FOR UNIQUE SITUATIONS
The private loan - for the situations the box can’t hold.
Not every borrower or property fits a conventional checklist — and that doesn't mean the answer is no. Privately-funded loans open doors for new construction, one-of-a-kind homes, and buyers whose finances don't fit a standard mold.
Flexible
SITUATION-BASED UNDERWRITING
Bridge
TO LONG-TERM FINANCING
All 3
STATES SERVED
WHAT IT IS
Financing built around your situation, not a rigid template.
A private loan is funded by private capital rather than a traditional bank or government program. Because the funding source is more flexible, so is the underwriting — decisions can weigh the full picture instead of a single rigid formula.
That flexibility makes private loans a fit for situations conventional lending struggles with: building a new home, buying an unusual or rural property, bridging between two homes, or qualifying when income is real but non-traditional (self-employed, seasonal, or asset-rich).
The trade-off is usually a higher rate and shorter term, since the lender takes on more flexibility and risk. Often it's a bridge — a way to get into the home or finish the build now, then refinance into conventional financing once things stabilize. I'll always tell you honestly whether it's the right tool, or whether waiting serves you better.
IS IT RIGHT FOR YOU?
Where a Private loan shines
& where to look twice.
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A Strong Fit If...
You’re building a new home or financing construction
The property is unusual, rural, or hard to finance conventionally
Your income is strong, but non-traditional or hard to document
You need to move quickly or bridge between two homes
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Worth Weighing...
Rates and fees are typically higher than conventional
Terms are usually shorter - often a bridge, not forever
Best paired with a clear exit or refinance plan
Not necessary if you already fit conventional guildelines
THE NUMBERS
Typical requirements at a glance.
Guidelines, not guarantees — your exact picture depends on the full application. Here's the honest ballpark.
Funding Source
Private capital - flexible, situation-based underwriting.
Down Payment / Equity
Varies; more equity strengthens terms.
Credit
Considered as part of the whole picture, not a hard cutoff.
Term
Often shorter-term, designed as a bridge to permanent financing.
Best Paired With
A clear exit plan- sale, completion, or refinance.
HOW IT GOES
Private loan, start to keys.
THE CONVERSATION
We map your situation honestly and decide whether private financing is truly the right tool.
01
STRUCTURE THE LOAN
I match you with the right private funding and structure terms around your exit plan.
02
FUND AND MOVE
With flexible underwriting, private loans can close quickly when timing matters.
03
PLAN THE EXIT
We set the path to refinancing into long-term financing once your situation stabilizes.
04
STRAIGHT ANSWERS
Common questions about the Private loans.
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Buyers and builders whose situation doesn't fit conventional guidelines — new construction, unusual properties, or strong-but-non-traditional income. It's a flexibility tool, not a fallback.
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Usually, yes. Private capital takes on more flexibility and risk, so rates and fees run higher than conventional. That's why it often works best as a short-term bridge.
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They overlap. Both are privately funded and flexible. What matters is structuring it around a clear exit — which is exactly what I help you plan.
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Often that's the whole strategy: use the private loan to get in or finish building now, then refinance into a conventional or other long-term loan once you qualify.
KEEP EXPLORING
Other Loan Types.
NO PRESSURE, NO OBLIGATION
Got a situation that doesn’t fit the usual checklist?
That’s exactly what I’m here for. Let’s talk through and find out whether a private loan is the right move - honestly.
CALL (360) 600-8250 - LICENSED IN WA - MT - SD