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Navigating the home refinancing loan process in 2026 can be complex, especially for self-employed borrowers with numerous tax deductions. Whether you're looking for options on a primary, secondary, or investment home in San Diego, Los Angeles, Sacramento, or elsewhere in California, it's crucial to choose reliable refinancing solutions that align with your goals.
Since 2009, our team has been dedicated to providing timely real estate funding across California for both residential and commercial properties. We source our funds from reputable U.S. institutional banks, mortgage banks, and private mortgage funds with established histories. Our network is continuously expanding to include the latest loan sources and products.
Dan Cassel, is a licensed and seasoned Mortgage Loan Professional, and he specializes in assisting self-employed borrowers throughout California and the western United States. Trinity Mortgage is a family owned licensed California mortgage brokerage based in San Diego, Ca. We leverage our proprietary lending platform technology and extensive lending network to efficiently search for and fund refinance loan requests.
Our expertise in loan documentation and mortgage lending positions us at the forefront of timely funding for California residential and investment mortgage loans.
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WHAT WE OFFER:
Refinancing can be a swift process with our Refinance Funds sourced from reputable US Institutional Banks, Mortgage Banks, and Private Mortgage Funds. Many of these options include Portfolio Loan Products that are not typically available through local banks or credit unions.
Families and investors trust Dan Cassel and his Loan Team for their long-term banking relationships and expertise in real estate loans. They understand the mortgage loan documentation required to provide competitively priced mortgage loan terms.
Our loans are designed to be hassle-free and cater to both families and investors, offering alternative loan documentation options for purchases and refinances, such as 12 or 24-month bank statements or rental income.
We aim to simplify your residential home refinance or purchase process, whether you are a salaried or self-employed borrower. Our team will review your loan documentation, address your questions, discuss timelines, and help you select the right loan programs tailored to your family's needs, whether it's your first refinance or your seventh purchase.
Who can benefit from home refinancing loans?
- Clients who can document their income, even if not through traditional tax returns.
- Salaried borrowers and self-employed individuals, including business owners and real estate investors, who may require documentation flexibility.
They typically seek to:
- Restructure long-term mortgage debt at lower rates to enhance cash flow.
- Unlock equity in primary, secondary, and investment properties through FNMA or Non-QM loans.
- Improve cash flow and debt structure with cash-out options at today's low interest rates.
- Lock in long-term interest rates.
- Use both salaried and self-employed income for qualification.
- Enhance their financial picture and pay off homes more quickly.
- Manage monthly payments through interest-only options.
- Improve rental home cash flows with interest-only loans.
- Access aggressive Non-QM loans with less documentation, such as bank statements or stated income.
Getting started is easy! For more information about our product offerings in San Diego, Los Angeles, Sacramento, and the surrounding California region, please contact us for a free
Who are Home Refinancing loans for in 2026?
Ideally for clients who can fully document their income, but maybe not always with tax returns or conventional documentation. Many of our Refinance Loan Requests are for Salaried Borrowers, however a fair percentage are also Self-Employed, often as Business Owners, Real Estate Investors, Builders who may need some “Documentation” flexibility!
They seek to:
- Restructure current long term Mortgage Debt at lower rates to improve mortgage cash flow
- Unlock the equity in their Primary, 2nd and investment properties via FNMA or Non-QM Loans.
- Improve Cash Flow and Debt Structure terms using cash out to take advantage of today’s low Interest rates.
- Lock in a long-term interest rate
- Use both Salaried and Self-Employed Income to qualify.
- Improve financial picture
- Pay off their current homes quicker
- Manage monthly mortgage payments via interest-only option.
- Improve Rental Home cash flows via Interest only loans
- Use Aggressive Non-QM Loans “Niche” Loan with less documentation, like Banks Statements, 1 year tax returns, Stated Income and so forth.
Getting Started Today is Easy!
To find out more about our product offerings in San Diego, Los Angeles, Sacramento, and the surrounding California region, please contact us today for a FREE Mortgage Analysis at 866-310-1112.
Or Click Here to request more Mortgage Loan information from a trained Loan Professional.
Current Home loan details for California:
- We offer Fixed Rates & ARMs, Interest only solutions
- Loan Amounts up to 3 Million +
- Up to 85-90% LTV on Primary Purchase up to 1.5M
- Bank statement 1st and 2nd TD loans for Self Employed
- W2 and 1099 Income OK
- Self employed less than 2 years? OK!
- Cash Out Refinance solutions! 1st and 2nds!
- Primary, Second Home and Investment properties
- First Time Home Buyers Allowed
- Full Documentation always offers the best pricing.
- Minimum credit scores vary from 660-700
- Gift Funds are Allowed
- OO -Business Purpose 2nd Trust Deeds available 6 Mo Bk statements!
- Delayed Financing is generally available with R&T Pricing
- Run your scenario by our team of experts!
- We move fast and understand timelines!
Tell us More about your needs!
As a broker, we have access to many different lenders with a large assortment of loan products and competitive rates. We pride ourselves in excellent customer service and we educate our clients through the whole Loan Origination process as needed. We also Listen too!! Our team has a proven track record of satisfied clients served since 2009.
Our Address is 11622 El Camino Real #100 San Diego, CA 92130. 866-310-1112
Trinity Real Estate Services is licensed in the state of California
Broker Cal DRE# 01855258 Broker NMLS # 281763
Dan Cassel CA DRE # 01146347 Dan NMLS # 347918
HOUSE LISTED??
The transaction is generally not eligible for delivery to Fannie Mae if the subject property is listed for sale at the time of disbursement of the new Mortgage Loan.
However, we have solid Non-QM Loan Options that may work, so please phone, and help us understand your situation.
