Dan Cassel - Trinity Mortgage

Who is a Jumbo Home Loan designed for?

danc@dansrealestateloans.com — Wed, 05 Aug 2026 14:44:40 +0000

A Jumbo Home Loan is designed for individuals seeking larger loan amounts that exceed the limits set by Fannie Mae and Freddie Mac. These limits vary by county and are determined by lenders. While Jumbo loans come with stricter requirements, they are competitively priced, making them a viable option for those with a stable income and strong credit.

Who is it for?

This loan is ideal for clients who can provide documentation of their income, including self-employed individuals. Common applicants include salaried borrowers, business owners, real estate investors, and builders who require flexibility in documentation.

Common Objectives:
– Restructure existing mortgage debt for better terms.
– Unlock equity in primary, secondary, and investment properties.
– Improve cash flow and debt structure using cash-out options.
– Focus on pre or post-retirement solutions, including no mortgage payments and cash-out through a HELOC.
– Lock in a long-term interest rate.
– Accelerate paying off current homes.
– Manage monthly payments with interest-only options.
– Improve cash flow for rental properties.
– Utilize aggressive Non-QM loans with less documentation.

For a free loan analysis, contact Dan Cassel at 866-310-1112. Or click here to tell us more on your needs. https://www.dansrealestateloans.com/ask-a-professional/

The post Who is a Jumbo Home Loan designed for? appeared first on Dan Cassel - Trinity Mortgage.

Highest Rates in Over a Year, But There’s a Silver Lining

danc@dansrealestateloans.com — Thu, 23 Jul 2026 18:16:08 +0000

Highest Rates in Over a Year, But There’s a Silver Lining

Mortgage moved higher today, and while the jump was no larger than the one seen on Monday, both were ‘above average’ and both took rates in the wrong direction. In addition, the steady weakness throughout the month of July finally resulted in yesterday’s rates match the highest level in nearly a year.

In other words, it wouldn’t have taken much of a jump for today’s rates to be the highest in more than a year.

Our daily 30yr fixed rate index rose from 6.77% yesterday to 6.85% today–the highest since June 23rd, 2025. But here’s the silver lining: July 2025 through February 2026 was unequivocally the best run we’ve had in the mortgage world since rates began their rapid ascent in 2022. The time frame was marked by steady declines and low volatility relative to previous few years.

Even after the start of the Iran war, outright rate levels remained in the lower half of the range going back to late 2022. To be very fair, they’re still in the lower half of that range.

Bottom line: being “the highest in more than a year” says more about the past year than it does about the actual rate level. It is not ideal, but also not the end of the world. And if peace finds a way to break out again, June serves as a proof of concept that rates can respond favorably.

The post Highest Rates in Over a Year, But There’s a Silver Lining appeared first on Dan Cassel - Trinity Mortgage.

Do you have challenges in qualifying for a traditional Full Documentation mortgage? We have a solution or two!

danc@dansrealestateloans.com — Wed, 22 Jul 2026 20:24:17 +0000

If you are self-employed and considering a new Mortgage Loan in California, you may already be aware of the challenges in qualifying for a traditional Full Documentation mortgage. Being Self Employed is not viewed favorably by many Banks. Factors such as inconsistent income, tax write-offs that lower your reported earnings, and the lack of W2s or pay stubs can hinder your chances with conventional lenders.

Non-QM “Lite Doc” Bank Statement Loans are specifically designed to address these issues, offering the “Lite Documentation” and financial flexibility you need.

For more information on Less Documentation Mortgage Loans, visit Self Employed Loan Professional Dan Cassel and his Trinity Mortgage Loan Team today:

https://www.dansrealestateloans.com/loan-products/lite-doc-bank-statement-loans/

The post Do you have challenges in qualifying for a traditional Full Documentation mortgage? We have a solution or two! appeared first on Dan Cassel - Trinity Mortgage.

Asset Depletion and other “Lite Doc” Real Estate Loan Solutions

danc@dansrealestateloans.com — Wed, 15 Jul 2026 14:50:14 +0000

Don’t let reported income slow down your Real Estate Deal down. Call Dan!

We offer Fast Track reliable “Less Doc” Real Estate Loan Solutions for Self Employed Borrowers.

Asset depletion— Our Institutional Bank Loan Networks can use a Qualified Borrower’s eligible assets to help support repayment—

especially when traditional income documentation doesn’t reflect your full financial strength.

-Bank Statement Loans — Our Networks also can use 12-24 most recent Business or Personal Bank Statements if Asset Depletion is not a option.

-1099 Income –This is a common option for Self Employed Borrowers as well.

To learn more on Asset Depletion, Bank Statement, and other “Less Doc” Loan solutions or for a Free Loan Analysis click Here.

OR Phone Dan Cassel and his Trinity Mortgage Loan team directly at 866-310-1112.

The post Asset Depletion and other “Lite Doc” Real Estate Loan Solutions appeared first on Dan Cassel - Trinity Mortgage.

Is now a good time for self-employed borrowers to refinance their real estate loans? Dan’s notes!

danc@dansrealestateloans.com — Fri, 10 Jul 2026 13:57:01 +0000

Many self-employed borrowers have low-rate first trust deed mortgages from previous years but may have added second trust deeds or HELOCs. With a changing business environment, a need for liquidity, and evolving family and business needs, navigating the home refinancing decision-making and loan process in 2026 is becoming increasingly complex, especially for self-employed borrowers and business owners with various tax deductions and real estate investments.

Often, there is not a significant interest rate of savings in many of today’s 1st Mortgage refinancing requests. Yet Self-employed borrowers are frequently considering other factors like the opportunity cost of a refinance and cash flow. For instance, if a borrower can access $500K cash out of a property to buy out a partner, make property improvements, or restructure debt, they might even opt for a 6.5% interest-only loan, keeping payments at their current loan payment levels or even lower.

Recent geopolitical tensions in the Middle East and the resulting increase in energy prices have contributed to higher Treasury yields and borrowing costs over the past several months. This shift in rates, coupled with broader market uncertainty, has tempered acquisition activity, causing some investors to be cautious. However, signs of potential diplomatic progress and expectations for energy market stabilization have led many market participants to remain optimistic about improving transaction volumes and financing conditions as summer progresses into the second half of the year.

Mortgage rates are currently at their lowest levels in 10 months, moving up and down, and mortgage refinance applications are increasing. While inflation is dropping, uncertainty remains regarding geopolitical issues and future inflation.

Does this indicate that it is a good time to refinance real estate loans?

Yes, for many. Research suggests that interest rates will likely remain within their current trading range, particularly for self-employed borrowers. Current Jumbo Loan rates on purchases or refinances generally range from 5.85% to 6.5%, with interest-only loan structure requests and shorter-term loans being common.

We’ve seen tremendous success with real estate investors, business owners, builders, and developers, who need more liquidity and seek Cash Out Financing. Our Loan team is ready. Please call if we can help. 866-310-1112 or email danc@dansrealestateloans.com

-Dan Cassel is a licensed and seasoned mortgage loan professional specializing in assisting self-employed borrowers throughout California and the western United States. Trinity Mortgage is a long-time family-owned licensed California mortgage brokerage based in San Diego.

-Dan and his skilled Loan team leverage a proprietary lending platform technology and an extensive lending network to efficiently search for and fund Refinance and Purchase loan requests.

The post Is now a good time for self-employed borrowers to refinance their real estate loans? Dan’s notes! appeared first on Dan Cassel - Trinity Mortgage.

Self Employed Borrower Real Estate Loans – Call Dan today!

danc@dansrealestateloans.com — Wed, 08 Jul 2026 18:48:34 +0000

95% of self-employed borrowers get rejected for mortgage financing using tax returns that tell an incomplete cash flow story.

For 30 years I have been turning “No” into “Yes” for California’s self-employed borrowers by securing over $300M in financing using alternative documentation.

If you want to know more about Self Employed Borrower Financing options, you can get my Self Employed Financing Playbook Here:

Or reply here and I can answer any questions you have.

Thank you!

Dan

Trinity Mortgage

Direct 866-310-1112

NMLS # 347918

CA DRE # 01146347

The post Self Employed Borrower Real Estate Loans – Call Dan today! appeared first on Dan Cassel - Trinity Mortgage.

To Learn more on Holiday events, times or to renew your Love for American History please visit:

danc@dansrealestateloans.com — Thu, 02 Jul 2026 16:55:09 +0000

The Fourth of July, 2026, celebrates the 250th anniversary of the United States’ independence, commemorating the adoption of the Declaration of Independence on July 4, 1776.

To Learn more on Holiday events, times or to renew your Love for American History please visit: https://www.whitehouse.gov/freedom250/

The post To Learn more on Holiday events, times or to renew your Love for American History please visit: appeared first on Dan Cassel - Trinity Mortgage.

July 4, 2026, marks the 250th anniversary of the United States Declaration of Independence

danc@dansrealestateloans.com — Thu, 02 Jul 2026 16:50:31 +0000

July 4, 2026, marks the 250th anniversary of the United States Declaration of Independence, also known as the Semiquincentennial, with various celebrations planned across the country.

The post July 4, 2026, marks the 250th anniversary of the United States Declaration of Independence appeared first on Dan Cassel - Trinity Mortgage.

Non-QM “Lite Doc” Bank Statement Loans provide options without requiring Federal Tax Returns

danc@dansrealestateloans.com — Thu, 25 Jun 2026 16:29:32 +0000

Self-employment can present challenges when seeking a traditional mortgage in 2026. Variables like fluctuating income, tax deductions affecting reported earnings, and non-standard employment documentation can complicate approval with conventional Banks.

Tailored solutions such as Non-QM “Lite Doc” Bank Statement Loans provide options without requiring Federal Tax Returns. These financial products are designed to address the specific obstacles faced by self-employed individuals, offering the flexibility necessary for homeownership.

Trinity Mortgage’s Dan Cassel and his dedicated Loan Team specialize in aiding self-employed professionals, including business owners and investors earning income through alternative W2 or 1099 sources. With expertise dating back to 1992, they provide a range of competitively priced Bank Statement Loans, streamlining the process by facilitating competition among financial institutions for your mortgage requirements.

For more information on this summer’s Lite Doc Bank Statement Loans and the topic of Less Loan Documentation, visit: https://lnkd.in/dJ6crMHa

The post Non-QM “Lite Doc” Bank Statement Loans provide options without requiring Federal Tax Returns appeared first on Dan Cassel - Trinity Mortgage.

Short-Term Capital via REIT “Bridge Money” or Private Money

danc@dansrealestateloans.com — Thu, 11 Jun 2026 15:59:28 +0000

We specialize in providing Primary or Investment Loan solutions for Self-Employed individuals, including business owners, with “Other” W2 or 1099 income.

Our focus is often on offering Bank Statement Loans/Lite Doc loans with a quick and efficient process, allowing banks to compete for your mortgage business.

Lately, we have also been delivering “Fast Funding” Private Money and Short-Term Capital via REIT “Bridge Money” to Middle Market Real Estate Borrowers. We have great Investment Capital Solutions from 3 M to 25 M.

To learn more or to request a Free analysis please phone me at 866-310-1112 or email me at Danc@dansrealestateloans.com.

Respectfully, Dan

PS: For more information on this summer’s Lite Doc Bank Statement Loans and the topic of Less Loan Documentation, visit: https://lnkd.in/dJ6crMHa

The post Short-Term Capital via REIT “Bridge Money” or Private Money appeared first on Dan Cassel - Trinity Mortgage.