Hard Money Lenders in Phoenix, AZ


Are you refinancing mortgage with bad credit or are you in need of a no credit check, hard money loan for fix and flip, real estate, business loans, short sales or other endeavors with quick turnover in Phoenix or Scottsdale, AZ? Look no further than Brad Loans, the most trustworthy direct hard money lender and private money lender in Arizona! Brad loans 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.

We cater to home owners and real estate investors who are interested in buying or financing investment properties. We also offer hard money loans to corporate and business borrowers, single family homes, multi-family homes, secondary homes, assisted care facilities, horse properties, investment rentals and sales, restaurants, construction completion, ground-up construction, buy and hold, industrial building, office buildings, short sales, retail building, store loans, land and lot development 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 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 & Scottsdale, AZ. 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 also offer private hard money loans at a maximum rate of 80% loan to value, and we can get your funds to you in days! Tax returns are not needed, either are pay stubs and 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”… No Problem! Brad is Arizona’s premier ‘no credit’ or ‘bad credit’ mortgage lender!

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What We Do

We are a Hard Money Lender, making real estate loans to both Owner Occupants and Investors in Arizona.

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Contact Us

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

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I offer Hard Money Loans in & around Phoenix

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


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


LTV

71-80% LTV

Interest Rate

11.99
12.99
13.99
14.99

Loan Origination Fee

6 points ( $3,000 minimum) + $1,920
4 points ( $2,000 minimum) + $1,920
2 points ( $1,000 minimum) + $1,920
0 points + $1,920

LTV

61-70% LTV

Interest Rate

10.99
11.99
12.99
13.99

Loan Origination Fee

6 points ( $3,000 minimum) + $1,920
4 points ( $2,000 minimum) + $1,920
2 points ( $1,000 minimum) + $1,920
0 points + $1,920

LTV

60% LTV or Less

Interest Rate

9.99
10.99
11.99
12.99

Loan Origination Fee

6 points ( $3,000 minimum) + $1,920
4 points ( $2,000 minimum) + $1,920
2 points ( $1,000 minimum) + $1,920
0 points + $1,920

.

Fix & Flip Investor Loan

INVESTOR FIX AND FLIP
Up to 70% LTV – 1 YEAR INTEREST ONLY

14.99%

0 points + $1,920
SEE RENOVATIONS INCLUDED
PROGRAM below re: financing of
renovations and improvements.

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