--- title: "Carefree Hard Money Lender | Kenwood Mortgage Investments" description: "Carefree hard money loans for custom home construction, lots, investment homes and commercial property in the desert foothills north of Scottsdale." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/carefree/" last_updated: "2026-09-25" --- Hard money lender · Maricopa County # Carefree Hard Money Loans Hard money for Carefree custom builds, lots and investment homes, from a lender a short drive away. | Term | Detail | |---|---| | Loan size | $50K–$25M | | Position | First deed of trust | | Term | 6–24 months | | Structure | Interest only | | Where | Arizona only | Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers. Carefree is a small town of custom homes set into desert and boulder country. Most deals here are individual: a lot with a view, a home to rebuild or finish, a spec build for the right buyer. We make hard money loans on Carefree construction, land and investment homes. Our office is in Scottsdale, so a decision maker can walk the property. ## What we look at on a Carefree hard money loan - **The lot.** Terrain, boulders and desert preservation rules shape what can be built and what it costs. - **The builder.** Custom work in this terrain rewards experience, and we underwrite the team with the numbers. - **The exit.** Priced on real sales of comparable custom homes. Call [(480) 783-8800](tel:+14807838800) with the address and your numbers, or send a [Quick Quote](https://kenwoodmortgage.com/quick-quote/). Loan figures are program ranges. Every deal is priced on its own fundamentals. This is not a commitment to lend. Last updated September 25, 2026 Hard money programs for Carefree deals ## Construction Loans Ground-up capital that moves with your build. Draws advance before the work starts, and the structure is shaped around your schedule. View program ## Land Loans Land financing starts with the parcel and your plan for it. We have underwritten Arizona land since 1992. View program ## Residential Loans Capital for the investment house between where it is and where you are taking it. Purchase, cash out, or reposition. Investment property only. View program ## Commercial Loans Commercial capital that moves when the deal does, from people who have underwritten Arizona property through every cycle since 1992. View program Call **Randy**, **Mark** or **Alex** and describe your deal out loud. It's faster. - [Randy Persson](https://kenwoodmortgage.com/about/randy-persson/) NMLS 183204 President and Founder [(602) 369-3894](tel:+16023693894) [randy@kenwoodmortgage.com](mailto:randy@kenwoodmortgage.com) - [Mark Speno](https://kenwoodmortgage.com/about/mark-speno/) NMLS 158661 Loan Originator [(480) 694-6300](tel:+14806946300) [mark@kenwoodmortgage.com](mailto:mark@kenwoodmortgage.com) - [Alex English](https://kenwoodmortgage.com/about/alex-english/) NMLS 2654939 Loan Originator [(205) 834-2500](tel:+12058342500) [alex@kenwoodmortgage.com](mailto:alex@kenwoodmortgage.com) Questions Carefree borrowers ask ### Do you make construction hard money loans in Carefree? Yes. Ground-up construction up to 72 percent of finished value, with Fund Forward draws advanced before each phase. ### Can I finance a Carefree lot now and build later? Yes. We fund the lot, and when your plans and builder are ready we talk about construction. ### Do you lend on my own Carefree home? No. We make business-purpose loans on investment property only. If the property is your home, or the money is for personal use, we are not the right lender. Hard money loans nearby - [Cave Creek hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/cave-creek/) - [Scottsdale hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/scottsdale/) - [Fountain Hills hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/fountain-hills/) - [New River hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/new-river/) - [Maricopa County hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/maricopa-county/) - [All Arizona hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/) --- ## Kenwood Mortgage Investments 7950 East Redfield Road #110 Scottsdale, Arizona 85260 Call: [(480) 783-8800](tel:+14807838800) Fax: (480) 783-8808 Email: [loans@kenwoodmortgage.com](mailto:loans@kenwoodmortgage.com) MB #13866 | NMLS #170223 Kenwood Mortgage Investments is a licensed Mortgage Broker in the state of Arizona. NMLS MB #13866 | NMLS #170223. This is not a commitment to lend. All loans subject to credit approval. Guidelines subject to change without prior notice. This information is provided to assist business professionals and is not an advertisement extended to the consumer as defined by Section 226.2 Regulation Z. EOE. Equal Housing Lender.