Arizona Hard Money Loans
Fast, Flexible Real Estate Investor Funding
Same-day approvals. Asset-based hard money loans across Phoenix, Scottsdale, Tucson & all of Arizona.
Arizona Hard Money Loans
Questions about applying? Call or text 480-923-7602.
Same-Day
Approvals
90%
Max LTV
AZ Statewide
Lending Coverage
Rates Starting at Just 10.99%
Fast Approvals in as Little as 1 Hour!
Get funded quickly for your next fix & flip. No income checks. No red tape.
Over 180+ 5-Star Reviews
★ ★ ★ ★ ★
What Are Hard Money Loans?
Hard money loans make real estate investing easy with easy funding for real estate investments. With fast funding and no credit checks.
Hard money loans are based on the property value or the after repair value of a property. The loan applies only to that specific property. Borrower’s income and credit history have no bearing on loan approval. Hard money lenders have fast approval times, often as little as 24 hours. Soft money loans may take 30 days or more for approval.
Our Phoenix hard money loans get approved much faster because the qualification is straightforward. The primary criteria is equity in the property. Hard money loans are fast to fund and are extremely useful in any real estate investment.
We fund real estate investors throughout Arizona — from Phoenix to Tucson — with flexible, no-credit hard money loans.
Get Funded Now
Prequalification Form & Investing Guide
Questions about applying? Call or text 480-923-7602.
Our Arizona Hard Money Loans vs Traditional Lenders
Why more Arizona investors trust Prime Plus for faster, easier, and deal-ready funding.
| Feature | Prime Plus Mortgages | Traditional Lenders |
|---|---|---|
| Approval Time | Same day | 30–60 days |
| Income Verification | Not required | Required |
| Credit Score Requirements | Not required | Required |
| Max LTV | Up to 90% | Typically 70–75% |
| Funding Speed | 48 hours after approval | Weeks to months |
| Loan Coverage | Up to 90% — all-in-one | Typically not included |
Our Easy Arizona Hard Money Loans Proccess
1
Apply
2
Receive Confirmation
3
Receive Funding
4
Flip Or Rent It
Arizona Hard Money Loan Calculator
Estimate your loan amount, monthly interest cost, and total funding needed for your next Arizona investment deal.
Why Would I Need A Hard Money Loan?
Hard money loans in Arizona are ideal for real estate investors who need speed, flexibility, and asset-based underwriting. Whether you’re flipping a house in Tucson, refinancing a property in Mesa, or bridging a funding gap in Scottsdale, Prime Plus Mortgages helps you close fast, so you can fip your next property on your timeline!
Why Arizona Investors Use Hard Money Loans
- Flip homes in high-demand areas like Glendale, Mesa, or Peoria
- Buy discounted rentals with no bank delays
- Fund auction purchases or off-market deals quickly
- Bridge gaps between purchase and long-term financing
HARD MONEY LOANS VS SOFT MONEY LOANS — WHAT'S THE DIFFERENCE?
Hard money loans and soft money loans serve very different purposes for real estate investors. Hard money loans are short-term, asset-based loans funded by private lenders, approved based on property value, not credit or income. Soft money loans are traditional bank loans with longer terms, lower rates, and strict income and credit requirements. For Arizona real estate investors who need to move fast, hard money is almost always the right tool.
| Feature | Hard Money Loans | Soft Money Loans |
|---|---|---|
| Approval Based On | Property value & deal strength | Credit score & income |
| Approval Speed | Same day | 30–60 days |
| Funding Speed | 48 hours after approval | Weeks to months |
| Income Verification | Not required | Required |
| Credit Score | Not required | Required (typically 680+) |
| Loan Term | Short-term (6–12 months) | Long-term (15–30 years) |
| Best For | Fix & flip, bridge, investment properties | Primary residences, long-term holds |
| Max LTV | Up to 90% | Typically 80% |
Our Arizona Hard Money Loan Terms and Benefits
Work With Arizona's Trusted Hard Money Lender
We fund hard money loans across Arizona — including:
- Phoenix
- Tucson
- Scottsdale
- Glendale
- Mesa
- Chandler
- Peoria
- Flagstaff
- Queen Creek
Prime Plus Mortgages is headquartered in Scottsdale and serves investors across all of Arizona — from Phoenix to Tucson, Mesa to Glendale. If you’re ready to get prequalified and move fast on your next deal, we’re ready to lend.
Frequently Asked Questions About Hard Money Loans in Arizona
How fast can I get a hard money loan in Arizona?
Prime Plus Mortgages can approve loans in 1 hour and fund within 48 hours.
Do you lend on flips, rentals, or land in Arizona?
Yes! We fund fix and flips, rental rehabs, and land deals for experienced real estate investors.
What credit is needed for a hard money loan?
None — we’re an asset-based lender and do not use credit scores in our approval.
Can I get a hard money loan in Arizona without a credit check?
Yes — Prime Plus Mortgages offers asset-based loans that don’t require a credit score or income docs. We fund based on the deal, not your debt-to-income ratio.
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
