Since most banks and money lenders only take into account credit score, income, and employment when deciding upon approval, receiving a Mortgage can seem like a monumental—impossible even—task to undertake. And, not only that, but traditional Mortgages can take months to obtain. They can include a lot of hidden fees and fine print, leaving you in the dark and frustrated with the Mortgage process.

That is not the case when you utilize the services of Arizona hard money lenders. These lenders focus their services on the purchase of homes undergoing the process of short sales or foreclosures. That’s why they consider mainly the value of the property or home when deciding to approve a Mortgage. They don’t worry so much about your credit score or employment history—they leave those things where they belong: in the past.

Like mentioned before, Arizona hard money lenders are different than your typical financial institution. They won’t ask to see your pay stubs and you could literally be on your way with your Mortgage in as little as 24 hours. Not only that, but that Mortgage you’re walking away with could be up to 80% of the value of the home. This can be used for the purchase of any home or property, but these types of Mortgages focus mainly on three areas: foreclosures, short sales, and fix-and-flip projects. Hard Mortgages are a creative way to finance an otherwise impossible purchase.

You simply contact a hard Mortgage company and they can connect you with an Arizona hard money lender that will consider his or her options, and then often choose to invest in your project. Most hard Mortgages are fairly short-term (about 6-36) months, but are specific and determined on a case-by-case basis. There are no application fees, closing costs, or consultation fees when you begin the process of seeking out an Arizona hard money lender. They understand your circumstances and are willing to work with you—not against you—to achieve your dream.