Trident Mortgage Group Inc.

My best friend referred me to Roger Kumar and I was never sorry during the whole duration of the refinancing process. Roger is very easy to work with not to mention knowledgeable and super kind. He kept us informed every step of the way. Thank you Roger for making the experience a great one.

A few months ago I read an article in the LA Times with regards to rates for re-​financing. The article referenced Trident Mortgage. I called Trident and spoke to Rodger and told him that I would like to re-​finance. He promptly explained what kind of a loan he thought would work for us and what the exact cost was and also what rate we could expect. Within the week we had faxed the necessary paperwork and shortly thereafter we were approved. Rodger was extremely professional and explained the new loan so we could easily understand what we were getting.
Over the years we have re-​financed but I have to say that Rodger was the best at being totally upfront about rates, cost, and the length of time to complete our loan. I would highly recommend him to anyone thinking of doing any kind of a home loan. As a matter of fact I called him again today to let him know if rates go lower we would like to re-​fi again.

Roger is the best! I had received mixed information from a few other loan officers and was referred to Roger by a friend. He told me how it was and he was right. He didn’t sugarcoat it, just the facts. We decided to move forward with Trident Mortgage Group and have been beyond satisfied! Highly recommended!

Roger kumar at trident mortgage was very helpful with our mortgage refinance situation. He followed through everything even the difficult process. He has been very helpful and now my husband and I can breathe because he made our refinancing smooth. I gave him all the stars there is.
Thank you!
Gwen

I have to say that working with Trident Mortgage Group has been one if the best experiences I have ever had.
I only write reviews on business’s that provide a great experience and superior results.
In dealing with Roger at Trident Mortgage Group I have learned two things.
1. You have to have a great mortgage broker to find you the best loan package that fits your needs. Mortgage loans are complicated and have many ramifications on your financial future but these guys kept it simple to understand.
2. Over the years I have been fortunate to be able to deal with a few very talented people in finance but Roger is simply superior as he walked me through the process step by step to completion.
Quite simply if you choose another mortgage broker and you are not satisfied with their performance (ie, creating aggravation or costing you money) you should kick yourself for not going with the team at Trident.
Rock on guys!

I first contacted Roger at 10:00 at night and received a phone call back within 5 minutes. I knew we were comfortable with him after a few minutes. He walked us through the entire process. He isn’t pushy or aggressive either in person or over the phone. He simplified the process and was clear and methodical. Being first time buyers freaked us out because there were so many other offers for the same place. The experience start to finish couldn’t have been any easier and stress free. His reputation is well deserved!

Roger, with Trident Mortgage, is the best in the business. We have purchased and refinanced multiple homes over the past 15 years — none of them have ever gone as smooth as our most recent refinance. I strongly recommend Roger at Trident Mortgage without hesitation. You will be happy!
The first time I called Roger to refinance, he advised us that it was not the right time to refinance. He suggested we wait for a few things to fall in line before we started the process. A couple months later I followed up with him again and he recommended that we move forward. I appreciated his honesty from the beginning and he continued to be very committed, trust worthy, and passionate. He was looking out for our best interest, rather than only trying to make a buck.
As we moved forward with the refi, he quoted us for a «NO COST» loan. I was very skeptical of this during the entire process. When all said and done, not only was this a «no cost» loan (no fees), we actually made money (to be applied to the insurance and taxes that were due at closing). It was AWESOME!
Roger really went above and beyond for us in order to get this deal done. He was on top of it every second. We closed in less than 3 weeks. We greatly appreciate all of his time, hard work and dedication to us, as his clients. We will definitely be returning to him for our future loan needs.

Roger and Ben are the best! These guys have been in the business for years and know what they are doing, they are professional and knowledgeable .We know there are several people that have used Trident Mortgage more than once for their mortgage needs.

I have alway dealt directly with my bank for any mortgage. But, the last endeavor took several months to close. I was repeatedly hassled about additional documents. I was told I needed to provide one document and then told to provide and additional one several days later. It surprised me how inexperienced and disorganized the bank was. I wanted to see if I could avoid it this time around and decided again dealing with my bank. Since my home value had increased substanially from the beginning of the year, I started looking around to better my rate and lower my payment. I would occasionally go to Unilocal to check out reviews for a new restaurant my girlfriends and I were going to day or two before. When I called and first spoke Roger, I was pleasantly surprised how easy he was to talk too. He was straight to the point and extremely professional. He exlained what he could do for me and how long it would take. Everything he told me he followed up and did. From the loan approval to the locking in the rate for my loan. Everything was documented for me to see. He kept me up to date throughout the process. In hindsight what I thought was a unique loan situation, in reality wasn’t unique at all. It just took the right person to explain and walk me through the steps of the process and to understand what was going on and why. His ability to make the process tranparent and simple made me very comfortable. My loan closed on time and without any delay. I attribute this the Roger’s experience and attention to detail. I highly recommend Roger for anyone looking for a straight forward home loan experience.

I had the pleasure of working with Roger and his team at Trident Mortgage this year for a cash-​out refinance on our primary home. Roger is an absolutely thorough, persistent, and knowledgeable industry professional. He is sincere and friendly. Everything he told us he did and on time! He knows what he is talking about and simplified the entire experience by walking us through the loan process from start to finish in a simple and understandable terms. He will take the time to talk to you about your options that work for you! I highly recommend working with Roger if you need superior hands on attention like we did.

Roger Kumar of Trident Mortgage recently handled the refinancing of our mortgage. I have done Refis with other Mortgage brokers at least 4 times in the past.
If I ever need to refinance my mortgage, I will definitely use Trident Mortgage again. Roger is a professional, and he got our loan rate locked in just before the rates took a big bump up recently. He got all the necessary paperwork submitted to the lender and we closed the loan on time and in less than 30 days. His fees were extraordinarily low, and he shows you all the loan fee details in advance of the closing.
He kept me updated throughout the process, and he found a lender that offered a very competitive interest rate, and that would listen to reason. Let me explain about the saga of this loan if you care to read on.
Someone electronically filed a fraudulent 2012 Federal Tax Return using my name before I got my paper version filed. By the way, you can avoid ever having this happen by establishing a PIN with the IRS that one must have to electronically file. I didn’t find that out until after I had this nightmare of a problem.
The fraudulent 2012 return showed me as single, living in Texas (In order to steal my tax refund) even though, I have been married for 24 years, always file a joint return, and have lived in the same home in Encinitas, CA for the past 14 years. None of the lenders would fund our loan due to a ‘technical glitch” in underwriting guidelines which requires a paper or electronic tax filing to match identically the lender requested 4506T (Lender verified and obtained electronic request for filed tax returns directly from the IRS).
Even though the lenders had copies of my most recent two tax returns showing substantial consistent income, low debts, and excellent credit, they would not fund my loan, simply because of the tax filing (fraudulent) that shows up on the IRS 4506T and the inability for the IRS to just remove it from showing after corrected. No common sense and no way to technically fix this glitch in lending guidelines.
Roger didn’t give up and months later found a lender in his network that would listen to reason. He was able to get them to understand what had happened. He kept me updated throughout the process, and secured a very competitive interest rate.
I will always work with Roger on any home loans I may need in the future.

We used Roger at Trident Mortgage Group to refinance our home last month. Despite the nonsense many lenders were demanding, Roger managed to get us our loan as promised and on time. The rate was as good as anywhere we shopped. He was diligent and patiently explained everything, answered all my questions, even over the weekend and few times after hours on his personal cell.
Our financial files were a giant messy pile and despite our lack of organization, Roger managed to get our loan application approved and locked in quickly and efficiently within an hour of our first conversation. We were hesitant to use a broker after hearing horror stories from friends of ours who worked with less competent Mortgage Brokers. Nothing was further from the truth here! Professionalism defined! I would highly recommend working with Roger and his team. He saved us a lot of stress and hassle going to a big bank.

Roger and Ben at Trident Mortgage have worked their magic for me three times now. Every year, rates have been lower so I’ve gone back to Trident. Each time, I got a ½ percent reduction in my rate, always lower than I could find anywhere else. All three times the refi was at no cost to me, so there was no down side, just a lower payment.
They make the process simple and painless, and it always comes out exactly as promised. No hidden fees, no surprises, and all handled very professional and above board.
Highly recommended.

We have recently refinanced the mortgage for our current home and got a new mortgage for a home we just purchased with Trident Mortgage Group. I found Trident based on the great reviews at Unilocal.Roger and Ben were great. They kept us informed throughout the entire process. We were able to get the refinance and the new mortgage done in a timely manner. We have a tone of questions, but Roger was very patient in answering them. We even called him a few times after business hours on his cell phone. Aside from the great service we received, we also got the best deal possible at the time. We will definitely recommend Trident to anyone who is looking to refinance or getting a new loan.

My wife and I just completed a refinancing and Roger and team provided exceptional service throughout the entire process. This is the third refinancing I’ve gone through and this was far and away the best experience I’ve had. The entire process was extremely simple and we finished the entire refinancing, from initial contact to loan funding, in a matter of weeks. Trident Mortgage Group has my highest recommendation and has earned my business going forward.

Roger has helped us with 4 refinances so far. He combines professionalism with a true concern for us as people. We had access to him any time, day or night to ask him questions. He got us amazing rates with no cost loans and got everything completed on time. He is extremely patient when explaining the different programs he has and gives us all the details we need to make an informed decision. We recommend him to everyone we know and would use him again, but I doubt the rates can go lower than our current one!

It is hard to imagine any person or company being more helpful, efficient or easier to work with than Roger (the president) and Ben were. It was a real pleasure working with them from start to finish. They were immediately on top of everything and were also extremely good at explaining and educating about all the different factors and aspects of the loan process. Additionally, what drew me to them from the beginning was that they gave me their best loan rate right up front. Another company then tried to beat theirs but that company had initially given me a rate .4 pts higher. I highly appreciated their being upfront from the beginning and so went with them, not to mention the fact that I received an excellent rate with very low c. losing costs. Throughout the process they struck me as being men of integrity, and I HIGHLY recommend them and their business.

Great service. Great experience. I was always more comfortable using banks than a mortgage broker for my home loan. However my opinion has completely changed because of the experience with Trident Mortgage group. I have used Roger and Ben for 3 refi loans on 2 different houses over the last 2 years. Each loan proceeded smoothly. I received great loan rates at essentially no cost. They made it very easy including having all the escrow documents available for me to sign at home. Both Ben and Roger are easy to talk to, they are efficient and interested in providing fantastic service. Highly Recommended

This is the 2^nd time I’ve used Trident and I can’t say enough about Roger and Ben! Not only do the make the process very easy. they BEAT everone with RATES and FEES. I’m a shopper and couldn’t be happier to highly recommend this company!!! We’ve had morgages with Bank of America (they love us) and Wells Fargo. Trident beats them hands down for customer service and efficientcy.

I re-fi’d last year & somehow (not sure how) found Roger & Ben at Trident Mortgage. I’ve never met them, but they did a GREAT job last year — and I’m «in the financial services business» so I know I got an outstanding deal and great service. During the course of the year, Wells Fargo pic Well, this year, THEY REACHED OUT TO ME to let me know that they could help again & they better’d my already great situation — no money changed hands.