Owner Occupied Hard Money Loans Phoenix Arizona

Welcome to Brad Loans by eMortage Inc., we offer Owner Occupied Loans in Arizona up to 80% LTV.  Our owner occupied hard money loans program makes it easy for you to get the new home you need despite not having credit, having bad credit, or even if you’re not from the United States.  Owner occupied loans have easier requirements than investor loans and can even benefit from our cross collateral 100% LTV loan option.



Owner occupied hard money loans are also considered Principle Residence Loans, alternative financing, and private money loans.

We continuously stay up to date on all regulation required to offer owner occupied hard money loans.

Reasons Why Borrowers Use Owner Occupied Loans

  • Bad credit
  • Hard to prove income
  • or dealing with a problem property

Typical borrowers pay off this loan by refinancing after being qualified

Common Uses Of Owner Occupied Loans

  • buying first or second home
  • refinance an existing loan
  • cash out for repairs or remodeling
  • cash out for debt consolidation

Owner Occupied Loan Program Options


ALL LOANS BELOW REQUIRE $1920 IN FEES to eMortgage Inc. to cover Underwriting, Application fee,  Loan Processing , Lender Inspection, & Document Preparation .  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 the borrower has another 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).

We are a Hard Money Lender, making real estate loans to both Investors & Owner Occupants in Arizona. See our loan programs for owner occupants below.


  • We have no pre-payment penalties on our loans.


  • Down payment: 30% (Investor) or as low as 20% (Owner Occupied).
  • Up to 70% or 80% of appraised value
  • Up to 100% financing with a 2nd free and clear property as additional collateral.


  • Up to 65% of appraised value
  • Up to 100% financing with a 2nd free and clear property as additional collateral.


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

Requirements For Owner Occupied Loans


1) Income must be able to be verified by a 3rd party source

2) If the owner occupied loan is considered a “high cost loan”, hazard insurance and property taxes must be impounded for the 1st year of the loan. This is the borrower responsibility.

3) Another requirement if the loan is considered a high cost loans is that the lender (eMortgage) must offer both prepayment penalty options and no prepayment penalty option, which we do offer.

4) Also, there are disclosure laws that require us to make you away of the loan terms before singing any loan documents. These are the same requirements as a traditional bank loan.

Apply for an Owner Occupied Hard Money Loan


If you are interested to see if your qualify for an owner occupied hard money loan in Arizona, give us a call today at 480-948-0880 or fill out our loan application to get started. Also, view our other loan programs to see if those might be a better fit.  Getting your owner occupied hard money loan from Brad Loans is simple, fast, and we do the funding!  So if we say you’re approved you’d better start packing to move into your new home!

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