Are you looking to take advantage of Current Real Estate Loan Conditions?? Maybe you seek a lower initial home Mortgage loan payment after cash out? With Rates on the rise, you are not alone! Our lending products are often unique and not what you see at Local Banks,  especially if you are Looking for Loan Flexibility and options, such as cash out or maybe you earn both Self Employment Income and W2 income, and own rentals. Maybe your Full Tax returns do not work? We get that! Dan Cassel and the Trinity Mortgage Loan team have offered Aggressive Loan Solutions for San Diego, Los Angeles and California Real Estate from our Solid Loan Networks since 1992.

What Is a 40 Year Fixed Rate Loan?

One popular loan product we offer is a 40 Year Fixed Rate Loan with a 10-year Interest-Only period at the start. This gives families payment flexibility and possible payment relief while locking in today’s low rates for the entire 40-year term while eliminating uncertainty when adjusting from Interest-Only (IO) to P&I payments! It’s easier to qualify than many 40-year Fixed IO loans, because of its 40-year term. Underwriting decisions are fast and efficient. We offer aggressive loan solutions and are glad to learn more about your loan needs!

 40 Year Fixed Rate Loan Features

Here are a few of the loans FEATURES:

•  Purchase, Refinance, and Cash Out (OK with reduced Loan to Values generally)
•  Self Employed allowed
• Owner-occupied, second homes, and investment properties
• Loan amounts up to $3.0 million
• O/O 90% Max LTV to 1.5 million. 700 score +
• O/O 85% max LTV to $ 3.0 million;
• NON O/O 80% max LTV to $2.5 Million
• 4-year seasoning for bankruptcy, foreclosure, short sale or deed in lieu
• One year income documentation typically OK for Self-Employed with Basic W-2 income
• 12- and 24-month bank statement programs
• Smart asset depletion loans, with assets divided by up to 120  months
• DTI ratios are possible at times up to 50% (purchase, rate & term)
• Credit scores as low as 680 are possible.
• To request a Free Mortgage Analysis please CLICK HERE and one of our Loan Professionals will return your contact quickly!
• To Learn more also feel free to give Dan Cassel and the Trinity Mortgage Loan Team a call today direct to the office at 866-310-1112!
• Dans Info:  NMLS # 347918 Ca DRE # 01146347