About Us
Transparent mortgage loans to help you achieve your goals
We’re in this business since 2010 and we provide the best services.
Washigton Private Lending was founded by individuals who have personally experienced foreclosure, eviction, and financial exclusion within the traditional U.S. banking system.
For many of our founding members, rigid banking practices, opaque loan terms, sudden rate increases, and impersonal servicing led to the loss of homes, destabilized families, and long-term financial harm.
Rather than remaining victims of a system that failed them, these individuals chose to organize, pool knowledge, and rebuild access to capital through a cooperative model grounded in lived experience.
16+
Years Experience
- Human-centered underwriting based on real-life situations, not algorithms alone
- Transparency at every stage of the lending process
- Prevention of avoidable foreclosures through sustainable loan structures
- Long-term relationships over short-term profit
- Full compliance with U.S. federal and state lending regulations
We are not a bank. We are a cooperative platform created by people who understand firsthand what happens when lending lacks humanity — and who are committed to doing it differently, responsibly, and legally.
Our Financing Solutions
Whashigton Private Lending facilitates access to a broad range of private real estate financing solutions specifically designed to address the failures of traditional mortgage lending and prevent repeat financial harm.
Alternative Residential Mortgage Loans
Private residential loans for owner-occupied properties structured with predictable terms, clear rates, and sustainable payment schedules — avoiding payment shock and opaque adjustments.
Investment Property Financing
Private capital for residential or small commercial investment projects, with underwriting focused on asset value, exit strategy, and risk alignment..
Ethical Refinance & Exit-from-Predatory-Loan Solutions
Refinancing options designed to help borrowers exit high-cost, predatory, or unsustainable bank or private loans and transition into more stable structures.
Foreclosure Prevention Bridge Loans
Financing solutions for individuals or families rebuilding after a foreclosure or eviction. These loans focus on stability, gradual re-entry into homeownership or investment, and realistic repayment capacity.
Post-Foreclosure Recovery Loans
Financing solutions for individuals or families rebuilding after a foreclosure or eviction. These loans focus on stability, gradual re-entry into homeownership or investment, and realistic repayment capacity.
Credit-Challenged Borrower Loans
Solutions for borrowers with damaged credit histories resulting from hardship, medical issues, divorce, or past foreclosure. Evaluation is based on current capacity and project fundamentals, not only past credit scores.
Ethical Refinance & Exit-from-Predatory-Loan Solutions
Refinancing options designed to help borrowers exit high-cost, predatory, or unsustainable bank or private loans and transition into more stable structures.
Cooperative Emergency Capital Programs
Limited-scope emergency funding programs for cooperative members facing temporary hardship, designed to prevent default and preserve long-term stability.
Why choose us?
Washigton Private Lending facilitates access to private
real estate financing specifically designed to address the failures of traditional
mortgage lending.
“Washigton Private Lending exists because losing a home should never be the
default outcome of a financial setback.”
Why Our Rates Matter
Lower isn’t just a number. It’s stability.
Traditional banks advertise low rates — until life happens.
Washigton Private Lending offers cooperative
rates
between 6.2% and
8.8%
Each financing solution is designed to
- Avoid payment shock caused by sudden rate increases
- Maintain clear, predictable terms
- Align borrower capacity with repayment obligations
- Protect both borrower dignity and lender capital
For Borrowers
Washigton Private Lending was created by people
who
know what it means to lose a home and what it takes to rebuild.
We understand that traditional lenders often decline applications.
Our cooperative evaluates each request with a broader, more human perspective
while maintaining responsible lending standards.
Our Cooperative Refinancing Model
We don’t trap borrowers. We transition them. Our cooperative structure allows borrowers to: begin with flexible private financing, stabilize their financial situation, refinance internally at lower cooperative rates. The result is reduced long-term cost and protected homeownership.
Testimonials
We were approved by Washigton Private Lending after two banks rejected us without explanation. Everything was transparent — rates, fees, timeline. No surprises. No sudden changes. We finally have a stable home and a payment we understand.
After foreclosure, I thought homeownership was over for me forever. Washigton Private Lending didn’t judge my past — they looked at who I am today. This loan helped me rebuild with dignity and structure. For the first time, I felt treated like a human being, not a credit score.
I was weeks away from losing my home. The bank refused to restructure, even though my income had recovered. Washigton Private Lending stepped in when no one else would. The bridge loan gave me time — real time — to stabilize and refinance properly. Without them, my family would have been evicted.
As a business owner, my income didn’t fit the bank’s boxes. Washigton Private Lending looked at contracts, cash flow, and long-term viability, not just paperwork. They asked real questions and offered real solutions. That approach made all the difference.
Washigton Private Lending approached my investment like a partnership — risk, exit, numbers. No pressure. No hype. Just disciplined private capital. That’s rare.
Loans Approve
Daily Payments
Happy Customers
Expert People
