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At 3M Mortgage Services, we believe that everyone deserves a chance at a better financial future, regardless of their qualifications. That's why we specialize in providing mortgages and other loans to homeowners who have been turned down by conservative banks and trust companies.

Homeowners with equity or buyers
with a large down payment

Traditional mortgages aren’t for everybody. That’s where private mortgages come in. Like traditional mortgages, private
mortgages let you borrow on the equity you’ve built up in your home, or purchase a home (if you have a large down payment). But unlike a traditional mortgage, a private mortgage is handled by a lender which is willing to work with borrowers who’ve had trouble securing a traditional loan for the following reasons:

  • Bad credit

    Private lenders are usually a lot more flexible than traditional ones. If your credit could use some improvement, leave it to us. We can help you utilize the equity in your home to pay off your debts and get your credit back on track.

  • Self-employed

    Private lenders can be a great option for those who are self-employed. Entrepreneurs who make money but have trouble getting a traditional mortgage as they may not declare all of their income personally or to the government.

  • Bridge financing

    If you’re buying a new home before selling your old one, or if you need money for a short period of time to cover you while you’re waiting for a future lump sum payout, a bridge loan might be the right choice.

  • Debt consolidation

    Traditional lenders get nervous when they see that you’re trying to pay off existing debt, but private lenders are happy to help. At CMI, we can help you utilize the equity you have built up in your home over the years to repay your unsecured creditors and drastically reduce your monthly payments.

  • Second mortgages

    A second mortgage can be a great tool for consolidating debt, funding home renovations, providing working capital, or a bridge loan. A major advantage of a second mortgage would be to avoid large breakage penalties on your first mortgage, or for those with a low-rate first mortgage but who wouldn’t qualify for such a low rate with a new first mortgage today.