Turn Rejected Mortgage Files Into Closed Deals
Our team funds high-LTV and creative deals so you stay in control and get paid — no license conflicts, no red tape.
✅ Up to 90% LTV (Loan-to-Value)
✅ $2,000–$2,500+ per closed deal
✅ Private and creative funding options
✅ You keep the client relationship
Ready to turn a dead file into real income?
You Work Hard for Every Client — Don’t Let Lenders Kill the Deal
We know how frustrating it is when a strong client gets declined because of high LTV, unconventional income, or bruised credit. That’s where we come in.
Our team helps you:
- Secure private funding quickly
- Offer creative financing alternatives (Subject-To, Lease Options, Seller Carry)
- Save your client relationship
- Protect your full commission
✅ No stress.
✅ No licensing risk.
✅ No lost clients
What You Get
💰 Earn $2K–$2.5K+ per file we close for you
⬆️ Fund deals others won’t — up to 90% LTV
🔹 Creative solutions: Subject-To, Seller Financing, Lease Options
👤 You keep full control of your client relationship
🚮 No licensing risk — all deals assigned to licensed mortgage brokers in the private lending trade.
✉️ We handle the contact, strategy, and closing
🚀 How It Works (Step-by-Step)
Step 1
Submit Your Deal
Step 2
We Assess the File
Step 3
We Handle the Process
Step 4
You Get Paid Fast — within 5 business days after closing!
Referral Agreement & Broker Compliance
We protect your commission with a formal Broker Referral Agreement.
✅ You don’t share credit info
✅ You stay compliant
✅ You keep the relationship
✅ We’re not mortgage brokers — we refer all private loan files to our trusted team of licensed brokers who handle high-LTV deals. For creative financing, we act directly as the buyer using strategies like Subject-To or lease options.
25+ Years Of Experience Helping Homeowners and Professionals Navigate Complex Mortgage Challenges.
Protect Your Commission
We use a simple Referral Agreement to lock in your payout and protect your client relationship.
Want to review it?
Submit A Deal Now
Have a declined or stuck deal? Fill out the form below — we’ll review it and respond within 24 hours.
🚨 Important Before You Submit: Please ensure you have reviewed the Referral Fee Agreement and have already introduced The Private Lender Team to your client. You will be asked to confirm both before submitting this referral. If you need to review the Referral Fee Agreement first, you can click here to view it. Submit Your Client Referral Below Please fill out the information below about your client and their situation. We’ll review your submission within 24 business hours and follow up promptly. ✅ Your commission is protected. ✅ Your client relationship stays intact. ✅ No licensing risk — private loans handled through licensed brokers or creative finance deals purchased directly.
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Need Help Warming Up the Client?
We provide a short warm up script you can forward to your client to get them ready for our call.
Frequently Asked Questions
Will you take my client?
No. We never bypass you. You maintain the client relationship, and we’re here to help you close more deals and earn more commission.
Do I need to stay involved?
Only for the initial intro. We handle the rest — strategy, structure, and closing.
What is Creative Financing?
See examples below 👇
🧰 What Is Creative Financing?
Not every client will fit into a private mortgage solution. When that happens,
we offer flexible creative financing options to save the deal.
Here’s how we can help:
Subject-To
We take over the existing mortgage payments while keeping the loan in the seller’s name. When managed properly, this protects the seller’s credit and gives your client time to move forward without the need for immediate traditional refinancing.
Lease Option
Rent-to-own structure with fixed buyback terms. Ideal for clients working to rebuild credit or recover from temporary setbacks.
Seller Carry
The seller acts as the lender; the buyer signs a promissory note. Works well when there’s equity but traditional approval isn’t an option.
Why Brokers Use This:
✅ Saves deals that would otherwise die
✅ Pays out strong commissions
✅ All documents are legally structured and third-party serviced
✅ Fast, flexible, and client-friendly
