Flexible Financing with Private Mortgages

Common Sense Lending Solutions When Banks Say "No"

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At Shawn Mooney - Mortgage Architects, I offer private mortgage solutions designed to provide flexibility when traditional financing options fall short.

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Life doesn't always fit into the strict "credit boxes" of major banks. Whether you are self-employed with complex income, dealing with a temporary credit bruise, or require immediate funding for an opportunity, a private mortgage can bridge the gap.

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What is a Private Mortgage?

A private mortgage is a short-term loan provided by a private investment corporation or individual investor rather than a traditional bank.

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Unlike banks, which focus heavily on credit scores and proven income, private lenders focus primarily on the equity and value of the real estate. This "common sense" approach allows for faster approvals and funding for borrowers who have strong equity but may not meet standard lending guidelines.

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Benefits of a Private Mortgage

• Equity-Driven Approval: Approval is based largely on the value of your property, not just your credit score or T4 income.

• Fast Access to Funds: Private mortgages can often be underwritten and funded in a matter of days, not weeks, providing you with cash when you need it most.

• Short-Term Solutions: These loans are typically interest-only and short-term (1–2 years), designed to buy you time to fix your credit, sell a property, or stabilize your income.

• Customized Terms: Private lenders are not bound by federal stress tests, allowing for more creative and tailored mortgage solutions.

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Why Choose Shawn Mooney?

Navigating the private lending space requires experience to ensure you are protected. My goal is not just to get you the loan, but to create an Exit Strategy to transition you back to a traditional lender as soon as possible.

• Expert Guidance & Exit Strategies: I don't just put you in a private mortgage; I help you build a plan to get out of it. We will map out a clear path to improve your credit or income so you can return to lower bank rates in the future.

• Access to Reputable Lenders: I work with a trusted network of established private lenders and Mortgage Investment Corporations (MICs) to find fair terms.

• Mobile Service: Enjoy the convenience of having a mortgage broker come to you, with flexible hours to fit your schedule.

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Quick Facts regarding Fees

• Free Consultation: We can discuss your scenario without any obligation.

• Transparent Fee Structure: Private mortgages are specialized products that carry higher risk and administrative work. Consequently, they typically involve a lender fee and a broker fee. I am committed to full upfront transparency regarding all costs so you can make an informed decision.

• Alternative Solutions: Private lending is a powerful tool for self-employed individuals, those with tax arrears, or those facing foreclosure.

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Contact Me Today

Ready to explore flexible financing options?

Contact Shawn Mooney at Mortgage Architects to learn more about how a private mortgage can help you achieve your financial goals. Let me guide you through the process and ensure you get the best solution for your specific needs.