What We Do – Hard Money Lenders Phoenix | Hard Money Loans Arizona

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

The “Scoop” on Brad

Brad Gilbertson, President and Principal of eMortgage Inc., has been involved in the Arizona real estate industry since 1972. He graduated from Arizona State University in 1975 with a Degree in Business and a specialization in Real Estate. Read what Brad has to say about his studies, both at ASU and his life experiences:

            My ASU studies in real estate and business paled in comparison to the education given to me by my Dad as I  grew up under his mentorship in this business back in Minneapolis, Minnesota. He embedded in me a strong sense of fair dealing and ethics, not to mention the ability to do an accurate “drive-by” appraisal at age 10!”

For over 35+ years of his career, Brad has lived and breathed Arizona real estate and real estate financing. Brad worked in the trenches and has experienced the last three real estate cycles as a real estate agent, broker, syndicator, developer, renovator, investor, owner, landlord, borrower, and of course, hard money lender.  These experiences allow Brad to relate to your needs and understand your challenges. He knows what you are up against and wants to give you the fair shake and fresh start you deserve in realizing your goals and growing your wealth.

eMortgage Inc. is a proud member of the National Association of Mortgage Brokers, the Arizona Association of Mortgage Brokers as well as being an A+ rated member of the Better Business Bureau (BBB). We are licensed by the Arizona Department of Financial Institutions under mortgage broker license number MB0903436, and under the National Mortgage Licensing System NMLS #195785.

  • Owner Occupied Mortgage Loans
  • Investor Loans for Fix and Flip or Long Term Hold
  • Refinance or Purchase Loans
  • Up to 100% Loan to Value of Purchase Price when using a 2nd Free & Clear property for additional collateral
  • Loan Amounts $25,000 to $500,000 (up to $1M on multi-family complex)
  • 1 to 30 Year Terms
  • Interest rates from 9.99%
  • Single family homes, 2-4 unit properties, apartment buildings (no land)
  • Manufactured homes where land is part of collateral

Some call what we do “hard money loans”, “equity loans”, or “private money loans”. Our borrowers call it THE BRAD LOAN because:

  • Brad is a direct lender, lending his own money
  • Brad Gilbertson’s 35 plus years of hands-on experience in real estate hard money and private money lending, investing, and property renovation
  • Brad personally customizes each real estate loan to match the unique needs of the borrower and their specific properties
  • Brad is a Licensed Loan Officer NMLS # 207134
  • Brad is a Licensed Mortgage Broker # MB-1002356, NMLS # 195785
  • Brad is also an Equal housing lender

We lend on properties in the Greater Phoenix, Arizona Metropolitan area:

Glendale, Mesa, Tempe, Chandler, Scottsdale, Phoenix, Paradise Valley, Cave Creek, Peoria, Avondale, Goodyear, Litchfield Park, Sun City, Surprise, Carefree, Apache Junction, Maricopa, Queen Creek, Sun City West, Awatukee, New River, Buckeye, Fountain Hills, Anthem and other outlying areas in the greater Maricopa County Arizona area.

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We have an A+ rating from the Better Business Bureau


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