How to Qualify for a Private Mortgage (Even with Bad Credit)

Struggling to secure financing due to low credit scores or past financial challenges? At Fibonaii Group Inc. (FIG), we specialize in private mortgage lending solutions designed to help borrowers—regardless of credit history—access the funding they need. Unlike traditional banks, which heavily rely on credit scores, FIG Investment Solutions focuses on property value, equity, and viable exit strategies.

Here’s how you can qualify for a private mortgage—even with bad credit.

1. Strong Property Equity is Key

Private lenders prioritize collateral over credit scores. If you have significant home equity or are purchasing a property with a solid loan-to-value (LTV) ratio (typically 65-75%), you’re already in a stronger position.

✅ Tip: The more equity you have, the lower the lender’s risk—making approval easier.

2. Show a Clear Exit Strategy

Private mortgages are often short-term loans (1-3 years). Lenders need confidence you can repay, whether through:

• Selling the property (fix-and-flip, refinancing)
• Securing long-term financing (once credit improves)
• Other income sources (investments, business revenue)

✅ FIBONAII GROUP Insight: A well-structured plan increases approval chances, even with past credit issues.

3. Prove Income & Financial Stability

While private lenders don’t require perfect credit, they still assess ability to repay. Be prepared to show:

• Bank statements (consistent cash flow)
• Asset documentation (savings, investments)
• Employment/self-employment records

✅ For Real Estate Investors: Highlight rental income or projected profits from renovations.

4. Partner with a Co-Signer or Investor

If your credit is weak, a co-signer with strong finances or an investment partner can strengthen your application.

✅ FIG Investment Solutions Tip: Joint applications spread risk, making lenders more comfortable.

5. Work with the Right Private Lender

Not all private lenders are the same. Fibonaii Group Inc. specializes in:

• Flexible underwriting (focus on property potential, not just credit)
• Fast approvals (days, not months)
• Custom loan structures for real estate investing and unique financial situations

Bad Credit? Here’s What You Can Do Now:

1. Calculate your property’s equity (or down payment if purchasing).
2. Prepare financial documents (bank statements, tax returns).
3. Outline a repayment plan (refinance, sale, or other exit).
4. Connect with FIG—we’ll match you with a solution tailored to your needs.

Why Choose Fibonaii Group Inc.?

At FIG, we believe bad credit shouldn’t block your path to financing. Our private mortgage lending solutions empower:

• Real estate investors seizing time-sensitive deals
• Homebuyers locked out of traditional loans
• Entrepreneurs building wealth through property

Ready to move forward? Contact FIG Investment Solutions today! at info@fibonaiigroup.ca or visit us as https://fibonaiigroup.ca

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