Can I see deals you've funded?

Absolutely. We’ve funded fix & flip, BRRRR, and rental projects throughout Arizona. Just ask to see examples.

7 Tips for Finding a Reputable Hard Money Lender

Q: What should I look for in a hard money lender?

Look for verified reviews, proof of funded deals, local experience, and clear loan terms. Avoid lenders who lack transparency or push high upfront fees.

Q: How do I avoid scams or bad lenders?

Avoid anyone asking for money upfront or who can’t prove their lending history. Always check reviews and ask for real borrower references.

Q: Why choose Prime Plus Mortgages?

We’re experienced investors and trusted hard money lenders with a strong reputation across Arizona. We offer same-day approvals, fast closings, and transparent terms.

Why Reputation Matters in Hard Money Lending

Hard money lending moves fast, and so it’s crucial to vet your lender just like you would your contractor or title agent.

At Prime Plus Mortgages, we believe transparency, experience, and speed are the marks of a great lender. Here’s how to spot one before signing your deal.

Apply Now

Tips to Find a Reputable Hard Money Lender

Tip #	What to Look For	Why It Matters
1	Verified Reviews on Google and real estate sites	Real feedback shows if lenders keep their promises
2	Proof of Funded Deals	Shows they actually lend, not just collect apps
3	Local Market Experience	Arizona real estate knowledge = faster, more realistic loans
4	Clear Loan Terms (No Hidden Fees)	Watch out for excessive points, junk fees, or rate traps
5	Fast, Direct Communication	Can they answer your questions today, not in a week?
6	Simple Application Process	No endless paperwork — especially for investor loans
7	They Invest Too	Lenders who are investors understand your goals

Reviews From Our Arizona 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

What to Avoid When Choosing a Lender

No online presence or reviews
Pushy sales tactics or vague answers
Claims of “guaranteed approval” with upfront fees
No track record or portfolio of deals
Hidden charges buried in fine print

What To Look For In A Hard Money Lender

5-star Google reviews
Same-day approvals, real cash behind every deal
Experience with real estate investments
Clear, honest loan terms
Portfolio of Deals

How Our Phoenix Private Money Loans Work

Apply Online

Get a Same-Day Offer

Close & Fund

What Makes Us Different?

Unlike banks or traditional lenders, we don’t slow you down with red tape. Our loans are based on your deal, not your credit.

Feature	Prime Plus (Phoenix)	Big Banks or National Lenders
Approval Time	Same-day	2–4 weeks
Local Market Knowledge	Yes	No
Credit Check Required	No	Yes
Loan Purpose	Investment only	Owner-occupied + other
Closing Time	3–5 days	21–30 days