"Private Funding" Program

Overall Program Approach

If you found the home you love through Sturdy Foundations, however your mortgage lender will only approve you for a portion of the price. Let us help you reach your real estate goals.

If you’re like most home buyers, you’ll need a mortgage to finance the purchase of a new house. To qualify, you must have a good credit score and cash for a down payment. Without these, the traditional route to homeownership may not be an option.

There is an alternative, the "Private Funding" program is a personal loan secured by the remaining equity of the home you wish to purchase.

The Process

  1. Obtain a Mortgage Loan Pre-Approval for the Home you desire
  2. Obtain a Short-term Private Loan for the remaining amount with Sturdy Foundations.

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Buying the Property

If you want to buy the property, normally you’ll need to obtain a mortgage in order to buy the property in full.  However, with the "Private Funding" program available through Sturdy Foundations, you will need to obtain a mortgage that covers at least 70% of the purchase price, and we will provide with a short term loan to help you cover the rest.

Who Qualifies?

Qualification is simple:

  • Must be purchasing a home within our inventory
  • Must have a Pre-Approved Mortgage
  • Proof of ability to pay additional monthly loan payment



  • Private Funding Loans up to $300K
  • Secured by 2nd Position (Available Equity on the Home)
  • 8% APR
  • Max term of 3 years

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"Private Funding" Process

1. Get Approved for a Mortgage


2. Find Your Home in Our Inventory


3. Apply for our Private Funding


4 . Move into your Future Home



The Bottom Line

Private Funding eliminates the banks and allows you to reach your real estate goals faster.  Of course, certain terms and conditions must be met, however, you qualify for more than you think.