Stonefield Capital
Borrower Information
Why Private Mortgages?
Traditional lenders often have rigid guidelines that don’t fit every borrower’s situation. Whether you're self-employed, have bruised credit, need quick financing, or are investing in a unique property, a private mortgage can offer the flexibility you need. At Stonefield Capital we specialize in fast, common-sense lending backed by real people—not algorithms. We look at the full picture, not just your credit score, to find tailored solutions that work for you. When banks say no, we find a way to say yes—quickly, transparently, and professionally.
Fair & Competitive Pricing
Our Rate Sheet
First Mortgage
- 1 - 12 Month Terms
- 1% - 2% Lender Fee
- Fully Open Loans Available
- Flexible Payment Options
- No Appraisals Needed!
Second Mortgage
- 1 - 12 Month Terms
- 1% - 2% Lender Fee
- Fully Open Loans Available
- Flexible Payment Options
- No Appraisals Needed!
Construction Loans
- 1-12 Month Terms
- Flexible Draw Schedule
- Same Day Advances
- Common Sense Lending
- No Appraisals Needed!
Bridge Financing
- Interest FREE!
- All-in Fee Pricing
- Legal Set-Up and Discharge Included
- Flexible Payment Options
- No Appraisals Needed!
Have Questions About Private Mortgages?
View our FAQ Section at the bottom of this page for the most common questions!
What Are The Steps for a Private Mortgage?
Deal Submitted
You or your broker can submit a private mortgage request through our online portal (preferred).
Commitment Issued
Receive a commitment within 24h, curated for your situation. This includes a list of required documents
File Instructed
Our lawyer will send instructions to your lawyer to begin the legal process of your private mortgage.
Deal Funded
Once all conditions are fulfilled, our lawyer funds your lawyer and the deal is closed!
Frequently Asked Questions About
How A Private Mortgage Works For Borrower
A private mortgage is a loan provided by a private lender, rather than a bank. It’s secured by real estate and often used when timing, flexibility, or specific borrower situations make traditional financing challenging. We specialize in lower-risk private mortgages—meaning our focus is on well-secured loans with a clear exit strategy.
There are many reasons. Some borrowers are self-employed, others are in time-sensitive situations like refinancing or purchasing quickly. You might also have temporary income issues or be waiting on longer-term financing. A private mortgage can offer the speed and flexibility banks often can’t—especially when your deal is strong, but doesn’t fit their mold.
We work primarily with borrowers who have a solid amount of equity in their property or a clear plan for repayment—whether it’s through a future sale, refinance, or income improvement. We aim to lend where there’s strong security and reasonable terms for everyone involved.
Not necessarily. While we prefer working with borrowers who show responsibility and a plan, your credit score isn’t the only factor. We focus more on the property value, your equity, and your ability to repay the loan.
Our major focus is residential properties but we lend on residential, multi-unit, and commercial properties, and sometimes on land—provided there’s solid value and a clear purpose for the loan. We’re happy to review your property and let you know where it fits.
We move quickly. In many cases, approvals happen within 24–48 hours, and funding follows shortly after. Timing depends on the complexity of the deal, but we’ll keep the process clear and efficient from day one.
Private mortgages generally come with higher rates than bank loans because they’re more flexible and faster. That said, because we focus on lower-risk lending, our rates and fees are competitive within the private lending space. Everything is disclosed clearly up front.
Most private mortgages are short-term, usually anywhere between 1 to 12 months. They’re designed to give you time to improve your financial situation or complete a project before transitioning to cheaper long-term financing if needed.
Yes, absolutely. Early repayment is welcome in most cases. Many of our loans will be fully open, allowing for repayment whenever you have the funds available. Some loans may include a minimum interest period, which we’ll disclose clearly before you commit—no surprises.
It starts with a conversation. We’ll look at your property, your needs, and your plan. If it makes sense, we’ll let you know quickly and transparently. If not, we’ll always explain why and, where possible, offer guidance.