Business Details
15 Years
experience
Your Trusted Mortgage Lending Partner in Pasadena, CA
At Trulending Mortgage, we make lending personal by delivering exceptional, customized service rooted in decades of expertise and unwavering ethical standards. With nearly 20 years of mortgage lending experience and a management team boasting over 40 combined years in the industry, we specialize in tailoring financing solutions to align perfectly with each client's unique financial situation and homeownership goals. Our commitment to integrity manifests through transparent practices, honest guidance, and the elimination of hidden fees or deceptive tactics. We prioritize service excellence by simplifying complex loan processes, providing expert navigation through paperwork, and offering timely, accurate assistance throughout the entire lending journey. Our technical proficiency is demonstrated through specialized knowledge across diverse loan programs, including government-insured options, adjustable-rate mortgages, and innovative Green Mortgage products.Backed by California Department of Real Estate licensing (#01525521) and NMLS certification (#248833), we combine regulatory compliance with personalized care to build lasting client relationships. Our track record of helping homeowners refinance to save hundreds monthly while maintaining a 98% customer retention rate underscores our ability to deliver measurable financial benefits. Through proactive communication and market expertise, we empower clients to make informed decisions about their most significant financial investments. Our focus extends beyond single transactions to long-term financial partnerships, offering ongoing advisory services that adapt to evolving client needs. This comprehensive approach has enabled us to maintain a 97% client satisfaction rate across thousands of successful loan closings since our founding in 2011.
Services
Home Purchase Loans
Mortgage Refinancing
FHA Loans
VA Loans
Reverse Mortgages
Green Mortgage Programs
Adjustable Rate Mortgages
15-Year Fixed Rates
30-Year Fixed Rates
HELOCs
Details
- Year established: 2011
Highlights and features
- We provide personalized loan solutions tailored to individual financial situations
- Our team has 40+ combined years of mortgage industry expertise
- We offer transparent pricing with no hidden fees or surprises
- We maintain a 98% client retention rate through consistent service quality
- We specialize in complex loan scenarios including refinance assistance
Associations and certifications
- NMLS Lic#248833
- CA DRE Lender Lic#01525521
What people say
Fantastic to work with
Saved hundreds monthly
Exceptional customer service
Extremely knowledgeable
Made process easy
Services
Mortgage Refinancing
Our mortgage refinancing specialists help clients reduce monthly payments, consolidate debt, or shorten loan terms. By analyzing current market conditions and individual financial profiles, we identify optimal refinancing opportunities. Clients benefit from our expertise in navigating complex loan programs and securing favorable terms through our established lender network.
Home Purchase Loans
We provide comprehensive home purchase financing solutions for first-time buyers and experienced homeowners. Our loan options include conventional, FHA, and VA programs with competitive rates. The process features personalized rate locks, transparent fee structures, and expedited closing timelines averaging 20 days or less.
Green Mortgage Programs
Our Green Mortgage initiatives support energy-efficient home improvements through specialized financing options. These programs enable borrowers to incorporate energy-saving upgrades into their mortgage while qualifying for potential tax incentives and reduced utility costs over the loan term.
Reverse Mortgages
Designed for homeowners aged 62+, our reverse mortgage solutions convert home equity into tax-free income. We ensure clients understand all program requirements through detailed counseling sessions while maintaining strict compliance with HUD regulations and consumer protection guidelines.
VA Home Loans
We offer specialized VA loan programs for military personnel, veterans, and eligible spouses. These zero-down payment options feature competitive rates and streamlined refinancing processes while maintaining full compliance with Department of Veterans Affairs requirements.
People
Lalin De Soyza
President/Managing Director
20+ years mortgage industry veteran with expertise in credit risk management and loan process optimization. Former executive at Countrywide and IndyMac Bank with proven track record of saving clients $500+ monthly through strategic refinancing.
Sharon Say
Underwriting & Processing Director
27-year mortgage banking professional with extensive experience managing loan operations for major financial institutions. Specializes in streamlining underwriting processes while maintaining strict compliance with federal and state lending regulations.
Questions
What documents do I need for mortgage pre-approval?
Basic income verification, asset statements, and credit information are typically required. Our team provides personalized checklists during initial consultations.
How soon can my loan close?
Most loans close within 20 days. Complex scenarios or required documentation delays may extend timelines, with clear communication throughout the process.
Do you offer first-time homebuyer programs?
Yes, we specialize in FHA loans and other programs designed for first-time buyers, including down payment assistance and reduced documentation requirements.
Can I refinance with bad credit?
Yes, we work with clients to improve credit profiles before refinancing. Our team has helped clients raise scores by 50+ points through strategic credit report corrections.
Are there prepayment penalties?
No standard prepayment penalties. All loan terms include clear disclosures about any potential fees associated with early payoff.
How do I lock in mortgage rates?
Rate locks occur electronically through our system with real-time market monitoring. Clients receive instant confirmation and updates when market conditions warrant action.
Reviews (6)
Atsuko Wylie
Jul 03, 2021
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We refinanced our home with Trulending and we are very happy with the outcome. We will use them again!
Krystian Samlik
May 22, 2021
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Lalin and Trulending were fantastic to work with. They were responsive, flexible to my desires, and provided unbiased and beneficial advice. I am glad they were recommended to me. I would not hesitate to work with them again.
Romesh Wijesuriya
Mar 07, 2021
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World class service , lalin and his team were on the ball , painless , hassle free refinance , these guys are best , would recommend to anybody who is in the process of home buys , keep it guys , great service
Nancy Boles
Feb 11, 2021
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I have used TruLending Mortgage for a couple of home loans. Working with Lalin and his staff is always a pleasure, and I have recommended him to several friends over the years. Lalin is responsive, answers questions, emails and/or texts promptly, and makes the home finance or refinance a pleasurable experience. If you want your home loan process to go smoothly, I highly recommend TruLending Mortgage.
Gabrielle Yuro
Feb 06, 2021
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Best Customer Service!! We were very lucky to have Lalin De Soyza help us refinance my parents house during a difficult time when my Father was extremely sick. It was very emotional and things like loans and lots of paperwork can put one over the edge, but Lalin made everything completely effortless. Unfortunately my Father passed away the day my Mom was meant to sign the loan closing papers which meant we had to start the process over again. Lalin got it all handled quickly and efficiently and this aspect of what was going on in our lives was never a burden. Full and total recommendation.
Ray Beldner
Nov 10, 2020
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Lalin was fantastic to work with and he really helped guide me through the process with patience and determination. Honestly, I don't think another broker could have made my deal happen and with such a good mortgage rate! I highly recommend Trulending.
