--- title: "Arizona Hard Money Land Loans | Kenwood Mortgage" description: "Arizona hard money land loans. Residential lots to 70 percent of value, commercial land to 65 percent, underwritten on the path to use." canonical: "https://kenwoodmortgage.com/loan-programs/land-loans/" last_updated: "2026-10-16" --- Loan program # Arizona Hard Money Land Loans Land financing starts with the parcel and your plan for it. We have underwritten Arizona land since 1992. | Term | Detail | |---|---| | Residential land | Up to 70% LTV | | Commercial land | Up to 65% LTV | | Loan size | $50K–$25M | | Position | First deed of trust | | Term | 6–24 months | Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers. Find the right lot and the clock starts. Infill lots in good school districts do not wait, and neither do sellers of well-located acreage. A land loan calls for a close look at access, utilities, entitlements, marketability, and the path to repayment. We lend on land the old way, by knowing what it is worth. Which corridor it sits in, what entitlements it carries, where the utilities are, and what a finished use looks like. We have underwritten Arizona dirt for more than 30 years, from Scottsdale infill to raw acreage, and we hold land to conservative leverage. ## How we size a land loan We size the loan around the parcel’s value, its marketability, and your plan. The equity you bring and your ability to cover carrying costs both matter, so we review those before setting terms. ## From dirt to done Many of our land borrowers become our construction borrowers. Buy the lot with us, and when you are ready to build, the land you own becomes the equity in the construction loan. Call [(480) 783-8800](tel:+14807838800) with the parcel and your plan. You will get a straight read on value and terms from someone who knows the submarket. We make hard money land loans across Arizona, including [Tonopah](https://kenwoodmortgage.com/arizona-hard-money-lender/tonopah/), [Wittmann](https://kenwoodmortgage.com/arizona-hard-money-lender/wittmann/), [Buckeye](https://kenwoodmortgage.com/arizona-hard-money-lender/buckeye/), [Queen Creek](https://kenwoodmortgage.com/arizona-hard-money-lender/queen-creek/), [New River](https://kenwoodmortgage.com/arizona-hard-money-lender/new-river/) and [Yavapai County](https://kenwoodmortgage.com/arizona-hard-money-lender/yavapai-county/). [See every area we lend in](https://kenwoodmortgage.com/arizona-hard-money-lender/). Leverage above reflects our standing program ceilings. Every deal is priced on its own fundamentals. This is not a commitment to lend. Last updated October 16, 2026 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 borrowers ask ### What do you review on a land loan? We review location, access, utilities, entitlements, value, and your intended use. Bring the address or parcel number and your plan so we can discuss the financing. ### What makes a land deal fundable? A real path to use. A lot in a platted subdivision with utilities at the street is a different deal than raw acreage with no access. We price the difference instead of refusing to see it. ### I want to buy the lot now and build later. Is that two loans? It can be one relationship. We fund the lot purchase, and when your plans and builder are ready, we talk about construction financing. Owning your land free and clear sets up the strongest construction structure we offer. Recent work in this program ### [$3,715,000 Land Deal in Scottsdale, AZ](https://kenwoodmortgage.com/recent-deals/) A funded Kenwood deal. --- ## 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.