Maricopa County Hard Money Loans
Most of the hard money loans we make are in Maricopa County, from infill lots in central Phoenix to acreage in the unincorporated desert.
- 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.
Maricopa County is home to most of Arizona’s investment real estate, and to most of our book. We have made hard money loans here since 1992, and our office is in Scottsdale, so most Maricopa County deals are a short drive from a decision maker who can walk the property.
The county covers very different markets. Older neighborhoods in Phoenix, Mesa and Glendale are fix and flip territory. Scottsdale, Fountain Hills, Cave Creek and Carefree carry custom and luxury construction. The West Valley, from Surprise to Buckeye, is where much of the new growth is. And the unincorporated areas such as New River, Wittmann and Tonopah are acreage, horse property and owner-built homes.
What we look at on a Maricopa County hard money loan
- Who has jurisdiction. A parcel inside a city or town permits through that municipality. A parcel in an unincorporated area permits through Maricopa County. We confirm which before we talk about a build schedule.
- The submarket, not the county average. Values in this county change from one side of a road to the other, so we read comps close to the property.
- The exit. A sale, a refinance or a lease-up, priced against the market as it is today.
Call (480) 783-8800 with the address and your numbers, or send a Quick Quote.
Loan figures are program ranges. Every deal is priced on its own fundamentals. This is not a commitment to lend.
Fix and Flip Loans
The house is right, the numbers work, and the seller will not wait. This is the loan for that moment.
View programConstruction Loans
Ground-up capital that moves with your build. Draws advance before the work starts, and the structure is shaped around your schedule.
View programCommercial Loans
Commercial capital that moves when the deal does, from people who have underwritten Arizona property through every cycle since 1992.
View programResidential 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 programLand Loans
Land financing starts with the parcel and your plan for it. We have underwritten Arizona land since 1992.
View programMulti-Family Loans
From a duplex in Mesa to an apartment building mid-turn, capital sized to the property and the plan you have for it.
View program
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Do you make hard money loans everywhere in Maricopa County?
Yes, on investment and business-purpose property in every city and town in the county and in the unincorporated areas. Pick your city from the list on this page, or just call.
Do you lend in unincorporated Maricopa County?
Yes. New River, Wittmann, Tonopah and other unincorporated areas are a regular part of our book. Wells, septic, legal access and county permitting are part of the underwriting, not a reason to say no.
How close is your office?
We are at 7950 East Redfield Road #110 in Scottsdale, so most of Maricopa County is within reach the same day.