Every Trinity engagement starts with a discovery conversation, not a sales pitch — what your church owns or rents, your balance, your rate, your payment, and what you’re actually trying to accomplish. No product gets named until that’s understood. That matters because Trinity’s fee is a percentage of loan size, which means every time David Pack recommends borrowing less, waiting, or buying instead of building, it costs him money. He makes those recommendations anyway. One church planning a $12–13 million ground-up build was advised to wait; they’re now considering a 33,000-square-foot former Catholic church for $2.5 million instead. As David puts it, building new can turn a dollar into forty cents. And there’s a line David won’t cross: if he wouldn’t sign for a deal himself, he won’t put a church into it. That’s why Trinity does no secondary-market placements and no bond deals, which typically carry 7% origination fees.