Residential Mortgage Loan Programs

Dan Cassel and the Trinity Mortgage loan team offer a full selection of California Residential Mortgage loan programs that offer better rates, interest only and higher LTV’s, than many competing loan programs.

Who are our Residential “NON-QM” loans for?

Ideally for clients who can fully document their income, but maybe not always with tax returns or conventional documentation. They seek to:

  • Unlock the equity in their investment properties via Non-QM Loans;
  • Borrow money despite recent credit events like bankruptcy, foreclosure, or short sale; or
  • Manage monthly mortgage payments with an interest-only option.
  • Use Aggressive Non-QM Loans “Niche” Loan products with less documentation, like Banks Statements, 1 year tax returns, Stated Income and so forth.

Here are some Residential Loan highlights:

  • Purchase/Rate & Term loan amounts up to $2.5 million
  • Owner occupied:
    • 95% LTV up to $1.5 million, no MI
    • 90% LTV up to $2.5 million, no MI (purchase and R&T)
    • Cash out to 95% LTV
  • Non owner occupied:
    • Purchase and R&T to 85% LTV, no MI, up to $2.5 million
    • Cash out to 80% LTV, no MI
  • 40-year fixed rate mortgage with 10 year interest-only period (max 43% DTI)
  • Expanded DTI up to 50%
  • Unlimited financed properties for LTV of 70% or below (second home & non-owner occupied)
  • Shorter seasoning requirement from major credit events
  • Credit scores as low as 600
  • We are often able to close these loans in 21 days or less once we have required documentation. We are here to help!
  • To reach a Independent Mortgage Expert directly please phone 866-310-1112 or if you seek to just start a new Real Estate Loan Application simply¬†click here.

What are you looking for?

Non-QM Loans