Dan Cassel - Trinity Mortgage

Treasury Yields Rise Slightly on Fed Hike

danc@dansrealestateloans.com — Wed, 16 Sep 2026 18:42:44 +0000

Treasury yields edge higher as the Fed raises interest rates for the first time since 2023 and sends hawkish signals. The central bank hikes by a quarter of a percent, as widely expected, indicating it is willing to battle sticky inflation. “The Committee will deliver price stability,” policymakers say in the post-meeting statement per the WSJ.

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“Lite Doc” HELOC Home Loans up to 1 MILLION!

danc@dansrealestateloans.com — Mon, 14 Sep 2026 15:24:54 +0000

HELOC Home Loans up to 1 MILLION.

Dan Cassel and the Trinity Mortgage Loan Team now offer No Tax Return HELOC Home Loans solutions up to 1 Million dollars for qualified Self-Employed Borrowers.

These Funds can be accessed immediately to grow a business, build an ADU, pay off debt, send kids to college, and more.

Other notes:

LLC title vesting in now also available on Investments

Qualify with 12 months Business Banks Statements

To Learn more email danc@dansrealestateloans.com or use this link to request further assistance.

https://www.dansrealestateloans.com/ask-a-professional/

Dan Cassel

NMLS # 347918 CA DRE # 01146347

This is not a commitment to lend. All financing is subject to credit approval and program guidelines. Rates, terms, and conditions are subject to change without notice. Restrictions may apply to these loan programs.

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Happy Labor Day!

danc@dansrealestateloans.com — Sat, 05 Sep 2026 15:44:16 +0000

Wishing you and your family a safe. relaxing and enjoyable holiday weekend.

Respectfully, Dan Cassel and Trinity Mortgage

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We utilize institutional, REIT, and private bank funds based on borrowers’ qualifications and needs.

danc@dansrealestateloans.com — Wed, 02 Sep 2026 14:23:02 +0000

In the past 30 years, I have assisted California’s self-employed borrowers with solid credit in securing millions in investment real estate financing that traditional banks often overlook. If you are self-employed and have sought a real estate loan, you understand the challenges of loan documentation, particularly when qualifying using federal tax returns.

Dan Cassel and Trinity Mortgage Broker have established loan networks offering “less doc” loan solutions for self-employed borrowers. We have experienced significant success and quick funding with real estate investors, builders, and developers who require more liquidity and seek cash-out financing.

The top uses of funds include:

- Partner buyouts and business expansion

- Real estate investments

- Real estate improvements

We utilize institutional, REIT, and private bank funds based on borrowers’ qualifications and needs.

Here are five reliable ways for California real estate investors to qualify for an investment home loan with Dan Cassel and Trinity Mortgage:

1. Utilize a Debt Service Coverage Ratio (DSCR) mortgage loan to optimize rental income qualifications.

2. Qualify with a no debt ratio loan.

3. Explore “alternative documentation” private money loans designed for investors seeking fast, flexible capital.

4. Consider 12-month business bank statement loans and use cash flow instead of tax returns.

5. Provide full documentation, including two years of federal tax returns, both business and personal, and profit and loss statements.

For a complimentary mortgage analysis and consultation, please contact Dan at 866-310-1112 or email him at Danc@dansrealestateloans.com.

To learn more about self-employed borrower financing solutions, please visit: https://selfemployedfinancingplaybook.com/

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We have Mortgage Loans with no tax returns for Self Employed Borrowers!

danc@dansrealestateloans.com — Wed, 12 Aug 2026 16:13:46 +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 We have Mortgage Loans with no tax returns for Self Employed Borrowers! appeared first on 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/

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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.

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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

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.

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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.

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