Private Mortgages

A private mortgage isn’t just about financing—it’s a flexible solution for borrowers who need options outside traditional lenders. I’ll help you explore private lending opportunities, understand terms, and structure a mortgage that meets your unique situation.

Flexible Financing, Tailored To You

Private mortgages give you access to lenders and terms that traditional banks may not offer. Whether you’re bridging a gap, refinancing, or facing unique circumstances, I’ll help you navigate the private lending landscape with clarity and confidence. My goal is to make sure your mortgage works for your goals, timeline, and peace of mind.

This is for you if:

  • You need financing that traditional banks may not provide.

  • You want guidance on terms, rates, and options from private lenders.

Flexibility

Private mortgages give you options that traditional lenders often can’t, allowing you to move quickly and adapt to your unique situation.

Guidance

I’ll help you navigate private lending terms, rates, and requirements, so you can make informed decisions without the stress.

Clarity

You’ll fully understand the costs, timelines, and implications of your private mortgage, so there are no surprises along the way.

Prepared. Empowered. Confident.

Make Private Mortgage Decisions Confidently

Private mortgages can be complex, but I’ll simplify the process and guide you every step of the way. I’ll review your financial situation, explain lender options, and help structure a solution that works for you. You’ll never feel left in the dark—I provide clear guidance, answer your questions, and ensure you feel comfortable with your decision. Working with me means personalized support, thoughtful strategy, and a focus on outcomes that matter. With careful planning, your private mortgage can provide the flexibility and security you need, now and in the future.

Equally important is having a clear plan and Exit Strategy. A private mortgage should never feel like a dead end—I’ll work with you to map out how this financing fits into your bigger picture. Together, we’ll build a strategy that not only meets your immediate needs but also positions you for long-term success, whether that means transitioning back to traditional financing, refinancing, or achieving other financial goals. This forward-looking approach ensures you have both the confidence and clarity to know exactly what comes next.

Connect with Jenn

The Process: How We Work Together

Private mortgage applications don’t have to be stressful. Here’s how I guide you:

01.

Discovery Call

We discuss your goals, timeline, and unique financial situation.

02.

Application Review

You complete a secure application and submit supporting documents.

03.

Lender Match

I assess your file and connect you with private lenders who fit your needs.

04.

Proposal And Terms

You receive tailored financing options, including terms and rates that meet your goals.

05.

Move Forward

We finalize the mortgage and I continue to provide support as your needs evolve.

LET’S TALK OPTIONS

Start Your Private Mortgage Journey Today!

Reach out to book your discovery call. I’m here to help you feel informed, empowered, and confident in your private lending decisions!

Client Testimonials

  • Jenn was recommended to me by my real estate agent for my first home purchase. She walked me threw every step and answered my million questions. She got me an amazing rate and term. She went above and beyond all expectations. I'm glad I was able to use her services and will be sure to do so again in the future. Highly recommended you won't be disappointed.

    —Jason

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn Locke is highly highly recommended. She is knowledgeable, efficient and extremely hard working. Her quick and efficient communication, her attention to detail and her willingness to find a solution for our family was beyond impressive. Our situation was unique and required a great deal of hard work and she delivered. She is wonderful to speak with, she made us feel comfortable and confident our finances were in the best hands. Highly recommend Jenn Locke Mortgages

    —Jennifer C

  • Although I’d recommended Jenn to friends for years, I finally worked with her in 2025. I needed to refinance while keeping my father on the deed and securing approval on a single income. Jenn guided me clearly, simplified the process, and worked efficiently within my timeline. The outcome exceeded my expectations. Her updates on the financial climate are easy to understand, and her knowledge, passion, and dedication shine. I highly recommend Jenn for anyone looking to mortgage or refinance a home.

    —Vanessa H

  • I can't speak highly enough of Jenn. It was my first experience renewing my mortgage after the rates had gone up. Not only did Jenn get me the best possible rate she put all my anxiety and fears of this uncertain time to rest. Thank you Jenn for all your hard work and professionalism.

    —Andrea R

  • Jenn was incredible, she really took the time to talk to me about my mortgage options and answer all of my many (many) questions. She helped set my mind at ease during a stressful time and got us set up with a mortgage situation we are happy with. She is kind, patient, and understanding. She also completed everything very quickly and efficiently for us, which was needed in our situation. I highly recommend Jenn.

    —DeeDee A

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn was amazing to work with. She went above and beyond by teaching me about the market, helping me make decisions based on my current situation, and answering my never ending questions. She responded to e-mails immediately and was able to secure me an amazing rate. She made the entire process easy and completely stress free for me. I would highly recommend Jenn to anyone who is looking for a new mortgage or a renewal.

    —Laurie W

  • Jen was friendly and efficient. She walked us through every detail of our mortgage. I know we will reach out to her again when needed.

    —Kim S

  • We had the pleasure of working with Jenn Locke for our mortgage renewal, and the experience was exceptional!! Jenn managed the process with grace, professionalism, and a deep understanding of the market. Jenn was not only knowledgeable but also incredibly communicative, ensuring a smooth and stress-free journey. We highly recommend Jenn for anyone seeking top-notch service and a trustworthy professional. A big thanks for a job well done and thank you!

    —Miya S

  • Jenn helped me buy my first home on short notice and did a great job. She went out of her way to help me even when she was on vacation, and was always quick to respond. She treated me with respect and answered all the questions I had, which were many through the process! She was very professional and found me a good mortgage price. I will definitely use her in future and recommend her to friends buying their first place.

    —Naomi L

  • So glad we reached out to Jenn when it came to the search for our first home . She made us feel comfortable right away and could really trust her to help us with anything we needed or had questions about regarding mortgages and home ownership . Super knowledgeable and friendly , was a pleasure to work with highly recommend!

    —Jeff W

  • Jenn has been so helpful! My partner and I have been looking for creative solutions to reach our financial goals and Jenn has delivered. She works hard for her clients - does the due diligence required and presents all of the options in an easy to understand way. She is responsive and has worked around our busy schedule. I would highly recommend working with her!

    —Kathleen K

  • Jenn was recommended to us by family, and she was the most helpful part of our experience as first time home buyers. We purchased our home through a private sale, and really feel like Jenn went above and beyond in helping us understand the process of not only securing a mortgage, but also buying our home. Jenn was patient with us with all of questions, and was very responsive and always available to us. I would recommend Jenn to anyone, we loved working with her!

    —Jodi K

  • I have been working with Jenn for nearly 10 years over multiple properties and multiple transactions . Jenn is relationship focused , knowledgeable and always able to get it done ! I happily refer any of my colleagues , family or friends to Jenn whenever I can . I look forward to many years of continuing to work together!

    —Dan C

  • Don't go anywhere else! Jenn is knowledgeable, approachable and realistic. She explains options thoroughly and answers all of our questions patiently. We are so happy with the work Jenn has done for us and can't say enough good things about her!

    —Amanda S

  • Jenn is the most patient expert at explaining all issues involved in transferring a mortgage . She made me comfortable and confident that I made the right decision in contacting her. I am thankful.

    —Victoria E

  • We were so happy with Jenn’s efficiency, professionalism, and knowledge while dealing with our mortgage needs. We would 100% recommend her! I have worked in real estate and with dozens of mortgage brokers and have never been more impressed! Thank you Jenn!!

    —Crystal O