"Private lender" gets used loosely. Some are funds. Some are brokers. Some are banks dressed up in different branding. Global Fox Financial is genuinely investor-funded — real people, with real capital, lending it directly. That structural difference is why we can close a loan in the time it takes a bank to schedule the first underwriting call.
Bank vs. Investor-Funded: The Real Difference
| Step | Bank | Investor-Funded |
|---|---|---|
| Approval basis | Borrower (W-2, tax returns, credit) | Property (equity, value) |
| Approval time | 2–4 weeks | 24–48 hours |
| Appraisal | Third-party, 1–3 weeks | Internal, same week |
| Total time to close | 30–60 days | 7–14 days |
| Prepay penalty | Often yes | None |
Why It's Actually Faster
- • No committee. The decision-makers are the people who answer your call.
- • No third-party appraisal. We do the valuation in-house, up front, on our dime.
- • No secondary-market guidelines. We're not selling the loan to Fannie Mae, so we don't have to underwrite to their checklist.
- • Closing handled by attorney. The Law Office of Dulce Hernandez handles most closings — predictable, fast.
What We Don't Do
We do not fund DSCR loans, conventional or bank-style mortgages, fix-and-flip, rehab, or construction. We fund stabilized residential and commercial property in Hidalgo and Cameron County.
See the full step-by-step on our process page.