--- title: "Yavapai County Hard Money Lender | Kenwood Mortgage" description: "Yavapai County hard money loans in Prescott, Prescott Valley, Cottonwood, Camp Verde and the Verde Valley. Construction, land and bridge loans, $50K to $25M." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/yavapai-county/" last_updated: "2026-09-25" --- Hard money lender · Yavapai County # Yavapai County Hard Money Loans Custom builds on mountain lots, farmhouses on acreage, historic buildings downtown. Yavapai County is some of our favorite lending. | 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. Yavapai County runs from Prescott’s mountain communities to the Verde Valley. Two of our written-up deals are here: a $1,800,000 custom home at Talking Rock Ranch in Prescott, and a $700,000 farmhouse and barn on acreage in Camp Verde. Both borrowers owned their land free and clear, and both builds were funded with draws advanced before each phase. We make hard money loans across the county on ground-up construction, land, investment homes and commercial property, including historic buildings in Prescott. ## What we look at on a Yavapai County hard money loan - **Wells, septic and access.** Much of the county is rural, and each is part of the property’s value. - **City, town or county.** Prescott, Prescott Valley, Cottonwood and Camp Verde each permit their own projects. Unincorporated parcels permit through Yavapai County. - **Weather and the schedule.** Higher-elevation builds can lose time to winter, so the draw schedule should allow for it. 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 Yavapai County hard money loans by city - [Camp Verde hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/camp-verde/) - [Cottonwood hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/cottonwood/) - [Prescott hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott/) - [Prescott Valley hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott-valley/) Hard money programs for Yavapai County 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 ## Commercial Loans Commercial capital that moves when the deal does, from people who have underwritten Arizona property through every cycle 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 Funded by Kenwood near Yavapai County ### [$1,800,000 Ground-Up Custom Home](https://kenwoodmortgage.com/recent-deals/ground-up-1-8m-prescott/) A custom home on a mountain-view lot at Talking Rock Ranch. Land owned free and clear, one lender, six draws, bare dirt to finished exterior. ### [$700,000 Ground-Up Farmhouse and Barn](https://kenwoodmortgage.com/recent-deals/ground-up-700k-camp-verde/) A licensed builder with land owned free and clear. Two structures, one loan, and every draw advanced before the phase began. ### [Historic Property in Prescott, AZ](https://kenwoodmortgage.com/recent-deals/) Tenant improvement funds for historic and beautiful Balentine Building “On The Square” in downtown Prescott. ### [$300,000 Bank REO in Prescott, AZ](https://kenwoodmortgage.com/recent-deals/) Commercial Office/Industrial Warehouse Discounted purchase from local bank REO. 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 Yavapai County borrowers ask ### Do you make construction hard money loans in Yavapai County? Yes, and both of our written-up deals are here: a custom home in Prescott and a farmhouse and barn in Camp Verde, both funded with draws advanced before each phase. ### Do you lend on land I own free and clear in Yavapai County? Yes. Own your land outright and we can fund up to 100 percent of hard costs, because the land is the equity in the deal. ### Is Yavapai County too far from Scottsdale? No. We lend statewide, and we have funded Yavapai County deals for years. A decision maker will see the property. Hard money loans nearby - [Prescott hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott/) - [Camp Verde hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/camp-verde/) - [Cottonwood hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/cottonwood/) - [Prescott Valley hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott-valley/) - [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.