Private Lender Sourcing
Access Mortgage Solutions When Traditional Lenders Say No. Struggling with credit approval? Our Private Lender Sourcing service connects you with verified private mortgage lenders who look beyond credit scores—helping you secure funding based on your real financial profile, property value, and goals.
Why Private Lender Sourcing?
Not everyone fits the mold of traditional mortgage lending. Whether you're self-employed, new to credit, recovering from financial setbacks, or navigating complex income sources, big banks may decline your application based on rigid credit requirements.
That’s where Private Lender Sourcing from SmartMortgageDeals.com comes in. This digital-first service matches borrowers in the U.S. and Canada with reputable private lenders who specialize in flexible, asset-based lending solutions—without the endless paperwork or guesswork.
Who Is It For?
who have been declined by banks or credit unions
who need alternative financing
or those with non-traditional income documentation
seeking short-term or bridge financing
supporting clients with challenging borrower profiles
This service is for those who need a real solution—fast—without wasting time chasing lenders who don’t understand their financial reality.
Key Benefits
Credit-Challenged? Still Qualify
Get matched with lenders who base decisions on equity, income potential, and real-world scenarios—not just credit history.
Wide Network of Private Lenders
Access our curated pool of trustworthy private lenders across the U.S. and Canada.
No Endless Paperwork
Skip the back-and-forth with simplified documentation and a digital-first application process.
Dedicated Concierge Support
A real expert helps you prepare your file, negotiate terms, and manage the process from end to end.
Transparent Deal Structuring
Understand terms, rates, and fees before you commit—no surprises or fine print traps.
Use Cases
How It Works
Submit a Quick Profile
Share your property details, income sources, and financing goals through our secure digital intake.
We Match You with Private Lenders
Our system searches our network for lenders aligned with your unique borrower profile.
Review Deal Options
Compare lender offers, terms, and timelines with guidance from your concierge.
Prepare and Submit Documents Digitally
Our platform simplifies the collection and organization of required documentation.
Finalize Your Mortgage and Move Forward
Close with confidence knowing your mortgage solution is matched to your needs—not your credit score.
Features
Flexible Lending Criteria
Designed for borrowers who fall outside traditional approval guidelines.
Verified Lender Network
Work only with vetted, licensed private lenders across North America.
Digital Deal Tracking
Monitor application progress, tasks, and lender responses in one place.
Human Support, Always
Our concierge team explains every term and helps you avoid common mistakes.
Bridge and Short-Term Lending Options
Perfect for time-sensitive, investment-based, or transitional mortgage needs.
Frequently Asked Questions
Is a private mortgage safe?
Yes. We only work with licensed, transparent lenders. Your concierge ensures you understand all terms before you sign.
Will I still need a credit check?
Some private lenders may review credit, but many base decisions primarily on property value and income.
Are private mortgages more expensive?
They can have higher interest rates, but often offer faster approvals, flexible terms, and fewer conditions—especially for short-term use.
What type of properties can I finance?
Primary homes, rentals, vacation homes, and renovation projects are all eligible depending on the lender.
Can I switch to a traditional lender later?
Absolutely. Many clients refinance into a conventional mortgage once their credit or income profile improves.
Getting Started
Don’t let credit scores define your homeownership or investment future. With Private Lender Sourcing from SmartMortgageDeals.com, you get access to real solutions tailored to your needs—fast, flexible, and fully supported. Start your path to approval today.
Contact Us
Thank you for your interest. You have multiple options to connect with us.
Use the form to send us a message.