TRU with Dan Frio
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Find the Right Mortgage Option For You

Tell us about your goals

Purchase

I want to buy a
home

Refinance

I'm ready to
refinance

Talk with Us

I want to see if I qualify
to buy my first home

Your 35-Year Mortgage Specialist — Licensed in All 50 States & Puerto Rico

At TRU with Dan Frio, we do more than offer loans — we simplify the entire mortgage experience. With 35 years of lending expertise, we help homebuyers, homeowners, and real estate professionals make confident financial decisions.

Our slogan says it all:

One application. One credit pull. Compare 30+ lenders.

That’s the power of choice. Whether you’re buying your first home, refinancing, or investing in property, we help you find the right mortgage — not just any mortgage.

A Smarter Way to Get a Mortgage

We’ve streamlined the mortgage process so you can shop like a pro:

  • 📝 One Application: Complete a single, secure application.

  • 💳 One Credit Pull: Protect your credit score with one soft inquiry.

  • 🏦 30+ Lender Comparison: Instantly compare rates, fees, and programs across top lenders nationwide.

Our technology and partnerships mean faster approvals, more transparency, and a better deal — every time.

Loan Programs for Every Situation

No two borrowers are the same, which is why we offer one of the broadest product selections in the industry:

  • Conventional Loans: Great rates for qualified buyers.

  • FHA & VA Loans: Low down payments and flexible credit options.

  • USDA Loans: Zero-down options for rural properties.

  • Jumbo Loans: Financing for luxury and high-value homes.

  • Investor & DSCR Loans: Designed for real estate investors and rental income-based financing.

  • Non-QM & Bank Statement Loans: Ideal for self-employed or unique income situations.

  • Refinance Programs: Lower your payment, shorten your term, or tap into home equity.

Whatever your financial goals, we’ll match you with the right loan from the right lender.

Mortgage Education & Resources for All

Our mission is to educate and empower. That’s why we built The Rate Update YouTube Channel, a trusted source for daily mortgage news, rate forecasts, and housing insights.

We break down complex topics like:

  • What’s really moving mortgage rates

  • How Fed decisions affect your buying power

  • Smart refinance strategies

  • How to qualify for investor or DSCR loans

  • Tips for realtors and loan officers to grow their business

Whether you’re a first-time buyer, seasoned homeowner, or real estate professional, you’ll find the information you need to make smart moves in today’s housing market.

Why Choose TRU with Dan Frio?

  • 🕒 35 Years of Experience: Decades of mortgage market insight.

  • 🌎 Licensed Nationwide: Serving clients in all 50 states and Puerto Rico.

  • ⚡ Fast, Transparent Process: From pre-approval to closing, we simplify every step.

  • 💡 Education-First Approach: We help you understand every option before you decide.

  • 🎥 YouTube Community: Join thousands who watch our daily updates on mortgage trends and housing insights.

Start Your Mortgage Journey Today

Whether you’re buying, refinancing, or just exploring your options — TRU with Dan Frio is here to help.

📲 Apply Now: One application, one credit pull, and access to 30+ lenders.
🎓 Learn More: Watch us on YouTube at The Rate Update with Dan Frio for daily mortgage education.
💬 Talk to Us: Get a personalized rate quote or loan comparison today.

At TRU with Dan Frio, you’re not just getting a mortgage — you’re gaining a partner who’ll help you understand it, maximize it, and use it to build wealth.

First Time Home Buyer Guide

Disabled VA

VA Refinance

FHA Loan Requirements

Understanding Your Credit Scores

Reverse Mortgage

Begin Your Home Loan Process Today!

1

Answer a few questions

Tell us what you're looking for so we can match you with the perfect mortgage

2

Find your lender

We'll search for the top rates from our network of lenders in your area

3

Lock in your rate

I will compare rates from multiple lenders to identify the most competitive option and will be in touch shortly.

Mortgage Resources

Tools to help you along the way

What our clients say about us!

I'm almost done with my lending process and has been very smooth working with the entire team. They answer all my questions and show me they have my best interest in mind. Dan is a mortgage expert with a wealth of information whom you can benefit learning from. Everything is streamlined from start to finish and believe me you won't go wrong with this team. Not many brokers can emulate Dan's style. Although in their experience they must have seen many cases the entire team looked for specific options and were patient in understanding my unique situation. Thank you all.
- Light
Florida
Dan and his team have been nothing short of exceptional while helping us as first time homebuyers. Their online free information has been helpful in our learning, and they are always happy to answer questions. The process has been efficient and he has worked well with our realtor team despite being states away. I would highly recommend Dan and his team.
- Christopher D.
Texas
Dan and his team are very patient and helpful. Appreciate the team!
- Lisa M.
Illinois
If you’re looking for someone who treats you as a priority Dan is your man. He is available almost any time of the day, no question is too small, no request is too big. Dan sends videos introducing himself while explaining the steps so anyone can understand. Bring your VA loans!
- Rell W.
I contacted Dan's team to assist initially for my pre approval. They were able to assist with my family's needs every step of the way. I then reached out for assistance with a LE comparison and was shocked when I actually received a response from Dan himself! I am a firm believer that leadership starts at the top and models the behavior for the team to follow and that is very evident with Dan and his team. Dan is very friendly, knowledgeable, attentive, eager to help you achieve your home ownership goals. An amazing person leading an amazing team! Thanks again Dan.
- Marvin W.
Austin TX
5 STAR
- Bebo
Dan and his team are very knowledgeable, they know the ins and outs of mortgages. Dan is very responsive when you have a question or need his services. If you are in the market trying to buy your first or next home, Dan and his team are the perfect solutions for you. They will treat you and guide you so you can make the right decision. Recommended 100%
- Hector B.
The FrioTeam was very helpful and took care of all my needs, couldn’t have done it without them!
- Jay C.

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