Whether you’re building, subdividing, flipping, or holding, Prime Plus Mortgages provides fast, asset-based land loans across Arizona.
We offer same-day approvals, no credit requirements, and local decision-making.
What Is a Land Loan?
A land loan is short-term funding used to purchase or refinance land for future development, resale, or long-term investment. These loans are ideal for:
- Residential or commercial builders
- Subdivision or infill developers
- Land flippers
- Long-term buy-and-hold investors
- Raw or improved land
- Lots, infill, acreage, or development parcels
Prime Plus Mortgages provides land loans as hard money loans, which means fast approvals, flexible terms, and underwriting based on equity and location.
Types of Arizona Land We Fund
| Land Type | Eligible for Loan? |
|---|---|
| Raw or vacant land | Yes |
| Infill residential lots | Yes |
| Agricultural / rural land | Yes (zoning dependent) |
| Land with mobile homes | Yes |
| Entitled or subdivided land | Yes |
| Commercial land | Yes |
How the Loan Process Works
Submit Your Land Deal
Get a Same-Day Offer
Fund Your Deal
Benefits of Land Loans in Arizona
- Acquire land before it’s listed publicly
- Secure lots for future builds or resale
- Buy and flip undervalued parcels
- Hold land as a long-term asset
- Pull equity out of owned land (cash-out refinance)
- Bridge to construction or development loan
Arizona Markets
We Serve
Some of the markets we serve:
- Phoenix
- Maricopa
- Flagstaff
- Yuma
- Queen Creek
- Scottsdale
Reviews From Arizona Investors
Hard Money Land Loans vs Bank Loans
| Feature | Prime Plus Land Loan | Bank Land Loan |
|---|---|---|
| Approval Speed | Same Day | 3–6 Weeks |
| Credit Score Required | No | Yes |
| Income Verification | None | Required |
| Type of Land Allowed | Raw & improved | Mostly improved only |
| Loan Based On | Property Value / Equity | Income + Appraisal |
| Close Timeline | 2–5 Days | 30+ Days |
”“When a land deal pops up, you don’t have 30 days to wait on a bank, that’s why our Arizona land loans are built for speed and certainty.”
— Loren Howard, Founder, Prime Plus Mortgages
Real Projects by New Investors
Loan Requirements
To qualify, you’ll need:
- A property under contract or close to closing
- Basic renovation budget and timeline
- Fair or better credit (No perfect credit required!)
- Exit strategy (sell or refinance plan)
Funded Fix & Bridge Projects
Our 3-Step Funding Process
1
Apply Online
2
Get Approved
3
Get Funded
Ready to Fund Your First Deal?
Prime Plus Mortgages specializes in helping beginners get started.
Let us guide you through your first project with local expertise and fast funding.
Frequently Asked Questions
Do you lend on raw or unimproved land?
Yes. We fund both raw and improved land as long as there’s a viable exit strategy.
How fast can I close on a land loan?
We can typically close in 2–5 days, depending on title and deal details.
What’s the typical term of a land loan?
Our land loans typically range from 6–12 months with interest-only payments.
