Sometimes, life doesn’t fit into a traditional mortgage application. Whether you’re self-employed, have credit challenges, need fast funding, or have a complex financial situation, a private mortgage can offer the flexible solution you need when banks can’t. At Hoam Loans, we specialize in helping clients access private mortgage options with clear terms, transparent advice, and trusted lender partnerships.
A private mortgage is a loan funded by private lenders or investors instead of traditional banks or credit unions. These mortgages are typically used when borrowers don’t meet the strict guidelines of traditional lenders due to:
Private mortgages focus more on the equity in your property than your income or credit score, making them an accessible option for many homeowners.
Private mortgages can be arranged quickly, often within days, making them an excellent choice for urgent financial needs or short closing timelines.
Unlike banks, private lenders are primarily concerned with the value of your property and available equity, making it easier to qualify—even if you have bruised credit or irregular income.
Private mortgages are usually short-term solutions (6 months to 3 years) and can be customized to help you bridge the gap until you qualify for a more traditional mortgage.
If you’re self-employed or managing a unique financial scenario, private lenders can provide the flexibility that banks often can’t offer.
Private mortgages can help you consolidate high-interest debt or pay off outstanding tax balances, giving you breathing room and improving your overall financial health.
At Hoam Loans, we make private mortgage solutions simple, safe, and accessible—helping you move forward when other lenders can’t.
Contact us today to discuss your private mortgage options and see how we can help you secure the financing you need.
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