Private Hard Money Loans

Fix and Flip
Rental Property
Cash out Financing
Occupied Borrowers

Get Your New Home and Move Up Today
Rates from 5.99*

Get the Home for You and Your Family.
Provide a Safe and Secure Place to Live.
Don’t Be a Renter – Be a Home Owner.

NO Problem Bankruptcy, Poor Credit, Self Employed

Simple to Apply - Quick Application - Quick Closing
No Up Front Fees
No Cost to Apply

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Just Funded Hard Money Loans

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No More Begging

No Jumping Through Hoops

No Tax Returns

No Pay Stubs

No Credit Required

No Up Front Fees or Junk Fees

No Cost to Ask Us

Hard Money Rates and Terms

Flexible Terms From 3 to 60 Months

Fixed Rate From 5.99% APR*

Up to 90% As-Is Value, 100% of Rehab Costs

Construction Loans

Fix&Fip Loans

AirBnB Loans

Rental Property Loans


News and Information

September 16, 2022

Your Guide to How Owner-Occupied Hard Money Loans Work

Owner occupancy hard money in Arizona means a borrower will use a property as their primary home.   Lenders use this distinction because they want to […]
September 6, 2022

Should you use cash to purchase your fix and flip property?

The real estate investing business is full of options. One thing that makes it so great is that you can support almost any way you desire.  […]
September 6, 2022

[FWD: Private Money Lending Questions and Answers.. …]

September 1, 2022

What First-Time Homebuyers Need to Know About Purchasing a Fixer-Upper

Fixer-upper is a great way to make money in real estate.   Purchasing your first home is an incredibly rewarding experience but qualifying for a mortgage […]
September 1, 2022

You don’t have money to be a real estate investor?

One of the most common excuses investors make is not having enough money. Instead of going out and finding a private hard money lender, they complain […]
August 30, 2022

Can You Get a Hard Money Loan for Owner Occupied Homes?

Owner-occupied hard money loans are also considered Principle Residence Loans, alternative financing, and private money loans. Reasons Why Borrowers Use Owner-Occupied Hard Money Loans Bad Credit […]


A Arizona Hard Money Loan is an option for real estate investors when traditional lenders don’t work for their situation. Instead of using your credit score and income to base approval for a loan—they use property as a hard asset and use that property as collateral.

A Arizona Hard Money Loan is simply an asset-based loan. As you know, the most significant factor affecting loan approvals is FICO scores. Lenders want borrowers that have shown a solid payment history because this shows their ability to repay the loan.

Hard money lenders use a different approach to lending—they base it almost solely on collateral. Because of this they place less concern on an applicants credit history. Why? Because if the borrower defaults they can foreclose on the property, sell it and generally still make a profit.


Arizona Hard Money Loans aren’t necessarily for everyone, but there are many situations where these loans are beneficial to the borrower. One scenario is starting out flipping houses—you probably wouldn’t have enough money to buy the property with cash. This is an example of a time a Arizona Hard Money Loan would make sense.

Typically, Arizona Hard Money Loans are very short-term loans ranging from six to twelve months—however, they are known to be extended out up to five years depending on the situation. These loans are generally have higher interest rates than conventional loans—hence, investors don’t want their loans for a long period of time.

A plus with a Arizona Hard Money Loan is how quickly the loan process takes. These loans can close in a matter of only a few days—and it is a rare occurrence that the process takes longer than two weeks. Arizona Hard Money Loans allow investors opportunity to purchase more properties with less upfront capital—which means a larger profit.

Arizona Hard Money Loans are very different than a traditional loan. They offer much greater leverage to the investor and they finance deals much quicker than traditional loans. Because hard money lenders are not as concerned with the borrower’s financial situation there isn’t the amount of paperwork and the long waiting period as there is with a bank. Because hard money lenders make their own rules and regulations, unlike banks, there is more flexibility with their loans. Although, they do have underwriting it is a much simpler process than conventional mortgage underwriting. Approval is based on the value of the property—and although they will look at your credit history and finances they are still able to finance a loan based on hard-assets.

You are able to get many different loans from a hard money lender.

Bridge loans, construction loans in Arizona in Arizona and Arizona FIX AND FLIP LOANs are only a select few of the many loan options hard money lenders can provide. Generally speaking, borrowers can obtain a Arizona Hard Money Loan for any property— airbnb, single-family residence and the list goes on. Find yourself a property and then find yourself a local hard money lender.