Arizona Construction Loans for Real Estate Investors
• Same-Day Approvals • No Credit Checks •
★ ★ ★ ★ ★
Over 180+ 5-Star Reviews
Questions about applying? Call or text 480-923-7602.
Rates Starting at Just 10.99%
Fast Approvals in as Little as 1 Hour!
About Arizona Construction Loans for Real Estate Investors
At Prime Plus Mortgages, our construction loans are designed exclusively for real estate investors looking to build, flip, or expand their portfolios across Arizona. Unlike traditional banks, we don’t rely on your credit history or income; approvals are based strictly on the property and the potential of your project.
Whether you’re starting from raw land or building on an existing lot, our asset-based lending model gives Arizona investors the flexibility, speed, and control they need to capitalize on opportunities.
We know what matters because we’ve been in your shoes; we’re real estate investors too.
Get Funded Now
Prequalification Form & Investing Guide
Questions about applying? Call or text 480-923-7602.
Why Real Estate Investors Use Hard Money For Construction Loans in Arizona
| Investor Challenge | How Our Construction Loans Help |
|---|---|
| Traditional banks are too slow | Fast funding in days, not weeks – no waiting on underwriting |
| Need to act quickly on land or new builds | Loan approval is based on the deal, not your credit score |
| Income docs and credit reports delay funding | No income verification, no credit checks — property-based approvals |
| Conventional loans don’t cover ground-up projects | Construction loan funds can be used for land, materials, labor, and more |
| Draw schedules with red tape | Flexible draws based on progress — Investor-first approach |
Why Arizona Investors Choose Us for Construction Loans
- Built by real estate investors, for real estate investors
- No income documentation or credit checks required
- Fast approvals, typically within 24–48 hours
- Fund a wide range of property types: SFRs, multi-family, spec homes, and more
- Over 180+ 5-star reviews
Our Construction Loans Approval Process
1
Apply
2
Receive Confirmation
3
Receive Funding
4
Complete Your Build
What Is a Construction Loan?
A construction loan is a short-term, asset-based loan designed to fund ground-up builds or major development projects, rather than the purchase and renovation of an existing property. Our Phoenix Hard Money Loans help real estate investors focus on the land’s value, the construction budget, and the projected after-repair value (ARV).
At Prime Plus Mortgages, our Arizona construction loans are built by real estate investors, for real estate investors, making it easier to secure capital for new builds without income verification or credit-based underwriting.
How Construction Loans Differ?
While fix-and-flip loans are used to purchase and renovate an existing structure, construction loans fund projects where the property is built from the ground up or substantially developed. Construction financing typically includes staged draws to cover materials, labor, permits, and progress milestones throughout the build.
Prime Plus Mortgages offers asset-based hard money loans in Arizona that give investors the flexibility and control they need to build efficiently, scale their portfolios, and capitalize on new development opportunities — without the red tape.
Benefits Of Our Construction Loans In Arizona
Fast Turnaround
Full Coverage
Seamless Process
Asset Based
Why Prime Plus Mortgages?
- Up to 90% LTV
- 10 – 16% interest rate
- Asset based, not credit based lending
- Funds available within 24 hours if needed (our loans really are fast)
- Points vary based on the deal and borrower experience
- No pre-payment penalties
Get Approved For A Hard Money Loan Today
Frequently Asked Questions About Construction Loans in Arizona
Can I get a construction loan in Arizona without income verification or a credit check?
Yes — at Prime Plus Mortgages, we offer asset-based construction loans that do not require W-2s, tax returns, or credit checks. Approval is based on the property, project, and exit strategy.
What types of projects qualify for a construction loan?
Our Arizona construction loans can fund ground-up residential builds, new spec home developments, or major property additions. Whether you’re starting with raw land or an existing lot, we can help.
How fast can I get approved for a construction loan?
Most investors receive a decision within 24–48 hours.
