Fast, flexible funding for real estate investors ready to buy, rehab, and profit in Phoenix’s competitive housing market. At Prime Plus Mortgages, we offer same-day approvals and expert support so you can flip with confidence.
Understanding Fix and Flip Loans in Phoenix
Fix and flip loans are short-term real estate investment loans designed for buying, renovating, and reselling properties quickly. These are typically hard money loans, asset-based, fast-closing, and tailored to real estate investors who need funding without the red tape.
| What They Are | How They Work | Who They’re For |
|---|---|---|
| Short-term, asset-based hard money loans | Investor gets loan to purchase undervalued property, renovate it, and sell it for profit | Real estate investors and flippers in Phoenix needing fast, flexible funding |
| Based on property value (not credit) | Prime Plus Mortgages funds up to 90% of purchase + rehab costs | Great for both experienced flippers and first-time investors |
| Close in days, not weeks | Interest-only payments; loan repaid after property sale or refinance | Phoenix investors needing to move quickly in a competitive market |
How Fix and Flip Loans Actually Work
Find a Property
Fund & Rehab Your Property
Flip the Property & Earn
Benefits of Hard Money Loans for Phoenix Investors
- Fast closings — get funded on your timeline
- Minimal paperwork — based on asset value
- Covers purchase + rehab costs
- Ideal for distressed or auction properties
Tips for First-Time Flippers
- Budget 10–20% for repairs
- Start small — single-family homes flip faster
- Research markets before buying
- Have an exit strategy before closing
Rated 5-Stars by
Phoenix Investors
Loan Requirements and Eligibility
To qualify for a fix-and-flip loan in Phoenix, you’ll need:
- A property under contract or a signed purchase agreement
- A rehab budget and timeline
- Exit strategy (sale, refi, or rental plan)
Prime Plus Mortgages guides each borrower through these steps to ensure a smooth, transparent process.
”“As Phoenix investors ourselves,
we know how fast deals move.
That’s why we focus on fast closings, flexible terms, and local expertise.”
— Loren Howard, Founder, Prime Plus Mortgages
Funded Arizona Fix & Flips
At Prime Plus Mortgages, we don’t just fund properties, we fund real estate investors. We’re real estate investors ourselves, right here in Arizona, so we know exactly what flippers need: loans that are fast, flexible, and ready when you are.
That’s why we offer:
- Same-day approvals
- Flexible, investor-friendly terms
- Asset-based lending that works with your deal, not against it
Whether you’re flipping your first property or your fifteenth, our team is here to back your vision with real-world experience and hard money funding you can trust.
Our 3-Step Funding Process
1
Apply Online
2
Get Approved
3
Get Funded
Apply for a Fix and Flip Loan In Phoenix
Prequalification Form & Investing Guide
Or Call 480-923-7602
Frequently Asked Questions
Do I need perfect credit to qualify?
No. We focus on the property and the investment potential.
How fast can I close?
In many cases, within 48 hours after receiving documents.






