760-835-5663
sean@seanlarue.com
Luminate Bank
Private Capital · Home Loans

When the bank says no — or takes too long.

Private money and bridge loans are funded through Sean's own private lending relationships, not conventional underwriting — built for buyers, investors, and builders who need to move on a timeline a bank can't match.

Equity-based lending, not income-based lending.

A private money loan is underwritten around the equity in the property, not a stack of tax returns and pay stubs — which makes it fast, flexible, and available to borrowers a conventional bank would turn away.

Interest-Only Structure

Payments cover interest only, keeping monthly costs low while the loan is in place.

Typically 12–24 Months

Short-term by design, structured with a balloon payment due at the end of the term.

No Tax Return Documentation

Qualification is based on the equity and the exit strategy, not your filed tax returns.

Cross-Collateral Loans

Leverage the combined equity across multiple properties to secure a single loan.

Buy first. Move in. Sell on your own timeline.

A bridge loan is a non-contingent, creative financing option that leverages the equity in your current property — one that will soon be sold — to purchase your next home before your current one closes.

Built for convenience and relocation.

This is for homeowners who want to buy the new house, move in, and then prepare the current house for sale — without the pressure of listing, showing, and negotiating while still living there.

Because the bridge loan lets you carry payments on both properties at once, you're never forced to rush the process or negotiate from a position of desperation just to get your current home sold.

Every situation is different. Let's talk through yours.

A 10–15 minute call is the fastest way to know if private money or bridge financing fits your timeline.