Get Quick Capital for Your Next Real Estate Move
Need fast funds between buying and selling? At Prime Plus Mortgages, our hard money bridge loans give Phoenix investors the speed and flexibility they need — with no credit checks, no delays, and no banks.
- Same-day approvals
- Asset-based lending
- Made For Arizona Real Estate Investors
What Is a Bridge Loan?
A bridge loan is a short-term loan that helps investors “bridge the gap” between two real estate transactions — like buying a new property before selling another, or refinancing once improvements are made.
In real estate investing, bridge loans are often used to:
- Buy a new property before a sale or refi closes
- Finance down payments for better opportunities
- Secure deals fast without waiting on conventional loans
- Reposition or improve properties before long-term financing
At Prime Plus Mortgages, we offer bridge loans as hard money loans, meaning they’re fast, flexible, and based on the property value.
Use Cases for Bridge Loans in Phoenix
| Use Case | Example |
|---|---|
| Buying before selling | Buy an SFR before your other flip closes |
| Delayed refinance | Fund now, refinance later with DSCR or rental loan |
| Portfolio repositioning | Move equity from one rental to another |
| Pre-development funding | Acquire land or value-add property ahead of permits |
| Equity unlock | Pull funds out of a free-and-clear property |
How Our Bridge Loans Work
Apply Online
Get a Same-Day Offer
Close & Fund
Reviews From Arizona Investors
Why Investors Use Hard Money Bridge Loans
| Benefit | Prime Plus Bridge Loan | Traditional Bridge Loan |
|---|---|---|
| Approval Time | Same Day | 2–4 Weeks |
| Based On | Property (Asset-Based) | Credit, DTI, Income |
| Credit Requirement | None | Yes |
| Prepayment Penalty | No | Sometimes |
| Local Expertise | Yes (Arizona only) | No (National Lenders) |
Arizona Investors We’ve Helped
- Phoenix – Flipper used a bridge loan to acquire a $325K deal before closing their previous sale
- Scottsdale – Investor tapped equity from a 4plex to buy a short-sale opportunity
- Mesa – BRRRR buyer used bridge loan to close before their DSCR loan was ready
- We lend across Phoenix, Mesa, Chandler, Scottsdale, Glendale, Tucson, and all of Arizona.
”“Bridge loans let you seize opportunities before the door closes, and in Arizona’s market, that speed is everything.”
— Loren Howard, Founder, Prime Plus Mortgages
Real Projects by New Investors
Loan Requirements
To qualify, you’ll need:
- A property under contract or close to closing
- Basic renovation budget and timeline
- Fair or better credit (No perfect credit required!)
- Exit strategy (sell or refinance plan)
Funded Fix & Bridge Projects
Our 3-Step Funding Process
1
Apply Online
2
Get Approved
3
Get Funded
Ready to Flip Your First Property?
Prime Plus Mortgages specializes in helping beginners get started.
Let us guide you through your first project with local expertise and fast funding.
Frequently Asked Questions
Do I need good credit to get a bridge loan?
No. Our bridge loans are hard money loans — based on asset value, not credit score or income.
How fast can you close a bridge loan?
We can close in as little as 1–3 days, depending on the deal. Same-day approvals are available.
What types of properties qualify?
Single-family, multi-family, land, mixed-use, and investment properties all qualify.
