“Troy was great at communicating every step if the process made all the signings convenient for me. He even met me at the bank to answer any questions overall his work is top notch. Thanks”
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linda r
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Every borrower’s financial picture is different.
I take the time to understand your goals, income, assets, property, and timing before helping you determine the appropriate financing path.
My approach is simple:
communicate clearly, offer honest recommendations, and thoroughly review the available possibilities before determining whether a financing path may work.
What You Can Expect
Clear Communication
You’ll know what is happening, why it matters, and what to expect next throughout the process.
Honest Recommendations
I’ll give you my professional perspective and explain the options available, even when the best answer may not be the one you initially expected.
Thorough Follow-Through
When a situation is complicated, I do not rush to say no. I review the details, explore the appropriate possibilities, and turn over the necessary stones before determining the next step.
A Strategy Based on Your Situation
Depending on your goals, income, assets, property, and timing, the appropriate financing strategy may involve conventional, FHA, or VA financing—or it may involve non-QM, asset-based, or private-money financing.
Frequently Asked Questions
Do I need to know what type of financing I need before we talk?
+ −No. We begin by understanding your goals and financial circumstances. Determining the appropriate path is part of the process.
Do all self-employed borrowers need non-QM financing?
+ −No. Some self-employed borrowers may qualify for conventional, FHA, or VA financing. The appropriate strategy depends on the complete financial picture.
Do you work with high-net-worth borrowers?
+ −Yes. Borrowers with significant assets, complex income, multiple businesses, or higher-value property goals may benefit from a more detailed review.
Do you only handle private-money transactions?
+ −No. My approach is to evaluate the full situation first. Depending on the circumstances, the appropriate strategy may involve traditional or specialized financing.
What should I prepare for the first conversation?
+ −Be ready to discuss your goals, income structure, assets, property plans, timing, and any concerns you have. You do not need to upload documents before the initial conversation unless requested.
First Step is Start with a No-Obligation Conversation
First Step is Start with a No-Obligation Conversation
Already Working With Troy? — Secure document upload
Already Working With Troy? — Secure document upload
Meet Troy Root
For more than 30 years, I’ve helped clients navigate important mortgage and real estate financing decisions.
As a Certified Mortgage Advisor, my goal is to understand what each client is trying to accomplish and recommend the strategy that best fits their needs.
I was born and raised in Fresno, California, graduated from Bullard High School, and attended Fresno State. I’m proud to serve Central California and borrowers throughout California.
Clear Guidance. Honest Advice. Thorough Follow-Through.
- 30 years of mortgage experience
- Certified Mortgage Advisor
- Clear, consistent communication
- Honest recommendations
- Thorough review before determining which financing path may work