Trina Wood at Universal Lending Home Loans

Trina Wood at Universal Lending Home Loans Grandma.

Trina Wood / Mortgage Loan Originator
NMLS #260645 Licensed in: MT, CO, WY, ND, AZ #0951044
Branch ID #2546257
Powered by Lower LLC, Equal Housing Opportunity Lender NMLS #1124061 Sinner saved by Grace
📊 32 years in the financial industry—yes, I started when faxes were cutting-edge and rates were double digits! 😄
🏡 Over 20 years in mortgage lending, helping people turn keys, dreams, and goals into r

eality
🔁 Specializing in Reverse Mortgages—because empowering seniors to access their equity without giving up their homes is a passion of mine ❤️
🤝 I’m your guide from start to finish—think of me as your home loan GPS (but friendlier and with fewer "recalculating" moments)
🗺️ Licensed in MT, ND, WY, CO & AZ—basically, if you can see mountains, cows, or cacti out your window, I’ve probably got you covered 😄
🙏 Grounded by faith, fueled by family, and committed to serving my community—both personally and professionally
👶 Best title I’ve ever earned? My sweet grandson keeps me laughing and makes everything brighter 💙
💬 I may not always be the best at staying in touch (life moves fast!), but I never forget a client and truly value the connections we've built
❤️ I don’t just help people get loans—I build relationships that last long after closing day
✨ Whether you're buying, refinancing, or exploring a Reverse Mortgage, I’m here to educate, encourage, and customize a solution that truly fits

🏡✨ JUST ASK TRINA ✨🏡If you could add ONE thing to your dream home right now… what would it be?👇☕ Huge covered patio🔥 Coz...
06/10/2026

🏡✨ JUST ASK TRINA ✨🏡

If you could add ONE thing to your dream home right now… what would it be?

👇
☕ Huge covered patio
🔥 Cozy fireplace
🧑‍🍳 Dream kitchen
🎬 Movie room
🚿 Spa bathroom
🚐 Shop/RV garage

I’m pretty sure half of Montana would choose the giant shop 😂

☕🏡 Saturdays look a little different in the mortgage world sometimes!While many people are enjoying the weekend, I’m oft...
06/06/2026

☕🏡 Saturdays look a little different in the mortgage world sometimes!

While many people are enjoying the weekend, I’m often helping clients with:
✔ Pre-approvals
✔ Last-minute questions
✔ Offer letters
✔ Game plans for house hunting

Because when the RIGHT house pops up… timing matters! 👏

If you’re planning to start house shopping soon, I’d love to help you get prepared before you fall in love with a home online 😊

❤️ JUST ASK TRINA ❤️Grandkids have a way of completely stealing your heart 💕Tell me… what’s your FAVORITE thing to do wi...
06/03/2026

❤️ JUST ASK TRINA ❤️

Grandkids have a way of completely stealing your heart 💕

Tell me… what’s your FAVORITE thing to do with your grandkids (or kids)?

👇
🎣 Fishing
🍪 Baking
🎮 Playing games
🏕 Camping
📚 Story time
🚗 Little adventures

Or share your favorite memory below!

⛳️ Happy Saturday! ⛳️Rainy skies may be taking a turn on our usual Montana sunshine this weekend ☔️, but we all know tho...
05/30/2026

⛳️ Happy Saturday! ⛳️

Rainy skies may be taking a turn on our usual Montana sunshine this weekend ☔️, but we all know those warm summer days will be back before we know it!

Until then, let's talk golf...

Are you:
🏌️ A serious golfer who keeps score
😎 A casual weekend golfer just out for fun
🚗 Mostly there for the cart ride and snacks
😂 Never swung a club in your life

BONUS QUESTION:
What's your favorite golf course in Montana? Drop it in the comments! 👇⛳️

🚗🎶 JUST ASK TRINA 🎶🚗You’re heading out on a long road trip… what’s playing first?👇 Pick your vibe:🎤 Country🎸 Classic Roc...
05/27/2026

🚗🎶 JUST ASK TRINA 🎶🚗

You’re heading out on a long road trip… what’s playing first?

👇 Pick your vibe:
🎤 Country
🎸 Classic Rock
🙏 Praise & Worship
🎧 90s Throwbacks
🎵 A little bit of everything

AND… tell me your favorite road trip snack too 👀🍿



Have You Tried This Yet?🍦 Billings friends… let’s talk about the newest sweet spot in town!Have you checked out Crispy C...
05/23/2026

Have You Tried This Yet?

🍦 Billings friends… let’s talk about the newest sweet spot in town!

Have you checked out Crispy Cones yet?

(If you haven’t heard—these are warm, fresh dough cones filled with soft serve, toppings, and all kinds of goodness 🤤)

Vote below 👇
👍 Yes – and I’m OBSESSED
😋 Yes – it was good!
👀 Not yet, but it’s on my list
🚫 Haven’t heard of it yet

💬 If you’ve been… what did you order?! Favorite combo? I need recommendations!

Just Ask Trina….Interest Rates vs. Buying TimingQ: Should I wait for interest rates to drop before buying?A:This is one ...
05/20/2026

Just Ask Trina….Interest Rates vs. Buying Timing

Q: Should I wait for interest rates to drop before buying?

A:
This is one of the biggest questions right now—and the answer isn’t one-size-fits-all.
Waiting might get you a lower rate…
But it could also mean:
📈 Higher home prices
📉 More competition
Here’s the strategy savvy buyers are using 👇

Buy when the home fits your needs and budget—then refinance later if rates drop.

💡 Pro Tip: You can’t refinance a purchase price—but you can refinance a rate.

Weekend Vibes🌿 How do you usually spend your Sundays?⛪ Church & family time🏡 Catching up at home🚗 Out and about explorin...
05/16/2026

Weekend Vibes

🌿 How do you usually spend your Sundays?

⛪ Church & family time
🏡 Catching up at home
🚗 Out and about exploring
😴 Rest & recharge mode

💬 What’s your perfect Sunday look like?

Just Ask Trina…. The Pre-Approval Advantage (But Make It Strategic)Q: Is getting pre-approved really necessary before I ...
05/13/2026

Just Ask Trina…. The Pre-Approval Advantage (But Make It Strategic)

Q: Is getting pre-approved really necessary before I start house hunting?

A:
Pre-approval isn’t just a box to check—it’s your competitive edge. In today’s market, it tells sellers you’re serious, qualified, and ready to move.
But here’s what most people don’t realize 👇

Not all pre-approvals are created equal. A strong pre-approval includes a full review of income, credit, and assets—not just a quick estimate.

That difference? It can be the reason your offer gets accepted over someone else’s.

💡 Pro Tip: Getting pre-approved early also helps uncover opportunities to improve your buying power before you fall in love with a home.

Address

2646 Grand Avenue Ste 2
Billings, MT
59102

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