Private Mortgages

Sometimes the bank says no — that doesn't mean the door is closed.

A Second Path When Traditional Lending Says No

Private mortgages are funded by individual investors or private lending companies instead of a bank, and they're approved on the strength of your home's equity rather than your income, credit score, or employment history. That makes them a practical option when you've been declined or turned down for renewal, when your self-employed income is hard to document on paper, when past credit issues are still working themselves out, or when you simply need funds to close faster than a traditional lender can move.

Worried private financing means locking into a bad deal? It's usually meant to be short-term — typically 6 to 24 months — and works best with a clear plan to get back to conventional financing once your situation improves, whether that's through a future refinance, a sale, or simply time. Yes, the rates and fees run higher than a bank mortgage, but for the right situation it can be the difference between losing an opportunity and moving forward. I'll walk you through the real numbers, what you'd qualify for, and whether it's the right fit before you commit to anything.

Call or email me today for full details and a FAST mortgage approval!