Borrowers
Private Lender Inc. trusted by thousands since the turn of the century.
At Private Lender Inc., we understand that life happens. Less-than-perfect credit or income shouldn’t permanently block your dream of owning a home or accessing the equity you’ve built. That’s why we offer two distinct, flexible solutions tailored for your unique situation: our unique Bundle Mortgage and our Equity-Based Second Mortgages. We are your dedicated private lender, committed to finding solutions when others can’t.
Your Path to Homeownership
The Bundle Mortgage
Are you struggling to get approved for a traditional mortgage due to credit or income challenges? Our Bundle Mortgage is designed for you.
Our Bundle Mortgage is a two-part financing solution tailored for borrowers who don’t quite fit traditional lending criteria, but dream of homeownership. This short-term solution is designed to help you buy your home now and transition to a traditional bank mortgage when you’re ready.
What is a Bundle Mortgage?
First Mortgage
(up to 75% loan-to-value)
We, as your private lender, provide the initial financing you need to secure your home. This portion is structured to get you in the door, even if banks have said “no” due to your credit or income.
Additional Financing
(up to 85% loan-to-value)
Need more? We can offer additional funds from our resources or trusted investors, bringing your total financing up to 80% of your home’s value.
This bundled approach means you get the comprehensive financing you need, all under one roof, even if your credit rating or debt ratio is currently an obstacle. As an experienced private lender, we make getting the funds you need straightforward.
How We Help You Get Bank-Ready in 12 Months
Our goal isn’t just to get you a mortgage; it’s to help you achieve long-term financial stability. The Bundle Mortgage is a stepping stone. Over the next year, we’ll work closely with you to address the issues holding you back from a traditional mortgage. This could include:
Improving Your Credit Score
Guidance and strategies to boost your creditworthiness.
Managing Debt
Practical advice to reduce your debt ratio.
Financial Planning
Support to strengthen your overall financial profile.
Our dedicated team will support you every step of the way, making the transition to a conventional bank mortgage within approximately 12 months as smooth as possible. Consider us more than just a private lender; we’re your partner in financial progress. These services are complementary. Because we are dedicated to your success.
Access Your Home Equity
Instant Approval Second Mortgages
Do you own a home and need quick access to funds, even with less-than-perfect credit or income? Our equity-based Second Mortgages are your answer.
Unlock the power of your home’s equity with our fast, flexible, and fast Second Mortgages. This unique option is available as a standalone product – providing money fast when you need it the most. Tight budget? Choose the no payment option loan on your home and be a winner.
Key Benefits of Our Second Mortgages:
Equity Based Approval
We primarily approve loans based on sufficient equity in your home, not just your credit score or income. If you have equity, you likely qualify!
Instant Approval
With sufficient equity, we can often provide instant approval, getting you the funds you need without delay.
No Qualifying Necessary
Forget the rigorous income and credit checks of traditional lenders. We focus on your home’s value.
Prepayment Option
We can even pre-pay the interest on the loan at funding, providing you with incredible flexibility, especially if you’re on a tight budget.
Flexible Uses
Use the funds for anything you need: debt consolidation, home improvements, business capital, education, dealing with tax debt, stopping foreclosure, or any other financial need.
If you’re looking for a quick and easy way to access the cash tied up in your home, our Second Mortgages are the ideal solution, regardless of your credit or income history.
Are Our Solutions Right for You?
If you’re ready to own a home, or need to access funds from your home equity, but are facing challenges with traditional lenders for any of these issues, Private Lender Inc. has a solution for you
Credit Issues
High debt-to-income ratio
Self-employment income that's hard to prove
Recent life events impacting your finances
Ready to Explore Your Options?
Don’t let a temporary setback prevent you from achieving your financial goals.
Apply Now
Take the first step towards securing your home or unlocking your equity with our simple application process.
Get a Free Consultation
Speak with one of our experienced private lenders to discuss your unique situation and find the best solution for you.
Contact us today to learn more about our Bundle Mortgage, Second Mortgages, and how we, as a leading private lender, can help you take the first step towards financial freedom.
