Alternative & Private Mortgage Lending

Sometimes, qualifying for a mortgage with a major bank—or “A lender”—isn’t possible, especially if you have bruised credit or are self-employed with low reported income. Fortunately, alternative and private lenders offer flexible financing for those who fall outside traditional lending guidelines. These lenders assess creditworthiness differently and offer short-term solutions, typically with 1 to 3-year terms. This gives borrowers time to improve credit or income to eventually qualify with a major bank. While borrowing costs are higher, alternative and private mortgages can be a practical option for those who need a path forward.