LOAN REQUEST (619) 617-2797
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© WHERE WE LEND SAN DIEGO HQ · ARIZONA

HARD MONEY LENDER ARIZONA

Hard money lender for Arizona investors in Phoenix, Scottsdale, Tucson, Mesa, Chandler, Gilbert and Tempe: bridge, fix and flip, construction and DSCR loans in 5-7 days.

LOAN REQUEST CALL (619) 617-2797

CALL OR TEXT US (619) 617-2797

  • 5.0 GOOGLE RATING 150+ REVIEWS
  • 1.3K+ CLOSED LOANS SINCE 2022
  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618

Arizona is one of Loan Goat's two home markets. Phoenix, Scottsdale and Tucson each have their own page below; Mesa, Chandler, Gilbert and Tempe are covered on the Phoenix page, and Flagstaff and Yuma are served on the same terms from the same desk. The company is headquartered in San Diego, and every Arizona loan is underwritten and processed there by the team that answers (619) 617-2797.

What we fund in Arizona is investment real estate on the asset and the exit: bridge loans up to 75% LTV and $25,000,000, fix and flip loans up to 85% of the purchase and 100% of the rehab, ground-up construction up to 80% LTC with flexible draws, rental DSCR loans up to 80% LTV on 30 and 40 year fixed terms, and commercial loans up to 70% LTV, and a clean bridge file can close in as quickly as 3 days. The Arizona questions borrowers ask most, owner-occupied lending and reviews among them, are answered below.

© ARIZONA LOCATIONS SAN DIEGO HQ · ARIZONA

EXPLORE OUR ARIZONA LENDING LOCATIONS

Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.

  1. Phoenix Phoenix, Mesa, Chandler, Gilbert, Tempe and more.
  2. Scottsdale Scottsdale, Paradise Valley, Fountain Hills, Cave Creek, Carefree and more.
  3. Tucson Tucson, Oro Valley, Marana, Sahuarita, Catalina Foothills and more.
  4. Mesa Maricopa County, out to Gilbert, Tempe, Chandler.
  5. Chandler Maricopa County, out to Gilbert, Mesa, Tempe.
  6. Glendale Maricopa County, out to Peoria, Surprise, Tempe.
  7. Gilbert Maricopa County, out to Chandler, Mesa, Tempe.
  8. Tempe Maricopa County, out to Mesa, Chandler, Gilbert.
  9. Peoria Maricopa County, out to Glendale, Surprise, Tempe.
  10. Surprise Maricopa County, out to Peoria, Glendale, Tempe.
  11. Goodyear Maricopa County, out to Avondale, Buckeye, Litchfield Park.
  12. Avondale Maricopa County, out to Goodyear, Tolleson, Litchfield Park.
  13. Buckeye Maricopa County, out to Goodyear, Avondale, Surprise.
  14. Queen Creek Maricopa County, out to Gilbert, Chandler, Mesa.
  15. Paradise Valley Maricopa County, out to Tempe, Mesa, Fountain Hills.
  16. Fountain Hills Maricopa County, out to Paradise Valley, Mesa, Cave Creek.
  17. Cave Creek Maricopa County, out to Carefree, Fountain Hills, Paradise Valley.
  18. Carefree Maricopa County, out to Cave Creek, Fountain Hills, Paradise Valley.
  19. Litchfield Park Maricopa County, out to Goodyear, Avondale, Glendale.
  20. El Mirage Maricopa County, out to Surprise, Peoria, Glendale.
  21. Tolleson Maricopa County, out to Avondale, Goodyear, Glendale.
  22. Guadalupe Maricopa County, out to Tempe, Chandler, Mesa.
  23. Youngtown Maricopa County, out to Peoria, El Mirage, Surprise.
  24. Wickenburg Maricopa County, out to Surprise, Buckeye, Peoria.
  25. Gila Bend Maricopa County, out to Buckeye, Goodyear, Avondale.
  26. Marana Pima County, out to Oro Valley, Sahuarita, South Tucson.
  27. Oro Valley Pima County, out to Marana, South Tucson, Sahuarita.
  28. Sahuarita Pima County, out to South Tucson, Marana, Oro Valley.
  29. South Tucson Pima County, out to Marana, Oro Valley, Sahuarita.

© THE COST SAN DIEGO HQ · ARIZONA

WHAT DO ARIZONA HARD MONEY LOANS COST

An Arizona hard money loan costs interest, origination points and third-party closing costs, and the only figures Loan Goat prints are the ones it publishes: the starting rates and the maximum leverage on each program page, reproduced in the table below. Points and fees are quoted on the Letter of Intent for the specific loan.

The bridge, fix and flip, construction and rental DSCR loans carry no prepayment penalty; rehab and construction interest is non-Dutch, charged on the drawn balance only. Rates are subject to change without notice and are not a commitment to lend.

Loan Goat starting terms by program, from the published terms cards
PROGRAM RATES LEVERAGE UP TO TERMS LOAN AMOUNTS
BRIDGE LOAN 9.00% to 13.00% LTV 75% 1 or 2 years $150,000 to $25,000,000
FIX & FLIP 9.99% to 12.00% LTV 85% of purchase, LTC 100% of rehab 6 to 18 months $250,000 to $10,000,000
RENTAL DSCR 6.50% to 9.99% Non-QM LTV 80% 5, 7, 30 and 40 year fixed Sized to the property

Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.

© WHY LOAN GOAT SAN DIEGO HQ · ARIZONA

WHY LOAN GOAT IN ARIZONA

  • 1.3K+ CLOSED LOANS SINCE 2022
  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • 5.0 GOOGLE RATING
  • 150+ REVIEWS

Loan Goat has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and holds a 5.0 Google rating with 150+ reviews. The four-step process, application, documentation, Letter of Intent, close, runs in 5-7 days because processing is done in-house. Loan Goat Inc. is licensed with NMLS: Company NMLS 1416824, Branch NMLS 2554618.

Arizona is a home market, not a stretch: the same programs, the same terms and the same people that serve San Diego serve Phoenix, Scottsdale and Tucson. When banks say no, we say yes; when a deal does not work, we say that before you pay for an appraisal.

THE PROCESS

  1. Complete your application
  2. Submit required documentation
  3. Sign your Letter of Intent
  4. We process and close your loan in 5-7 days
LOAN REQUEST HOW BORROWING WORKS

© HOME MARKET SAN DIEGO HQ · ARIZONA

ARIZONA IS NOT A STRETCH. IT IS HOME.

Phoenix, Scottsdale and Tucson run on the same programs, the same terms and the same people as San Diego.

© LOAN PROGRAMS NINE WAYS TO CLOSE

LOAN PROGRAMS AVAILABLE IN ARIZONA

ALL LOAN PROGRAMS

All nine programs are available in Arizona. Owner-occupied and consumer-purpose lending follows consumer rules and licensing, and availability for a specific Arizona home loan is confirmed on your file.

  1. BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
  2. FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
  3. CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
  4. RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
  5. COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
  6. OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
  7. BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
  8. SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
  9. BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR

© THE APPROACH SAN DIEGO HQ · ARIZONA

HOW WE LEND IN ARIZONA

Arizona is a home market, not a stretch: the same programs, the same terms and the same people that serve San Diego serve Phoenix, Scottsdale and Tucson. When banks say no, we say yes; when a deal does not work, we say that before you pay for an appraisal.

© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS

ARIZONA BORROWERS, IN THEIR WORDS

See all reviews

  • Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!

    ASHLEY ANDREOTTI

  • I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...

    ERIC MANLUNAS

  • This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...

    GABI JUACHE

  • Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!

    ASHLEY ANDREOTTI

  • I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...

    ERIC MANLUNAS

  • This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...

    GABI JUACHE

© QUESTIONS SAN DIEGO HQ · ARIZONA

ARIZONA HARD MONEY LOANS, ANSWERED

Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.

© WHERE WE LEND SAN DIEGO HQ · ARIZONA

ARIZONA: ONE OF TWO HOME MARKETS.

  • 1.3K+CLOSED LOANS SINCE 2022
  • $1.5B+LOANS FUNDED ACROSS 46 STATES
  • Lending footprint, 46 states
  • Home markets: California and Arizona
  • San Diego headquarters
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© GET A QUOTE SAN DIEGO HQ · ARIZONA

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(619) 617-2797

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ARIZONA PHOENIX TO AZ LINE, FUNDED FROM SAN DIEGO

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