When Banks Say No,
We Have Options.
Short-term private mortgage financing for credit challenges, recent bankruptcies, non-conforming properties, and situations where speed matters more than rate. Bridge to better — we have an exit strategy from day one.
6–24
Month typical term
75–80%
Max LTV (private)
48 hrs
Approval possible
Exit
Strategy always included
Private Mortgages
Private mortgages: a bridge, not a destination
Private mortgages serve a specific purpose — they provide short-term financing when conventional lenders cannot. Whether you're recovering from a credit event, in a time-sensitive situation, or buying a non-conforming property, we structure a private mortgage with a clear exit plan to a conventional lender at renewal.
Credit Recovery
Coming out of bankruptcy, consumer proposal, or a period of missed payments? Private lenders focus on equity, not credit history.
Speed-Critical Situations
Estate sales, tax sales, power of sale purchases — private lenders can approve and fund in 48–72 hours when needed.
Non-Conforming Properties
Rural properties, unusual construction, zoning issues, or properties in disrepair that A-lenders won't touch.
Bridge Financing
Bridging between buying a new home and selling your existing one — private financing covers the temporary gap cleanly.
Income Doesn't Qualify
If your income documentation doesn't satisfy traditional lenders, private lenders evaluate based primarily on property equity.
Clear Exit Strategy
Every private mortgage we arrange comes with a written 12–24 month plan to transition to conventional financing at renewal.
How private mortgage financing works
Simple, transparent, and built around you.
Situation review
We understand your situation — credit history, property, timeline, and goal. No judgment, just facts.
30 minProperty valuation
Private lenders lend primarily on property equity. We order an appraisal and confirm maximum loan amount.
2–3 daysPrivate lender matching
We present your deal to our network of MIC funds and private investors. Most clients receive 2–3 competing offers.
24–48 hoursFund & execute exit plan
Mortgage funded. Simultaneously, we start the 12–24 month credit and income improvement plan to qualify at renewal.
48–72 hrsCommon questions
There's a path forward — let's find it together
We handle private mortgage situations with discretion, speed, and a clear plan to get you to a better rate. Free, confidential consultation.