Mortgage Under Management

Mortgage Advice for Life

News, resources, case studies, and models that allow you to better advise your clients on the liabilities side of the balance sheet.

Managing Clients Mortgages Beyond Closing

Mortgages Under Management helps homeowners proactively manage their mortgage for the lifetime of their loan through ongoing guidance from the Lloyd Lending Team and collaboration with trusted financial professionals when appropriate.

Clients who work with the Lloyd Lending Team are automatically enrolled in Mortgages Under Management at no cost. However, any homeowner who wants proactive mortgage guidance — regardless of where their current mortgage is currently held — may participate. Through the program, homeowners receive strategic mortgage planning through periodic reviews, interest rate monitoring to identify refinance opportunities, and regular reports containing relevant market updates, insights, and tools.

For professional partners, Mortgages Under Management provides access to real-world case studies, mortgage scenario planning, and modeling support to help better advise clients on their mortgage strategy and the liability side of their balance sheet.

About Max Lloyd

My journey into the mortgage business started by growing up around real estate investors who constantly encouraged me to learn how deals really work. That early exposure shaped how I view lending. To me, a mortgage isn’t just a transaction — it’s a financial tool that should support bigger goals like investing, cash flow, and long-term wealth.

I believe clients deserve clear guidance, a smooth experience, and loan options that are intentionally aligned with where they’re headed — not just where they are today. A mortgage should fit into a broader financial strategy, not exist in a vacuum.

That mindset is what led my team and me at the Lloyd Lending Team to build a system focused on actively managing our clients’ mortgages over time, rather than simply closing loans and moving on. It’s also why we’ve developed specialized programs for entrepreneurs and self-employed borrowers — programs designed around how they actually earn, invest, and grow, not just how their income appears on a tax return.

Max Lloyd

Certified Mortgage Planning Specialist®
Founder of the Entrepreneur Home Loan Program
Trust Mortgage

Increase your Mortgage Under Management

Join our program and begin enhancing the way you advise clients on their mortgages and more today.

Frequently Asked Questions

Answers to common Mortgage Under Management (MUM) questions.

How do I enroll?

Sign up for our Mortgage Under Management program above or email [email protected] to join!

How does MUM work for Financial Advisors?

As part of MUM, you’ll receive ongoing insights, real client examples, and practical tools that support smarter conversations around mortgage strategy and debt planning. You’ll also have opportunities to collaborate more closely through co-branded events, joint annual reviews, and targeted marketing efforts designed to add value for your clients.

How does MUM work for clients?

Mortgage Under Management helps homeowners ensure their mortgage terms are aligned with both their short- and long-term financial goals — while proactively monitoring opportunities so they never overpay on their mortgage. This is accomplished through:

• Strategic Mortgage Planning

• Interest Rate Monitoring & Lock Strategy

• Rate Watch Reports & Monthly Market Digest

© 2025 Trust Mortgage LLC. Trust Mortgage LLC is a mortgage broker, NMLS#2491461, 2530 S Rochester Rd, Rochester Hills, MI 48307. Loans are arranged through third-party lenders. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program availability. Terms and conditions apply.

NMLS Consumer Access – https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2491461

© 2026 Lloyd Lending Team. All rights reserved.