{"id":1331,"date":"2021-06-03T11:10:31","date_gmt":"2021-06-03T11:10:31","guid":{"rendered":"https:\/\/happyloan.ca\/?page_id=1331"},"modified":"2021-09-16T19:34:24","modified_gmt":"2021-09-16T19:34:24","slug":"private-mortgage-lender","status":"publish","type":"page","link":"https:\/\/happyloan.ca\/private-mortgage-lender\/","title":{"rendered":"Your Trusted Private Mortgage Lender"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div id=\"x-section-1\"  class=\"x-section\"  style=\"margin: 0px;padding: 45px 0px; background-color: transparent;\"   ><div  class=\"x-container max width\"  style=\"margin: 0px auto;padding: 0px;\"   ><div  class=\"x-column x-sm x-1-1\" style=\"padding: 0px;\" ><h1  class=\"h-custom-headline h2\" ><span>Happy Loan &#8211; Your Trusted Private Mortgage Lender<\/span><\/h1><div  class=\"x-text\"    ><p>Is your credit score looking a little worse for wear? Have the banks turned you down for a loan? If you\u2019re looking for financing and feel you\u2019re out of options, don\u2019t worry, Happy Loan has you covered. As a private mortgage lender, we help people who can\u2019t access traditional financing by providing them with fast, affordable private mortgages.<\/p>\n<\/div><h2  class=\"h-custom-headline h3\" ><span>What Is A Private Mortgage?<\/span><\/h2><div  class=\"x-text\"    ><p>A private mortgage is a short-term loan that uses your home as collateral. It is not granted by a bank, but by a private investor. Usually, those who come to private lenders for a mortgage do so because they have been turned down by banks already, or because they don\u2019t have time for a long investigation.<\/p>\n<p>Here at Happy Loan, we won\u2019t go digging through your private matters, we\u2019ll just look at the equity in your home and only require a few documents from you to get started.<\/p>\n<\/div><h2  class=\"h-custom-headline h3\" ><span>Why Use A Private Lender For A Mortgage?<\/span><\/h2><div  class=\"x-text\"    ><p>Unlike Banks or Credit Unions, private mortgage lenders in Canada aren\u2019t regulated or restricted by qualification guidelines. That allows us to provide certain advantages that traditional lenders simply can\u2019t match:<\/p>\n<ul>\n<li>Fewer requirements \u2014 you can get a mortgage, even with bad credit<\/li>\n<li>Less paperwork<\/li>\n<li>Faster than traditional mortgages<\/li>\n<li>Competitive interest rates<\/li>\n<li>Can help you rebuild your credit \u2014 as long as you keep up your obligations<\/li>\n<li>Short-term debt means you won\u2019t be paying off a mortgage for 30 years<\/li>\n<\/ul>\n<\/div><h2  class=\"h-custom-headline h3\" ><span>When Should You Get a Private Mortgage<\/span><\/h2><div  class=\"x-text\"    ><p>Not sure if a private mortgage is right for you? These are some common scenarios where a private mortgage may be useful:<\/p>\n<\/div><h3  class=\"h-feature-headline h4\" ><span><i class=\"x-icon-clock-o\" data-x-icon=\"&#xf017;\" style=\"background-color: hsl(116, 40%, 50%);\" ><\/i>When Time Is of the Essence<\/span><\/h3><div  class=\"x-text\"    ><p>We get it, stuff happens; Things break, family members need help, surprise expenses come up. Whatever the case, when you need cash fast, you can\u2019t count on banks. Private mortgage lenders can help you in days, instead of weeks or months.<\/p>\n<\/div><h3  class=\"h-feature-headline h4\" ><span><i class=\"x-icon-compress\" data-x-icon=\"&#xf066;\" style=\"background-color: hsl(116, 40%, 50%);\" ><\/i>When You need to Consolidate Debt<\/span><\/h3><div  class=\"x-text\"    ><p>If your overdue bills and debts are killing you with interest rates, use the equity on your home to pay them off completely and <a href=\"https:\/\/happyloan.ca\/the-meaning-of-debt-consolidation\/\">consolidate them<\/a> into a single monthly payment with a reasonable interest rate.<\/p>\n<\/div><h3  class=\"h-feature-headline h4\" ><span><i class=\"x-icon-check-circle\" data-x-icon=\"&#xf058;\" style=\"background-color: hsl(116, 40%, 50%);\" ><\/i>When You Already Have a Mortgage<\/span><\/h3><div  class=\"x-text\"    ><p>If you\u2019ve already taken out a mortgage on your home, but find yourself in need of financing, you can get a second mortgage with a private lender.<\/p>\n<\/div><h3  class=\"h-feature-headline h4\" ><span><i class=\"x-icon-dollar\" data-x-icon=\"&#xf155;\" style=\"background-color: hsl(116, 40%, 50%);\" ><\/i>When You Don\u2019t Want a Lifelong Debt<\/span><\/h3><div  class=\"x-text\"    ><p>While long-term debt has its benefits, there\u2019s something to be said about paying things off in a few years and forgetting about it. If you don\u2019t want debt hanging over your head for decades, a private mortgage is the way to go.<\/p>\n<\/div><\/div><\/div><\/div><div id=\"x-section-2\"  class=\"x-section\"  style=\"margin: 0px;padding: 45px 0px; background-color: transparent;\"   ><div  class=\"x-container cs-ta-center max width\"  style=\"margin: 0px auto;padding: 0px;\"   ><div  class=\"x-column x-sm x-1-1\" style=\"padding: 0px;\" ><h2  class=\"h-custom-headline h3\" ><span>Need A Private Mortgage In Calgary?<br \/>\nApply Today<\/span><\/h2><div  class=\"x-text\"    ><p>If you or someone you know is unlikely to qualify for traditional financing, or simply doesn\u2019t have the time or patience to provide extensive documentation, Happy Loan might be just what you\u2019re looking for.<\/p>\n<p>We take pride in helping Calgary homeowners get the financial assistance they need. Our team of dedicated professionals works tirelessly to find the right<a href=\"https:\/\/happyloan.ca\/achieving-financial-goals-with-the-help-of-alternative-borrowing-solutions\/\"> lending solution<\/a> for you. <a href=\"https:\/\/apply.happyloan.ca\/stepone\">Apply now<\/a> for a private mortgage today and get quick, simple financing at reasonable interest rates.<\/p>\n<\/div><\/div><\/div><\/div><div id=\"x-section-3\"  class=\"x-section\"  style=\"margin: 0px;padding: 45px 0px; background-color: transparent;\"   ><div  class=\"x-container cs-ta-center max width\"  style=\"margin: 0px auto;padding: 0px;\"   ><div  class=\"x-column x-sm x-1-1\" style=\"padding: 0px;\" ><a  class=\"x-btn x-btn-global\" style=\"color: #FFFFFF;border-color: #1a3e8e;background-color: #1a3e8e;\" href=\"https:\/\/apply.happyloan.ca\/\"     data-options=\"thumbnail: ''\">APPLY NOW<\/a><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":[],"_links":{"self":[{"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/pages\/1331"}],"collection":[{"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/comments?post=1331"}],"version-history":[{"count":20,"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/pages\/1331\/revisions"}],"predecessor-version":[{"id":1371,"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/pages\/1331\/revisions\/1371"}],"wp:attachment":[{"href":"https:\/\/happyloan.ca\/wp-json\/wp\/v2\/media?parent=1331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}