Truss Financial Group Ends Home Equity Closing Delays With New Upfront Screening Process

New intake screening flags properties likely to require a manual title search, routing files onto the right closing path from day one instead of leaving borrowers to find out weeks into the process.

LADERA RANCH, Calif., Oct. 6, 2026 /PRNewswire/ -- Home equity borrowers are regularly surprised by closing delays they were never warned about, a problem Truss Financial Group (TFG) is now addressing with a new intake screening process for home equity applications, designed to deliver faster, more predictable closings by giving borrowers a clear timeline from the moment they apply.

The launch addresses a structural bottleneck affecting the broader home equity lending industry: title capacity. Title problems surface in more than a third of real estate transactions, according to industry survey data from the American Land Title Association, and most home equity applications clear title through automated decisioning, which checks a property against public records in minutes.

But a subset of properties, including those held in a trust or LLC, those with a deed transferred in the last 24 months, those with liens beyond the first mortgage, or those recorded in counties experiencing filing delays, cannot clear that automated check and require a full manual title search. With title companies nationwide running behind, a file that looks like a fast, streamlined close can quietly stretch into a multi-week process, often without the borrower learning about the shift until well after it happens.

"Borrowers deserve to know their real timeline on day one, not weeks into the process," said Jeff Miller, CEO and Founder of Truss Financial Group. "Not every property fits an instant workflow, and knowing which is which up front is what separates a predictable closing from a frustrating one."

Truss Financial Group's new screening process identifies these properties at the point of application and routes them directly onto a manual title path from the outset, rather than allowing the issue to surface later in the file. The result is a closing timeline borrowers can rely on from day one.

The update reinforces Truss Financial Group's focus on borrowers that automated, one-size-fits-all lenders are often not built to serve well, particularly self-employed homeowners and real estate investors, including those holding property in an LLC, who are more likely than most to need a manual title path. These borrowers already rely on Truss for income flexibility through bank statement loans, no-tax-return HELOCs, and DSCR-based home equity solutions. The new screening process extends that same borrower-first approach to the closing process itself.

About Truss Financial Group

Founded in 2006, Truss Financial Group is a premier mortgage lending institution headquartered in Ladera Ranch, California. The firm specializes in innovative financing solutions for self-employed individuals, business owners, and real estate investors. Transitioning away from highly commoditized agency lending, Truss leverages deep industry expertise to provide alternative lending products, bridge loans, and specialized equity access solutions designed for complex income profiles. Truss Financial Group is a licensed firm; for regulatory details and state licensing information, visit 
https://trussfinancialgroup.com/state-licensing.

Contact: Jason Nichols
CMO | Partner
Truss Financial Group
Email: [email protected] | Call: 888-878-7715

SOURCE Truss Financial Group