This past week the Federal Reserve (Fed) cut the Fed Funds Rate by .25% to 2.25%, the first rate cut in 10 years.

On the Fencepost to Refinance or Lock? Good timing! This past week the Federal Reserve (Fed) cut the Fed Funds Rate by .25% to 2.25%, the first rate cut in 10 years. Many consumers are wondering why home loan rates haven’t declined by .25% in tandem with the Fed action. Let’s break down how a… [Read More]

Take Advantage of LOW Rates! Debt Consolidation/Refinance action steps!

Seeking to take advantage of Low Interest Rates? Here are a few “action Steps” to begin a Debt Consolidation/Refinance Mortgage Loan! Many Borrowers are Business Owners, Self Employed Borrowers, Families and Investors who do NOT want to struggle with the typical “Local Bank” loan paperwork requirements. (which often clearly lead to a Loan Denial for… [Read More]

Interest Rate update July 29, 2019

The U.S. Bond market traded in a tight sideways range, leaving home loan rates essentially at unchanged levels week over week. However, the technical picture reveals Bond market indecision as prices trade near the best levels of the year. Why the indecision? The financial markets are bracing for a multitude of headline risk events in… [Read More]

What is a Non Qualified Mortgage?

Non-QM Correspondent Mortgage Loans A Non-Qualified Mortgage (Non-QM) is any home loan that doesn’t comply with the Consumer Financial Protection Bureau’s existing rules on Qualified Mortgages (QM). Usually this type of correspondent mortgage loan accommodates people who are not able to prove they are capable of making the mortgage payments. Just because it is a… [Read More]

Private Money Loans

Real Estate Investors, Builders and Families need fast and cost-effective Private Money Funding Solutions to improve their game in today’s fast paced markets. Being self employed for over 26+years Dan and his loan team have discovered “Fast Track” Real Estate and Business Loan products that give our borrowers more qualifying loan options with less documentation…. [Read More]

California Self-Employed Real Estate Loans-How do Lite Doc Loans work?

Since 2009, Dan Cassel and the Trinity Mortgage Broker team have been committed to helping Self Employed Borrowers use alternative “Lite Documentation” loan solutions to achieve their Real Estate Ownership Dreams, as we navigate the often “confusing” and “shifting” world of Real Estate Loans. Investors, Builders, Families and Realtors rely on our Lending Teams expertise, and our “Lending… [Read More]

Top Reasons why Borrowers use a Mortgage Broker

On a local or statewide level, Independent Mortgage Brokers are the absolute best option for borrowers seeking to obtain a Real Estate Loan, and the Banking industry is clearly taking notice. Here is why! Flexible & Competitive Mortgage Brokers work for the borrower, not the bank. Independent mortgage brokers have the ability to truly harness… [Read More]