Private & Alternative Lending
Flexible options when banks won’t work or timelines are tight.
When banks won’t work — or timelines are tight
Divorce can disrupt income, credit, and documentation. In those cases, private or alternative lending can provide a practical short‑term solution while you stabilize your situation.
When private or alternative lending may help
- Income is changing or temporarily unstable during separation
- Credit has been impacted by the divorce process
- A traditional lender requires a signed separation agreement first
- You need speed or flexibility to complete a buyout or refinance
- You need a bridge strategy while legal and settlement items are finalized
Cost considerations
Private and alternative lending is generally more expensive than traditional mortgages. Rates and fees are higher because these lenders are taking on more risk and offering flexibility when conventional financing isn’t available. The goal is usually to use this as a temporary strategy and transition back to a traditional mortgage once the separation agreement is complete and finances stabilize.
How it works
Private and alternative lenders focus more heavily on equity and the overall plan. Financing can be structured to support:
- spousal buyouts and title changes
- refinancing and debt consolidation
- short‑term cash flow and legal settlement requirements
- bridge financing to solve timing problems
What to expect
- Review of property value and available equity.
- Discussion of your timeline and separation documentation.
- Selection of a lender strategy (alternative or private).
- Short‑term financing arranged to solve the immediate need.
- A clear exit plan to transition back to a traditional mortgage.