The firm’s growth centers on a structural gap in the U.S. housing market where more than $11 trillion in home equity remains trapped behind high interest rates. While traditional commercial lenders have tightened debt-to-income requirements, Truss Financial Group has scaled its portfolio of non-qualified mortgage products and second-lien home equity lines of credit.
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Truss Financial Group Hits Inc. 5000 List Amidst HELOC Boom
A 214% surge in three-year revenue has landed Ladera Ranch-based Truss Financial Group at No. 1627 on the 2026 Inc. 5000 list. The mortgage brokerage’s rapid climb highlights a shift in the housing market, as investors and entrepreneurs increasingly bypass traditional banks to unlock equity without refinancing their existing low-rate primary mortgages.
CEO and founder Jeff Miller attributes the company's expansion to the failure of traditional mortgage models to adapt to current economic conditions. By offering Debt-Service Coverage Ratio HELOCs, the firm allows investors to tap into property cash flow rather than personal tax returns. This approach has proven particularly effective for self-employed professionals who struggle to secure liquidity through conventional channels. The company, which originated in 2006, continues to focus on these alternative lending solutions to bridge the gap between locked-up equity and active working capital.
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