Hard Money Lenders in Phoenix, AZ

Are you refinancing mortgage with bad credit or are you in need of a hard money loan for fix and flip, real estate, business loans secured by real estate, short sales or other endeavors with quick turnover in Phoenix, AZ or the greater Phoenix Metro area?

Look no further than BradLoans.com, the most trustworthy direct hard money lender and private money lender in Arizona! BradLoans.com is the best hard money lender in Arizona with the ability to fund residential & commercial hard money loans sometimes within a couple days or less. Our lending rates and fees are reasonable compared to other Arizona hard money brokers or mortgage brokers in Arizona.

Hard Money Loans By eMortgage

We cater to home owners and real estate investors who are interested in buying, financing, re-financing owner occupied or financing investment properties. We also offer hard money loans to corporate and business borrowers, single family homes, multi-family homes, secondary homes, horse properties, investment rentals and sales, restaurants, buy and hold, industrial building, office buildings, short sales, retail building, store loans, and bridge loans that cover gaps while your waiting on bank approved loans. Visit our Google Plus page for more information about our company.

When traditional banks and lenders have let you down, count on BradLoans.com by eMortgage Inc. to come through for you in your time of financial need. Call now to speak to a live associate (602) 999-9499. We are the most knowledgeable, fastest, and most reliable loan lenders in Phoenix, AZ & the Phoenix Metro area. Hard Money Loan Definition & Explanation: A hard money loan is a specific type of asset-based loan financing in which a borrower receives funds secured by the value of real estate or a parcel. Hard Money lending is typically issued by companies or private investors. View our loan programs below or fill out our loan application form.

We are also a private investor in Arizona offering private hard money loans at a maximum rate of 80% loan to value and up to 100% with cross collateral, and we can get your funds to you in days! Tax returns are not needed, either are pay stubs and no credit or bad credit is OK with us! So if you are looking for fix and flip loans, rehab loans, auction or otherwise, we are your #1 source. Call (480) 948-0880 to secure your hard money loan today, you won’t be disappointed! Private Hard Money Loan Definition & Explanation: A private money lender or private hard money lender is a non-institutional (not a bank) company or individual that lends or loans money, usually protected by noted or deed of trust, for the sole purpose of financing a real estate venture. Private hard money lending is usually categorized as relationship-based lending rather than hard money lending.

How to Qualify

Would you like to know how to qualify for or get a hard money loan? Have you had a Foreclosure? Short Sale? Discharged Bankruptcy?Are you a Non-US Citizen? No “Established Credit”…

What We Do

We are a Hard Money Lender, making real estate loans to both Owner Occupants & Investors in Arizona. Brad Gilbertson, the President and Principal of eMortgage Inc., has been involved in Az real estate since 1972.

Contact Us

BradLoans.com by eMortgage
7522 E McDonald Dr, Scottsdale, AZ 85250
Office: 480-948-0880/ eFax: 1-888-392-3843
Licensed Mortgage Broker # MB0903436, NMLS # 195785

We offer Hard Money Loans in & around the Phoenix Metro Area

Arizona Private Money & Hard Money Lenders

Loan Programs, Rates & Fees

No Pre-Payment Penalty

Posted rates below are typical, however, your rates, terms fees may vary as loans are approved on a case by case basis.

Owner Occupied Loans up to 80% LTV

Investor Loans up to 70% LTV

Loans Up To 100% LTV With Cross Collateral

Purchase or Re-Finance

30 Year Fully Amortized Loans – No Balloon

No Pre-Payment Penalty

ALL LOANS BELOW REQUIRE $1920 IN FEES to eMortgage Inc. to cover Application fee, Underwriting,  Loan Processing , Document Preparation and Lender Inspection .  Borrower has option to pay “points” to buy the rate down by paying a Loan Origination fee of 2 to 6 points (2 to 6% of Loan Amount).

100% FINANCING AVAILABLE if borrower has an additional property that is free and clear or has a small mortgage in relation to value ( substantial equity) to pledge as additional collateral ( aka Cross Collateralized Loan).

30 Year Fully Amortized Loans – No Balloon

No Pre-Payment Penalty

Purchase or Re-Finance

Hard Money Loan Rates Phoenix 2016

LTV Interest Rate Loan Origination Fee
70-80% LTV 11.99 6 points ( $3,000 minimum) + $1,920
12.99 4 points ( $2,000 minimum) + $1,920
13.99 2 points ( $1,000 minimum) + $1,920
14.99 0 points + $1,920

LTV Interest Rate Loan Origination Fee
60-69% LTV 10.99 6 points ( $3,000 minimum) + $1,920
11.99 4 points ( $2,000 minimum) + $1,920
12.99 2 points ( $1,000 minimum) + $1,920
13.99 0 points + $1,920

LTV Interest Rate Loan Origination Fee
59% LTV or Less 9.99 6 points ( $3,000 minimum) + $1,920
10.99 4 points ( $2,000 minimum) + $1,920
11.99 2 points ( $1,000 minimum) + $1,920
12.99 0 points + $1,920

Fix & Flip Investor Loan

INVESTOR FIX AND FLIP 14.99% 0 points + $1,920

Up to 100% LTV Available With Cross Collateral

below re: financing of
renovations and improvements.

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