Truss Financial Group Addresses $11 Trillion Untapped Home Equity Problem for Self-Employed Homeowners
Truss Financial Group (TFG), a specialized mortgage lender, has introduced alternative underwriting options aimed at helping self-employed homeowners access their home equity without having to replace their low-rate mortgages. This initiative comes in response to the recently published 2026 Home Equity Gap Index by The Mortgage Reports, which reveals that approximately $11 trillion in home equity remains untapped among U.S. mortgage holders.
The 2026 Home Equity Gap Index indicates that 43.3% of U.S. mortgaged homes are classified as equity-rich; however, much of this wealth remains inaccessible. Traditional bank underwriting guidelines often prove restrictive for the 15 million self-employed professionals in the nation, as standard tax write-offs can significantly lower their taxable income. Furthermore, homeowners with existing mortgage rates around 3 or 4 percent are often hesitant to pursue standard cash-out refinances.
To address this issue, TFG is utilizing alternative documentation options, allowing qualified borrowers to use 12 to 24 months of bank statements instead of relying solely on personal tax returns. This specialized Digital HELOC platform enables eligible homeowners to access up to $750,000 in equity while maintaining their current primary mortgage rates.
By focusing on verified gross operational cash flow rather than net tax-line profits, this second-lien program aims to support qualified entrepreneurs in sustaining their business momentum. TFG's automated platform performs a soft credit pull that generates transparent options, pairing complex-income applicants with flexible alternative documentation guidelines. As a result, qualified borrowers can experience quick funding timelines and complete secure transactions in just a few days.
Jeff Miller, founder and CEO of Truss Financial Group, stated, "Strong borrowers are often hidden by traditional paperwork. Modern lending must measure real financial strength, not just standard income documentation." He emphasized the importance of capital flexibility for real estate investors and independent contractors who need structured working capital for business growth without incurring additional costs from changing their primary mortgage rates.
TFG's lending capabilities are further reinforced by audited industry production data, with Jeff Miller ranking second in overall closings in the 2026 Scotsman Guide Top Originators rankings, completing 1,351 transactions and 569 Non-QM closings totaling $325.9 million.
Homeowners interested in exploring their options can check their HELOC eligibility or connect with a loan specialist through the Truss Financial Group contact portal, which allows for instant evaluations without hard credit inquiries.
Founded in 2006 and headquartered in Ladera Ranch, California, Truss Financial Group specializes in financing solutions for self-employed individuals, business owners, and real estate investors. The firm aims to provide alternative lending products and specialized equity access solutions designed for complex income profiles.