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2020 has safely secured its place in the record books as the year of all-time lows in mortgage rates–one of them anyway.  Several other years have recently boasted as many new instances of record lows, but none have done so with the average 30yr fixed rate under 3%.  When it comes to the “top tier” rates that are typically…

Dan Cassel – Trinity Mortgage Broker team provide the reliable one-on-one Mortgage Loan guidance you deserve when it comes to Purchasing or Refinancing Residential and Investment Real Estate in California. Many of our products are not typically offered at the “Local Full Service Banks”, including our Cash Out Loan Programs and Debt Service Coverage (DSCR)…

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It’s old news that 2020 is unprecedented for a lot of bad reasons, but how about a few that aren’t so bad?  As is often the case when anything causes massive global economic contraction, interest rates plummeted.  That’s a good thing, in and of itself. Even more interesting than the low rate levels themselves (because those were…

You might think you know mortgage rates.  You might make assumptions about where they’ll go and what they’ll do based on past precedent.  For decades, you may have done a nearly flawless job of that simply by drawing the exceedingly logical conclusion that mortgage rates tend to behave a lot like other longer-term bonds.  After all, bonds…

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Although many mortgage lenders were technically open for business last Friday, it’s a well-known unofficial holiday. Mortgage rate movement requires bond market movement, and the post-Thanksgiving Friday invariably sees fewer traders trading fewer bonds. Even when bonds do manage to move, the people in charge of setting mortgage rates at various lending institutions tend to…

Why Use Dan Cassel and Trinity Mortgage Brokers? We allow money sources to “compete for your Loan Business daily”.  And as Brokers we are only paid on successful funding’s! Broker teams like Dan Cassel – Trinity Mortgage Brokers in San Diego County have been lending since 2009 and this is how they operate. They deliver…

Everything is relative when it comes to following day-to-day movements in mortgage rates.  Yes, they’re technically higher than they were on Friday afternoon, but they’re still lower than just about any other day… ever.  Most prospective borrowers will see very little difference from last week.  On average, the actual interest rate itself (aka, the “note rate”) is…

Earlier in the month, mortgage rates rose somewhat abruptly as lenders got in a defensive position ahead of the election.  They’d learned in 2016 just how volatile the bond market (the key ingredient in the rate movement equation) could be after an election and it made sense to minimize exposure to risk.  Following the election, rates improved…