Yes! Private Hard Money Loans for
Phoenix Owner Occupied Borrowers Private Hard Money Lenders
Get Your New Home and Move Up Today.

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

If You Are Not Using Level 4 Funding
You're Paying Too Much!

You Will Get the Lowest Rates GUARANTEED

 

 

Just Fill Out the Quick Form to Get Started ------>

We Specialize in Phoenix Private Hard Money Owner Occupied Loans

Just Funded Hard Money Loans

Purchase Mortgage
Loan Amount $10.3 M
Value  $20,0M
LTV 55%  Houston, TX

 

Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ

 
property-image-6x

Cash Out Mortgage
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ

new sample 2

Cash Out Mortgage
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA

 
new samlple 1

Apartment Purchase
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ

 
construction

Construction Financing
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ

1139xv2

Rental Purchase
Loan Amount $300,000
8.25% 60 Months
Sedona AZ

 
1149x

Rental Purchase
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ

 
1203x

Rental 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avodale, AZ

320 Austin Purchase at 12

Cash Out
Loan Amount $320,000
12% - Closed in 3 days
Austin TX

 
485k 50% LTV

Rental Purchase
Loan Amount $485,000
50% LTV
Scottsdale AZ

 
1273 river terrace new braunfelds texas 78130

Refi Out Lodge/Hotel
Loan Amount $1,400,000
8% - 58% LTV
New Braunfels TX

 
markgnextdeal

Private Hard Money
Give us a call and
and we can get a loan
done for you!

 

 

Welcome we offer Private Hard Money Owner Occupied Loans in Phoenix up to 80% LTV.  Our Phoenix owner occupied hard money loans program makes it easy for you to get the new home you need despite not having credit, having bad credit, or even if you’re not from the United States.  Owner occupied loans have easier requirements than investor loans and can even benefit from our cross collateral 100% LTV loan option.

Owner occupied hard money loans are also considered Principle Residence Loans, alternative financing, and private money loans.

We continuously stay up to date on all regulation required to offer owner occupied hard money loans.

Poor Credit, BK, Foreclosure, TIN Numbers, Self Employed YES we can!

No Up-Front Fees and No Cost to Apply.

Quick and simple to Apply for a Owner Occupied Private Hard Money Loan


Reasons Why Borrowers Use Owner Occupied Loans using Private Money

Bad credit

Hard to prove income

Dealing with a problem property

Cannot qualify for conventional or FHA/VA financing

Common Uses Of Owner Occupied Private Hard Money Loans Phoenix

Buying first or second home

Refinance an existing loan

Cash out for repairs or remodeling

Cash out for debt consolidation

Hard Money Owner Occupied Loan Program Options

100% FINANCING AVAILABLE if the borrower has another property that is free and clear or has a small mortgage in relation to value (substantial equity) to pledge as additional collateral.

We are a Private Hard Money Lender in Phoenix, making real estate loans to both Investors & Owner Occupants in Phoenix.

NO PRE-PAYMENT PENALTY

We have no pre-payment penalties on our loans.

PURCHASE - REFINANCE

Down payment: 20-30%

Can accept co signers

Allow seller carry back for the Down Payment

Up to 70% or 80% of appraised value

Up to 100% financing with a 2nd free and clear property.

Interest Rates from 9.5% for Owner Occupied Private Hard Money in Phoenix.

Requirements for Private Hard Money Owner Occupied Loans

Income verified – 3 months banks statements or tax return.

BK, Foreclosure, INN, Self Employed YES we can!

Apply for an Owner Occupied Hard Money Loan

If you are interested to see if you qualify for an owner occupied hard money loan in Phoenix, give Jamie a call today at 623-582-4444 or fill out our loan application to get started.

What is an Owner Occupied Private Hard Money Loan?

These types of loans are considered consumer loans. This means that they are for the individual home owner not an investor or corporation. These loans are for borrowers who will live in the home as their primary residence home. These are loans where the borrow will use the funds for consumer purposes, such as paying down debt, buying a boat, debt consolidation or paying a tax lien. The funds are going to be used to help the consumer. When you are applying for a consumer Private Hard Money home loan there are a lot of requirements that the lender must do to make sure that the borrower fits the loan. These are recent requirements, but the main requirement is that the Private Hard Money Lender Lending for an Owner Occupied Homes needs to make sure that the borrower can make the payments. They call this verifying the ability to pay the loan. Since this a Private Loan, these requirements are easier and more relaxed that the traditional lender. Additionally, Phoenix Private Hard Money for Owner Occupied Loans usually have a lower credit requirement. Another requirement is that the loans must be ‘fully amortized over 30 years’ and cannot have a balloon payment. The advantages of a Private Hard Money Lender are that the loan is completed quickly, and the borrower can move fast. Typically, the lender is private individual that will look at the property and make a quick decision. Rates on the loan are higher that a traditional loan, but usually range from 6-12%.

A few other reasons for a Private Hard Money Owner Occupied Consumer Loan:

Self-employed

Trouble documenting income

Inconsistent income history

Credit issues due to a recent loan modification, short sale or foreclosure

Bankruptcy

Client already owns the home and needs to refinance, the purpose is consumer in nature, and there’s no purchase component.

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