Raw Land – Lot

Lending for Commercial Development
Commercial Loans - 12 to 60 months
From 7.99%*

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

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Raw Land, Lot Loans, Construction
Private Hard Money Lending

Fast/Easy Approval Process

Loan Value Up to 90%*

Funding in Days

From $50,000 to $30,000,000*

No Prepayment Penalties*

PreApproved in 24 Hours

1st Position and 2nd Position Loans

Flexible Terms From 6 to 24 Months

Fixed Rate From 7.99% APR*

Commercial LIBOR+350*

Commercial/Construction Loans

Raw Land Loans

Just Funded Hard Money Loans

Construction Loan SFR
Loan Amount $537,000
Land Value  $1,200,000
Queen Creek AZ


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


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

Land Loan Arizona
Loan Amount $597,000
Land Value $1,500,000
Camp Verde AZ


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


Construction Financing
Loan  $185,000 
Home Value $275,000
Prescott Valley AZ

  • Paul Nordini
    “Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.”
  • Roger Johanson
    “I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.”
    Roger Johanson
  • Rick Carrol
    “After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.”
    Rick Carrol

Arizona Private Money Lender for Land Loans & Lot Loans

You’ve found land or a lot that can be the perfect location to build a spec home, a semi-custom home, a subdivision, or a commercial development. Whatever your ideas are, it’s poised to be a great investment. Maybe you’re willing to make the big move and buy it, but your bank account balance just doesn’t play its part; Level 4 Funding’s land and lot loan is the best solution for you. Our land and lot financing are an affordable and easy way to buy a lot or land ideal for construction of a residential or commercial property.

Land and lot loans can also be referred to as raw land loans, land purchase loans, and vacant land loans. Getting a piece of land that you can buy and hold while obtaining permits and plans approved has never been easier and affordable than when you are getting the help of Level 4 Funding.

We are an experienced hard money lender for land and lot loans serving the Phoenix area, including, Chandler, Scottsdale, Glendale, Mesa, Peoria, and Northern Arizona, as well as Tucson. Being a private money lender, we can finance deals in the quickest way possible, and our customers are always content with the simple private money loans process. Our loan will help cater for:

  • Raw Undeveloped Land
  • Land Banking
  • Plotted and Engineered Lots
  • Commercial Units
  • Improved Lots

With our lot loans, you have the flexibility to purchase a piece of land and build in the future when the right time comes. Whenever you are set to build an investment property on that piece of land, we will provide an all-in-one construction loan. With a fixed term and competitive rates, you’re able to build out the project with financing provided for both the horizontal improvements as well as the vertical construction to complete the project. This is a great way to help keep your finances organized while you wait to get the full construction amount.

Our Lot and Land Hard Money Loan Features:

  • Borrow up to 70% Loan to Purchase Price
  • Easy application process
  • Loan fee ranging from 1-3 points
  • 6-24 Month Term with provisions for extension
  • We can fund start to finish in as little as 48 hours
  • We don’t typically include prepayment penalties

Our Commercial Unit Hard Money Loan Features

  • Loan amounts of up to $30,000,000 (exceptions may apply)
  • Maximum 75% LTC (typically 55% - 70% LTC)
  • Rates starting at (30 day) L + 395
  • 1-3% Origination Fee, 1% Exit Fee
  • Terms of 2 – 3 years with extension options
  • Interest Only, Non-Recourse
  • Primary markets (preferably in-fill locations)
  • Strong Sponsorship with significant Net Worth & Liquidity

Sponsors preferably have track record of completing similar type projects in the subject market or similar markets
Multi-Family, Mixed-Use, or Condo projects only

About Level 4 Funding as a company:

  • We are an asset-based lender
  • We don’t check credit
  • We don’t ask for personal tax returns
  • We can fund start to finish in 24 hours
  • No prepayment penalties

Level 4 Funding has an extensive knowledge about real estate investing and needs to be used as a resource that you or your clients use.

Meet The Broker

Dennis has extensive experience about purchasing, renting and selling numerous homes over the past 40 years. His first purchase was a property in California when he was 18 years old.

Dennis holds a Bachelor of Science in Business Administration from California State University with majors in Computer Science and Business Management.

He is an Licensed Mortgage Broker, Licensed Mortgage Originator, Licensed Real Estate Agent, Licensed Insurance Agent in Life /Health/ Property /Casualty Agent, Certified Sort Sales Specialists (CSS), Certified Negotiator (CNE), Certified Land Specialists, Certified Web/SEO Specialists, ATF Licensed Firearms/Explosives Specialists and FAA Licensed Private Pilot.

Married for 42 years with two girls and 5 grandchildren and an Arizona resident for the past 40 years. Licensed AZ MB 0923961, Licensed AZ MLO NMLS 1057378.