Arizona Hard Money Construction Loans
Ground-up capital that moves with your build. Draws advance before the work starts, and the structure is shaped around your schedule.
- Loan to cost
- Call for a quote
- Loan to ARV
- Up to 72%
- Position
- First deed of trust
- Builder
- AZ ROC licensed or owner-builder
Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers.
You have the lot and a plan for the build. The next step is financing that fits your budget and construction schedule.
We fund ground-up construction the way builders actually work. A person who knows Arizona dirt, permits, and resale reads your budget and your plans. When the fundamentals are sound, we structure the loan around your build schedule. Not the other way around.
Money before the work, not after
Most construction lenders reimburse. You pay your crews, submit receipts, and wait. Fund Forward advances each draw before the phase starts. Your concrete sub gets paid when the pour is scheduled, not a month after it cured.
The draw structure is tailored to the deal, and draws are advanced ahead of each phase of work.
Here is what that looked like on a recent deal. An owner-builder in the New River area came to us with land owned free and clear and a ground-up plan. We funded $485,000 at 59.5 percent of the finished value. His draws advanced ahead of each phase, a local inspector confirmed progress, and he never floated a phase out of his own pocket.
What we look at
- The budget, line by line, against what things actually cost in this market.
- The team. Your builder’s track record matters as much as the pro forma, whether that is an ROC-licensed contractor or you as an owner-builder.
- The exit. Sale or refinance, the numbers have to work at the finish, not just the start.
We make hard money construction loans across Arizona, including Scottsdale, Prescott, Camp Verde, New River, Cave Creek and Buckeye. See every area we lend in.
Leverage above is a program range. Every deal is priced on its own fundamentals. This is not a commitment to lend.
Do you really fund before the work starts?
Yes. That is the point of Fund Forward. Each draw advances before the phase begins, so you are not paying crews out of pocket and waiting on a reimbursement check.
I own my land free and clear. Does that help?
It helps a lot. Own the land outright and we can fund up to 100 percent of hard costs. Your land is the equity in the deal.
Who has to do the building?
An Arizona ROC-licensed contractor, or you as an owner-builder. Bring your builder, or a builder you are vetting, and we underwrite the team along with the numbers.
$700,000 Ground-Up Farmhouse and Barn
A licensed builder with land owned free and clear. Two structures, one loan, and every draw advanced before the phase began.
$1,800,000 Ground-Up Custom Home
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.