Phoenix · Arizona
Need financing for a Phoenix property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us what you need to borrow and your plans for the property.
Share a Phoenix or metro-area property with Hard Money Specialists and explore financing suited to your plans.
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Why Hard Money Specialists
Hard Money Specialists is a national specialist finance brand that keeps close tabs on the Phoenix metro. We help Arizona investors talk through their deals with a hard money specialist.
Your Phoenix inquiry is reviewed by a person who knows how fast the Valley moves. You hear back from a specialist, not an autoresponder.
Financing is arranged through a small, vetted group of hard money lenders active across the Phoenix metro.
Talking through your Phoenix deal with us costs nothing. You decide whether any financing proposal is right for you.
A house that needs major repairs, a rental purchase with a tight deadline or an infill lot with a build plan may not suit a conventional mortgage. Hard money financing can be an option when the property and a credible repayment plan support a shorter-term loan.
Hard Money Specialists helps you talk through your deal with a hard money specialist. Tell us what you are trying to do, not just how much you want to borrow. The address, work needed, available cash or equity and intended exit all help make that conversation useful.
Phoenix is not one uniform market. A renovation in an established central neighborhood needs different comparables and a different scope from a newer home in the West Valley or a lot on the metro fringe. Start with the actual property rather than a citywide price assumption.
Read the hard money loans guide
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Purchase and renovation financing for a resale project. A dated Phoenix home may need cooling, roofing or electrical work as well as a new kitchen. Bring a scope that accounts for both, with comparable sales supporting the finished value.
Explore this financingExplore financing for a single-family rental or small multifamily property. If the plan involves a refinance after repairs, check realistic rent, ongoing expenses and the future lender's requirements before committing.
Explore this financingShort-term funding may help when a purchase, sale or refinance does not line up. Explain what event will repay the loan, what evidence supports it and what happens if that event takes longer than expected.
Explore this financingFor a vacant lot or teardown project, the land is only the start. Plans, zoning, permits, utility connections, contractor costs and build experience all shape whether a construction facility is suitable.
Explore this financingA small commercial building, land purchase or time-sensitive debt problem needs its own assessment. Share the property's use, any existing debt and the practical plan for repayment rather than trying to fit it into a standard home-loan application.
Explore this financingA good financing plan starts with a workable property plan. A few Phoenix-specific checks can uncover costs or delays before they become a problem.
Have qualified inspectors assess the cooling system, roof, electrical service and signs of water damage. Replacement costs, roof access and contractor availability belong in the budget. A cosmetic allowance is not enough if major systems need work.
Confirm whether the parcel is within Phoenix, another city or unincorporated Maricopa County. A garage conversion, addition or change of use may need permits and zoning review. Check existing work as well as the changes you plan to make.
For a vacant lot or fringe-area property, establish access, water service, sewer or septic arrangements and utility connection costs. Check flood mapping and drainage rather than assuming a desert location has no flood risk. A land purchase price does not capture the full cost of making a site buildable.
Use recent sales of similar homes nearby, accounting for condition, size, lot, pool and finish level. For a rental, include maintenance, insurance, taxes and any HOA restrictions in the plan. Test what happens if the sale takes longer or the refinance valuation is lower.
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the amount of cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Phoenix dealSend us the exact address whether the property is in central Phoenix, the East Valley or the West Valley. Scottsdale, Tempe, Mesa, Chandler, Glendale and Peoria have their own neighborhoods, permitting requirements and property considerations. Financing availability is assessed for the individual address and project.
Share the sale notice and date right away, together with the debt outstanding, equity position and repayment plan. A financing inquiry does not pause a trustee sale. Speak with a qualified Arizona attorney about deadlines and legal options while any financing review is underway.
Read about foreclosure bailout optionsArizona loans are commonly secured by a deed of trust, and foreclosure is generally non-judicial. A trustee sale can usually be held no sooner than 90 days after the notice of sale is recorded, which gives Arizona a relatively predictable timeline.
That predictability helps investors plan purchases and helps owners who have fallen behind understand how much time they have to arrange a refinance or sale.
Arizona also has anti-deficiency protections that can apply to certain owner-occupied residential property, which is one reason lenders look carefully at how a property is used. A title company or Arizona real estate attorney can confirm the details for a specific deal.
General information only, not legal advice. Rules change and every property is different.