A private refinance loan is perfect for Los Angeles homeowners or investors who want lower payments, access to equity, or better loan terms. It’s also ideal for those who don’t meet conventional lending standards or own unique properties like condos or multi-units. If this sounds like you, here are the requirements.
Private Refinance Loans For All Business Purposes
Suppose you’re looking to refinance without the slow process, rigid underwriting or credit-score constraints of a traditional bank. In that case, our private refinance loan program in Los Angeles is designed for you. At Aragon Home Loans, we specialize in private refinance solutions for homeowners and real-estate investors across L.A., offering more flexibility, faster processing, and personalized support.
Whether you want to reduce your monthly payment, unlock equity for future investments, or take out of a high-rate loan, a private refinance with us gives you a powerful alternative.
REFINANCE LOAN REQUIREMENTS
- Property address and type (single family, condo, multi-unit) on American soil
- Current loan amount and terms (interest rate, remaining term
- Estimate of current value / recent appraisal or comparative market data
- Basic borrower information: credit range, income outline, and any pressing deadline
- Clear understanding of what you’re trying to achieve (lower payment, cash-out, term change, etc.)
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How is a “private” refinance different from a bank refinance?
Private refinance uses non-bank capital (private money, direct lenders) and typically focuses more on property value and exit strategy than rigid credit/or income requirements. Competitors highlight “focus on the value of your property” rather than credit score.
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How fast can you close?
Because we specialize in private refinance, the timeline can be much faster than traditional banks. In some cases, we've had 3–10 day closings.
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How much equity do I need?
It depends on property type, condition, location, and lender parameters. We generally work up to 70-80% loan-to-value on refinance scenarios.
