Residential Arizona Hard Money Lenders

Private Hard Money Lenders

Rates from 5.99% APR*

Simple to Apply - Quick Application

Quick Closing
No Up Front Fees
No Cost to Apply

You Will Get the Lowest Rates Possible



We Specialize in Arizona Residential Arizona Hard Money Lenders

Fast/Easy Approval Process

 Up to 90% LTV + 100% Rehab*

Funding in Days

 From $50,000 to $50,000,000*

 No Prepayment Penalties*

 PreApproved in 24 Hours

Flexible Terms From 3 to 60 Months*

Fixed Rate From 5.99%*

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

AirBnB Loans

Rental Property Loans

Just Funded Hard Money Loans

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


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


Fix&Flip Mortgage
Loan Amount $90,000
Home Value $247,000
LTV 36% San Tan Valley, CA

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


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


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


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


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


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

Fix/Flip and Construction Funding


November 10, 2020

How To Apply (& Get Accepted) For Real Estate Loans

The first step in buying your dream home is learning about the ins and outs of real estate loans.  A real estate loan, which is also referred to […]
January 9, 2024

test from joantitle is from subject?

hello joan
January 9, 2024

From ipadtitle is from subject?

Get Outlook for iOS

Reap the Returns: Arizona Spec Home Financing Helps Builders to Meet Market Demand

In a bullish housing market, Arizona Spec Home Financing is helping builders acquire greater returns.

Spec homes are hot, “like Africa hot.” According to a recent article from the Washington Post, “home buyers across the country are scrambling for properties, and real estate professionals are begging for more houses to be built to answer the high demand.” That’s right, the demand for homes is so high that people are “begging” for more homes to be built. While this may be difficult for some niche real estate investors, conversely more demand for homes is phenomenal news for those involved in building and selling homes.

Where chaos strikes a market, the opportunity for increased returns arises. More individuals buying homes leads to a scarcity of available houses. Thus, higher prices are charged to produce homes that are in short supply. For spec home investors, this means a possibly of shorter intermediary periods between investment and return. Confirming this, the Post’s article continues to state, “in today’s hot housing market . . . most houses selling fast . . . . Builders [are] building houses as fast as the lots are developed.”

Why such a demand for spec homes? Well, with a growing housing market and a growing number of individuals selling homes from positive equity positions, there is an influx of individuals looking to move immediately into a new and reliable housing after selling their former properties. Spec homes, according to the same article, are fulfilling this niche. Since spec homes are based off of a generic, reliable, and cost-effective plan, individuals itching to find a new home within a short amount of time tend to find spec homes to be secure, new, and reasonably priced answer to their market demands.

Arizona Spec Home Financing for Real Estate Developers is Fast, Easy, and Attractive 

While this is great news, while there is a growing market for building these types of homes, where does one acquire Arizona spec home financing? Great question. Arizona Spec Home Financingis available through hard money lenders. Many spec home builders use hard money lenders as a Arizona Spec Home Financing source because conventional lenders are fickle when it comes to granting loans on lots of land devoid of buildings. Though hard money may have a higher interest rate than a conventional loan, it is quick and painless to set in motion as a funding source and many times the only available financing source to be found. 

Hard money lenders form a funding base for those looking for spec home financing.

Join many spec home investors in acquiring Arizona spec home financing. Talk to your hard money broker today at Level 4 Funding to see what rates and terms apply to any foreseeable spec home investments on the horizon.  

Benefit from Arizona Bridge Loans: Invest and Receive Quicker Returns

Weigh the short-term and the long-term with Arizona Bridge Loans to find an ideal investment situation.

According to an article in Investopedia, a Arizona Bridge Loans “is a short-term loan used until a person or company secures permanent financing or removes an existing obligation.” This means that the goal of a Arizona Bridge Loans is to obtain some sort of short-term loan in order to secure an investment.  In the case of real estate investment, the goal of a bridge loan is to acquire possession of a property within a limited amount of time in order to obtain a more favorable loan and interest rate later.

For example, a real estate investor may use hard money Arizona Bridge Loans to acquire a distressed property, a property that conventional lenders will not finance, for $100,000 at an interest rate of 7% to 15%. After the investor puts $50,000 of his or her own money into renovation on top of the $100,000 acquisition fee, the investor may be able to secure a long-term loan, which would greatly reduce the interest rate that the real estate investor is paying, say to 5% interest.

The long-term goal of a Arizona Bridge Loans is to acquire long-term financing because this would greatly reduce the amount of interest paid on hard money. Hard money is beneficial for the ease of acquisition it brings. But, on the other hand, hard money comes at a cost. It is expensive, with higher interest rates than conventional lenders. Paying up to 15% plus in interest for a long period of time can be crippling. However, if the end goal is to transition to a conventional loan at a lesser interest rate, then the burden of hard money can be greatly reduced.

Arizona Bridge Loans: The Short-Term and the Long-Term Perspectives of Real Estate Investing

For many, the ability to switch out from hard money to conventional lending is out of the question. This may be due to credit score, credit history, foreclosure, or bankruptcy. The things that typically scare conventional lenders off since they paint a negative image of whether or not a borrower is able to pay off his or her loans.

Less interest is more gross. Arizona Bridge Loans may be the business solution for you!

But, on the other side of things, if an individual borrower were to have a favorable credit situation and a stellar credit history, bridging to a conventional loan may be a favorable strategy. Not only would a bridge loan allow such an investor to acquire wholesale property at an accelerated rate in order to get an edge up on other investors chomping at the bit for coveted property, it would also allow such an investor to convert high interest into low interest until the desired property generates a desired return. For those that renovate to rent property, this is especially a benefit because a lower interest rate would guarantee lower annual payments to the lienholder resulting in higher gross.