Private Mortgages in 2026: What Home Buyers Need to Know Before You Borrow
Understanding Private Mortgages in Today’s Market Okay, so mortgage rates hung around 6-7% for most of 2024 and into 2025, and a lot of…
As a wholesale mortgage broker, we provide access to more lenders, more loan programs, and more financing options.
NMLS ID: 02163072
Why Limit Yourself to One Bank?
One bank has one set of guidelines. We have options.
Whether you’re looking to buy, refinance, access your equity, or invest in real estate,
having access to multiple lenders can make a difference.
Buy a Home
Access Your Equity
Refinance
Invest in Real Estate
Whatever your goal, access to multiple lenders means more programs, more flexibility,
and more ways to structure your financing.
Different Situation? Different Ways to Qualify.
SELF-EMPLOYED
Bank Statements • P&L
Asset Depletion
Programs available
with no tax returns.
W-2 EMPLOYEE
VOE-only programs
may be available.
No tax returns required
on qualifying programs.
DENIED ELSEWHERE?
One lender’s decision
doesn’t define your options.
We can explore other lenders
and guidelines.
More Lenders. More Programs. More Ways to Qualify.
What Our Clients Say
Use our free tools to estimate payments, affordability, and refinancing options — and get personalized guidance instantly.
Buying or refinancing a home is a big decision. Our learning center helps you understand your options clearly — no sales pressure.
Understanding Private Mortgages in Today’s Market Okay, so mortgage rates hung around 6-7% for most of 2024 and into 2025, and a lot of…
Understanding Private Mortgages in Today’s Market Okay, so mortgage rates hung around 6-7% for most of 2024 and into 2025, and a lot of…
Ready to take the next step?
Whether you’re buying, refinancing, or just exploring options,
Moneta Mortgage makes it simple to start.
Get pre-approved in minutes. No paperwork required.