Traditional institutions such as banks and mortgage brokers are the go-to place where everyone can apply for a loan. The easy part is filling out your application and turning it in.  The tough part is getting your loan approved. That’s because most banks require you to present a lot of things before you get approved. Some banks require business proposals, collateral, and proof of capacity to pay. Unfortunately, not everyone can meet these requirements.

So what else can you do in order to get a loan?

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Featured Rates

FIXED

LenderRateTerm
Mortgage Lendwise RateLendwise

2.39%

5-Year
Mortgage First National Bank RateFirst National Financial

2.69%

4-Year
Mortgage RMG RateRMG Mortgages

2.64%

3-Year
Mortgage Street Capital RateStreet Capital Bank

1.99%

2-Year
Mortgage TD Bank RateTD Bank

2.69%

1-Year

VARIABLE

TermRate
5-Year Variable

2.85%

3-Year Variable

3.10%

OTHER

TypeRate
Line of CreditStarting at

3.00%

Equity LoansStarting at

5.99%

Private MortgagesStarting at

5.99%

Get a loan from private mortgage lenders

Private lenders are non-traditional lending institutions owned by private financers. They offer loans and financial assistance to people who apply for one just like a regular bank. The difference is that their requirements are not as stringent. They have a set of criteria for approving loans, that’s for sure, but you don’t need to pay eye and tooth just to get it approved.

Another advantage of using private lenders is that they offer bigger mortgage amounts than banks. This is part of their marketing strategy so more people will come to them for loans. This is advantageous for people because they can get a bigger property for the amount given by the private lender.

Private lenders also offer more flexible payment terms and loan terms. Unlike banks that are very rigid with the payment terms and loan terms, private lenders offer more freedom to choose the payment and loan terms you can afford. They want to make it easy for people to get that loan so they make sure everything is simple as 1, 2, 3.

The private lenders also rarely request for collateral and other things in exchange for your loan. Their criteria allow them to gauge how much they can afford to lend you without risking too much from their end.

Another reason to take on the services of a private lender is the convenience. Many private lenders operate on smaller capacity than banks. That means less number of people to request approval from, less turn- around time, and faster processing of your application. They also have fewer requirements than banks and traditional lending institutions.

Technological advancement is another advantage of using a private lender. Banks take years before they change their operating systems whereas private lenders often like to keep up with the times. You can be sure that these institutions will be able to process your application the soonest possible time.

 

Traditional mortgage and lending institutions now have more competition for loans in the form of private lending institutions. They offer competitive prices and services that people are finding very useful. They are not as stringent with application approvals so more and more people prefer doing business with them. Private lending is taking a huge market share so banks better beef up their services and offers in order to better compete with these private mortgage providers.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

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