How do hard money loans work?

Hard money loans are asset-based loans secured by the value of the property rather than the borrower's credit or income. The lender evaluates the property's value and deal strength, allowing for same-day approvals and funding within 48 hours after approval.

Do you fund fix and flips, rentals, or land in Arizona?

Yes, we fund all non-owner-occupied investment properties in Arizona including fix and flips, rentals, bridge loans, land loans, and commercial properties.

What credit score do you need for a hard money loan?

No minimum credit score is required. Prime Plus Mortgages is an asset-based lender — approval is based on the property value and deal strength, not your credit score.

Can I get a hard money loan in Arizona without income verification?

Yes. Unlike traditional lenders, Prime Plus Mortgages does not require income verification. Our loans are asset-based, meaning your deal's numbers determine approval.

What is the maximum LTV for a hard money loan in Arizona?

Prime Plus Mortgages offers up to 90% LTV on hard money loans in Arizona, giving investors maximum leverage for their deals.

Does Prime Plus Mortgages have a hard money loan calculator?

Yes. Prime Plus Mortgages offers a free Arizona hard money loan calculator on this page. Enter your purchase price, rehab costs, ARV, LTV, and loan term to estimate your loan amount, monthly interest, and total capital needed for your next deal.

Arizona Hard Money Loans
Fast, Flexible Real Estate Investor Funding

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

Prime Plus Mortgages offers same-day approvals for hard money loans in Arizona. Most investors are funded within 48 hours after approval.

Same-day approvals. Asset-based hard money loans across Phoenix, Scottsdale, Tucson & all of Arizona.

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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

★ ★ ★ ★ ★

    
 
 
         
   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

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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.

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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

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Our Easy Arizona Hard Money Loans Proccess

Apply

Receive Confirmation

Receive Funding

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.

Purchase Price ($): Rehab Costs ($): After Repair Value (ARV) ($): Loan-to-Value (LTV): Interest Rate (%): Loan Term (Months):

Loan Detail	Amount
Loan Amount (based on LTV)	—
Down Payment Required	—
Monthly Interest Cost	—
Total Interest for Term	—
Total Capital Needed	—
Estimated Equity at ARV	—

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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%

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Our Arizona Hard Money Loan Terms and Benefits

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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.

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Frequently Asked Questions About Hard Money Loans in Arizona

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

Arizona Hard Money Loans
Fast, Flexible Real Estate Investor Funding

Rates Starting at Just 10.99%

Fast Approvals in as Little as 1 Hour!

What Are Hard Money Loans?

Get Funded Now

Our Arizona Hard Money Loans vs Traditional Lenders