Truss Financial Group Enters Direct Lending in California

Truss Financial Group, a mortgage originator known for flexible home and investor loans, has taken a significant step in its operational strategy by entering direct lending. The move, announced on September 3, 2026, aims to better serve self-employed borrowers, real estate investors, and seniors by eliminating intermediary delays and offering faster, more transparent lending processes.

Effective immediately, Truss Financial Group (TFG) has launched direct lending operations in California, with plans to expand to other states in the coming quarters. This transformation allows the company to underwrite, approve, and fund loans directly, providing a more streamlined experience for its clients.

"We are excited to expand our operations into direct lending, a critical move that aligns with the evolving needs of our clients," stated Jeff Miller, CEO and Founder of Truss Financial Group. "This shift will enable us to offer faster funding and greater transparency, particularly for self-employed business owners and real estate investors who require reliable liquidity."

The new direct lending framework complements Truss Financial Group's existing nationwide financing capabilities. By handling underwriting, approval, and funding in-house, the company can process loan files more quickly, review documentation more efficiently, and make credit decisions based on alternative-income financial profiles.

Truss Financial Group's direct lending capabilities include several specialized loan products tailored to specific client needs: - Self-Employed Bank Statement Loans: Small business owners and entrepreneurs can qualify using 12 to 24 months of bank statements or 1099 forms, bypassing traditional W-2s or tax returns. - DSCR Investor Loans: Residential real estate investors can qualify based on property rental cash flow, reducing the need for personal tax returns or income verification. - Senior Equity & Asset Depletion: Retirees and mature homeowners can convert liquid assets into qualifying income or access equity without the standard income verification barriers.

These products are part of Truss Financial Group's robust hybrid lending infrastructure. In states like California, where direct lending is permitted, the company operates under DFPI License #60DBO-149268. Elsewhere, Truss Financial Group continues to leverage its extensive network of over 90 wholesale banking partners to cover 44 states and Washington, D.C.

"This flexible hybrid model ensures that our clients have access to the ideal financing combination," noted Jason Nichols, Partner and Chief Marketing Officer at Truss Financial Group. "Clients can benefit from faster turnaround times through our direct in-house funding channels while maintaining access to a wide range of competitive loan programs across the country."

For California homeowners specifically, localized program options for home equity lines of credit (HELOCs) are now available. These can be reviewed at Truss Financial Group California HELOC Solutions.

Truss Financial Group, headquartered in Ladera Ranch, California, operates under NMLS #2006915 and has been recognized as a premier mortgage company on the Inc. 5000 ranking. Founded by CEO Jeff Miller in 2006, the firm specializes in Non-QM loans, investor DSCR solutions, bank statement mortgages, and standalone second-lien HELOCs.