Private
Mortgages
When traditional lenders say no, private mortgage solutions give you the financing you need — fast, flexible, and without the restrictions of the big banks.
When Traditional Lenders Say No
Private Mortgages —
Your Alternative Path
Private mortgages are funded by private investors rather than banks, offering flexible qualifying criteria based primarily on property equity. They're often the ideal short-term bridge solution while you rebuild credit, sell a property, or navigate a complex financial situation.
- Approved based on property equity, not just income or credit
- Fast approvals — often within 48–72 hours
- Bridge financing for time-sensitive real estate transactions
- Short-term solution while improving your credit for conventional mortgage
- Estate and power of sale situations handled with discretion
- Access to private lender network through Sam's 10+ year relationships
Important Note
Private mortgages carry higher interest rates than conventional mortgages. Sam always explores all A-lender and B-lender options first to ensure you get the best possible solution for your situation.
Bad Credit? No Problem
Private lenders focus on the property and equity, not your credit score. If you have equity, you can qualify.
Urgently Needed Funds
Closing in 48 hours? Private mortgages can fund in days, not weeks — perfect for time-sensitive situations.
Property Under Power of Sale
Stop a foreclosure or power of sale with emergency bridge financing to protect your home and equity.
Bridge to Conventional
Use a 1-2 year private mortgage to improve your credit profile, then transition to a conventional mortgage at Sam's best rate.
Get a Private
Mortgage Quote
Tell Sam your situation confidentially. All inquiries are handled with complete discretion.