes through Trio. Link loans are a fantastic solution for those with a unique situations but have the cash flow to make their payments. Apply today and let your lender know you want Link for your housing future.

In Partnership

The Interagency Home Finance Cooperative, Trio, Money Management International, and participating mortgage lenders, all have one combined goal-to increase affordable and sustainable homeownership opportunities. To accomplish this goal, they have partnered together to extend credit and create solutions for potential homeowners who typically find themselves in the gap between renting and homeownership.

Featured Lenders

Link Home Loans works with reputable lenders providing a path for prospective borrowers to achieve the American dream of owning a home. Link your future to today - contact your mortgage professional and ask about a Link loan.