Direct Hard Money Private Lenders
Residential Hard Money Lenders in Arizona
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Over $40,000,000 Funded
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Residential From 7.99% APR*
Fix & Flip 90% LTV with 100% of Rehab*
If You Are Not Using Level 4 Funding You’re
Probably Paying Way Too Much
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No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs or No Credit Required
No UP Front Fees - No Junk Fees
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We Specialize in
Residential Hard Money Lenders in Arizona
• No More Begging
• No Jumping Through Hoops
• No Tax Returns
• No Pay Stubs*
• No Credit Required
• No Up Front Fees or Junk Fees
• Flexible Terms From 3 to 60 Months
• Fixed Rate From 7.99% APR*
• Up to 85% As-Is Value, 100% of Rehab Costs
• Commercial/Construction Loans
• Business Loans/Fix&Fip Loans
• Trust Deed Investing
Hard Money Lender Residential Hard Money Lenders in Arizona
Do What Everyone Else Is Doing Start Making Money
If Your’re Not Using Level 4 Funding
You Are Paying Way To Much
Hard Money Rental Purchase
Home Value  $946,000
LTV 50% Â Scottsdale, AZ
Hard Money Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ
Cash Out Hard Money Loan
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ
Cash Out Hard Money Loans
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA
Apartment Hard Money Loans
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ
Construction Hard Money Loans
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ
Rental Hard Money Loans
Loan Amount $300,000
8.25% 60 Months
Sedona AZ
Rental Hard Money Loan
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ
Hard Money 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avondale, AZ
Cash Out Hard Money Loans
Loan Amount $320,000
12% - Closed in 3 days
Austin TX
Rental Purchase Hard Money Loans
Loan Amount $485,000
50% LTV
Scottsdale AZ
Hard Money for Lodge/Hotel
Loan Amount $1,400,000
8% - 58% LTV
New Braunfels TX
Hard Money For Cash Out/Refi
Purchase/Construction Loans Hard Money
Give us a call for the Lowest Possible Rates
It’s Fast
That’s It! The Stress is Gone
No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs
No Credit Required
No UP Front Fees - No Junk Fees
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Click on the Apply Now Button Below.
It starts at 7.99% APR*
Our interest rates are very competitive starting at 7.99% APR*.Â
How to Qualify with Residential Hard Money Lenders in Arizona
Residential hard money lenders in Arizona have different requirements than traditional banks. Generally speaking, it’s much easier to qualify for a loan, but it’s helpful to know what they’ll be looking for before applying.
When most people purchase a home, they’ll head to a bank for a traditional mortgage as a first order of business. You probably know the drill; they request paycheck stubs, bank statements, check your credit, and go through an entire process which can take days or weeks to produce an answer. From there, the bank will either come to you with a “yes” or a “no.” If you get the green light, they’ll break down the terms they’re offering, and from there you can choose to go for it or not. In all. According to Realtor.com, about 30 days usually passes from the time you apply until you’re funded, but it’s not uncommon for 45-60 days to pass. If you get stopped, it’s usually because they noticed something in your credit history they didn’t like or something was off with the financials.
The process with residential hard money lenders in Arizona is quite different and often wraps up in less than a week. Although they do generally request a lot of the same data traditional mortgage companies do, the biggest factor in getting qualified is the value of the house. If the house appraises for considerably less than the amount you’re requesting, most will feel comfortable investing their funds. The sweet spot tends to sit around 50-60% LTV, or loan to value, but sometimes a 90% LTV is possible. This is the ratio of money you’re requesting or the loan amount to the appraised value of the home.
Is Hard Money Right for You?
Most people would not go to residential hard money lenders in Arizona for help if they were trying to purchase a home to live in. The structure is different. Instead of having 30 years to pay off the balance, borrowers usually have five or fewer. One and two-year terms are more common. Moreover, instead of paying principle and interest each month, borrowers usually just make interest payments during the term, with the full balance being due at the end. Those kinds of terms aren’t in line with traditional homebuyers who want to make payments over many years and settle down. However, they can be ideal for real estate investors, those who fix-and-flip, or for someone who needs to qualify quickly and plans to refinance or sell for any reason within a couple of years.
Most people qualify because the approval process is simple.
The bottom line is that, if there will be a fair amount of equity in the property, residential hard money lenders in Arizona will usually offer funding. If you’ve done your homework and think it’s the right choice for you based on your needs, you can chat with a broker before applying to verify what investors are looking for or just recheck your numbers and apply to see what terms you qualify for.