Who is the best hard money lender in Arizona?

Prime Plus Mortgages is one of Arizona’s top hard money lenders, specializing in fast, flexible fix and flip loans for real estate investors across the state.

Do you offer hard money loans in Phoenix, AZ?

Yes, we provide hard money loans for investors in Phoenix and throughout Arizona. We focus on funding local fix and flip projects quickly and reliably.

How fast can I get a hard money loan in Arizona?

You can get approved in 24–48 hours and funded within a few days. Prime Plus Mortgages is known for fast closings to help investors move quickly.

Do I need experience to get a fix and flip loan?

No experience is required. We regularly work with first-time investors who have a solid deal, renovation plan, and property located in Arizona.

Do you offer low down payment hard money loans?

Yes, depending on the deal, we offer loans with low down payment requirements. Loan-to-value (LTV) ratios typically range from 65% to 75%.

Can I use a hard money loan for a distressed property?

Yes, hard money loans are ideal for distressed or fixer-upper properties that traditional banks won’t finance. We fund purchase and renovation costs.

What documents are needed to apply for a hard money loan?

You’ll need a property under contract, a basic renovation budget, an estimated ARV, and an exit strategy such as resale or refinance.

What is the typical term for a fix and flip loan?

Most fix and flip loans range from 6 to 12 months, depending on your project timeline. Extensions may be available if needed.

Do you lend outside Arizona?

No, we only fund properties located within Arizona. We specialize in local lending to support investors in Phoenix, Tucson, Mesa, and beyond.

What Are Hard Money Fix and Flip Loans?

Q: What is a hard money fix and flip loan?

A hard money fix and flip loan is a short-term real estate loan used to buy, renovate, and resell properties for profit. It's secured by the property, not your credit score.

Hard money fix and flip loans are short-term, real estate investment loans designed to help investors quickly purchase, renovate, and resell properties. These loans are funded by private lenders, like Prime Plus Mortgages, and are ideal for investors looking to move fast in competitive Arizona markets.

Prime Plus Mortgages makes it easy for new investors in Arizona to get funded fast!

Apply Now

Why Investors Choose Hard Money Loans in Arizona

Speed Matters – Close in days, not weeks
Flexible Qualifications – No bank red tape or income verification hassles
Fund Rehab Projects – Perfect for properties that need repairs
Local Market Experts – We fund projects across Arizona, and know the local real estate landscape inside and out

How to Qualify for a Hard Money Fix and Flip Loan

Requirement	What We Look For
Arizona Property	We only lend on properties located in Arizona.
Property Under Contract	You must have a property under contract or ready to close.
After Repair Value (ARV)	We evaluate the projected resale value post-renovation.
Rehab Budget	A basic renovation plan and cost estimate help us structure your loan.
Exit Strategy	Have a clear plan to sell or refinance after the flip is complete.

Our 3-Step Funding Process

Submit Your Deal

Apply online and share your property & rehab plan

Get Approved Fast

Most approvals happen in 24–48 hours

Get Funded

Close fast and start renovating with confidence

”"Hard money loans give investors the speed and flexibility they need to flip properties profitably, even on their first deal."

— Loren Howard, Founder, Prime Plus Mortgages

Benefits of Working With Prime Plus Mortgages

Investor-Focused Lending – We specialize in fix and flip deals
Lightning-Fast Approvals – No long waits or complicated paperwork
Rehab-Friendly Loans – We fund purchase + renovation costs
Arizona Experts – We understand the local market and flip cycles

Fix and Flip Loans vs. Traditional Mortgages

Feature	Fix and Flip Loan (Hard Money)	Traditional Mortgage
Approval Time	24–48 hours	3–6 weeks
Funding Speed	Fast closings (in days)	Slow closings with bank delays
Credit Requirements	Flexible – deal-focused	Strict – credit score & income heavy
Property Condition	Distressed OK – rehab expected	Must be move-in ready
Use of Funds	Purchase + Renovation	Purchase only (usually)
Loan Term	Short-term (6–12 months)	Long-term (15–30 years)
Ideal For	Investors flipping homes	Homebuyers or rental property owners

Who Are Hard Money Fix and Flip Loans Best For

First-time or experienced investors
Buyers looking at distressed or fixer-upper homes
Investors who need to act fast in a competitive market
Anyone flipping homes in Arizona only

Reviews From Our Investors

    
 
 
         
   Brian P 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’m giving them 5 stars before I apply for a loan . 💵 helps.
  
 
        
   viryriana mancillas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very grateful with Bob and the team from Prime Plus Mortgage, so helpful and I appreciate the patience they have. We are very satisfied and looking forward to working with Bob and the team with more loans in the future.
  
 
        
   nancy montano 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bob was really knowledgeable and great throughout the entire process, everything was done very quickly and we were able to successfully close on this investment property thanks to his wonderful team! I recommend working with them 1000%
  
 
        
   Britany Statt 
 
 
 
 Trustindex verifies that the original source of the review is Google. Prime Plus really helped me in a bind. My usual hard money lender was unable to close with the date I needed. I reached out to Prime Plus and they were able to make it happen. Very friendly, easy to apply, great rates. I will definitely be using them again!
  
 
        
   Kyle Gaughen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Easy to do business with and minimal fees with good terms!
  
 
        
   Junior Villagomez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience! Turnaround was fast easy and smooth! Appreciate the transparency! The beginning of something big!
  
 
        
   Matt Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Prime Plus for a hard money loan! Bob and his team are very easy to work with and helped get my first flip funded.
  
 
        
   Bobby Agron 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bob came in and saved the day.  After losing a deal from another lender we were able to have Prime Plus in 48 hours put the entire thing together and fund on time.  Plus the fees and deal itself saved us more money in the end also!  Thanks Bob.  See you on the next deal.
  
 
        
   Rachel Barley 
 
 
 
 Trustindex verifies that the original source of the review is Google. We were in a bind with our lender and Bob worked nothing less than what I can call magic to get us closed in 72 hours. Highly recommended, extremely professional and responsive. I could not give any higher praise to Bob and his team.
  
 
        
   Norma Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. super easy and everyone was very helpful throughout the process