At Creative Real Estate Loans, we specialize in helping families bridge the financial gap between “we need care now” and “we haven’t sold the house yet.”
Whether you’re navigating a sudden transition into assisted living or planning ahead for a move, our services are designed to provide fast, flexible, and compassionate solutions—centered around one goal: making sure your loved one receives the care they need without delay or unnecessary financial stress.
We have used our decades of mortgage banking experience and created solutions for some of most problematic situations our families face:
Previously: The family had equity, but no way to pay for upfront assisted living costs until the home sold.
Now: You can offer private bridge loans or short-term equity advances secured by the property.
Result: Family gets cash now → senior moves in → home is sold on the back end.
Previously: Home isn’t “show ready,” but the family has no money for updates or cleanup.
Now: Offer a fix-and-list equity line or rehab advance, or partner with an investor using her loan structure.
Result: Home sells faster and for more → senior nets more → family has less stress.
Previously: The senior can’t vacate → the home can’t be marketed → care is delayed.
Now: You can offer a temporary relocation advance or short-term “sale-leaseback” strategy backed by her funding.
Result: You move quickly, the home can be sold properly, and you solve both timing and care access.
Previously: Because of low income, complex ownership, or unconventional circumstances, they were denied funding.
Now: Your mortgage banker can use private lending rules and her network to fund “outside-the-box” deals—especially asset-based.
Result: We help families who others couldn’t, building loyalty and referrals.
Previously: Disputes or confusion delayed financial action.
Now: Your partner can offer shared-equity agreements or customized lending where family members pool money into a structured deal (or receive buyouts).
Result: We offer a clear path forward where confusion used to stall everything.
Previously: The family didn’t want to list immediately due to emotional reasons or market timing—but still needed cash.
Now: Offer a short-term HELOC alternative or bridge loan against equity without full commitment to selling.
Result: You have flexibility, confidence, and options.
Previously: Selling the home was the only way forward.
Now: Use creative refinance, reverse mortgage alternatives, or partial buyouts so the family can keep the asset while still funding care.
Result: We become a true problem solver—not just a transaction handler.
These are by far not every situation that we have faced, they simply represent the most common. The wonderful thing about working with us is that because we are Private Mortgage Bankers we can be flexible and not try to fit you in a box. Instead, we create the box that you need to solve your families barrier to care.
Reach out to us today and let’s chat about what you are facing!