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What is a Private Mortgage?
A private mortgage is a loan used for the purpose of purchasing, refinancing or freeing up equity in a property. Unlike a traditional mortgage that is issued from a bank or similar institution, a private mortgage is issued by a private person, or private company such as LoanOwl.

What are the benefits of a Private Mortgage?

  • Shorter approval process
  • Easier to qualify
  • Customizable loan terms
  • Flexible rates dependant on your unique situation

LoanOwl loans money!

Is a Private Mortgage right for me?
Are you having trouble meeting your bank's lending criteria? LoanOwl's Private Mortgage might be your solution. LoanOwl is not held back by conservative lending guidelines that traditional lenders such as banks are subject to. We lend based of off the marketability of the property. Whether you are purchasing, refinancing, or freeing up equity, our flexible lending criteria through our private mortgage solution can be tailored for your unique situation.

Why should I choose LoanOwl for my Private Mortgage?
We are direct lenders, meaning we approve and service our loans directly. We are committed to providing you with a customized loan for your unique circumstances. Damaged credit, perfect credit, under-employed or fully employed, we will find a loan solution that will work for you.

At what rate do you loan money?
We'll need to get to know your unique situation before we can give you an accurate rate. There is absolutely no obligation so get in touch with us or complete the online application to get started!

What if I've been denied by other lenders?
Because we are local lenders we don't use the same metrics for approving loans as traditional lenders. This allows us to be more flexible and approve more loans.

Play around with our Loan Calculator, get in touch with us, or complete the online application to get started!

Quick 2 minute application.

You'll have your rate within 48 business hours. No obligation!

How much can you borrow?

Loan to Value Ratio:


Home Value ($):
Loan Pool ($):
Mortgage Balance ($):
Available Loan:


(LTV * Home Value) - Mortgage = Loan