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Residential Loans with higher loan to value and "common sense" guidelines!

Since 2009, Dan Cassel and the Trinity Mortgage Broker team have been committed to helping Borrowers achieve their Real Estate Dreams, as we navigate the often confusing world of Real Estate Loans.

Trinity is a Licensed Mortgage Brokerage that works with Investors-Families-Builders and Realtors to provide aggressive Real Estate Financing thru Institutional or Non-Bank Financial Sources.

Who are these 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.

 

       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%

  • 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!

  • Unlimited financed properties for LTV of 70% or below (second home & non-owner occupied)

 

 

Licensing - Dan Cassel - NMLS# 347918 - CADRE# 01146347 - Broker License - NMLS# 281763 - CADRE/BRE# 01855258