Scottsdale-Based Real Estate Financing
Explore property-backed financing for acquisitions, investment properties, commercial real estate, construction, and refinancing.
Arizona Hard Money Lenders, powered by Private Money Funding, helps borrowers explore financing options for their property and project goals. Whether you are purchasing, building, improving, or refinancing, start with a clear understanding of the available programs and the steps involved.
Available programs and terms depend on the property, loan purpose, and approval.
Financing for Each Stage of Your Project
01 Acquire
Explore bridge, acquisition, and investment-property financing.
02 Build or improve
Discuss land, construction, development, and renovation needs.
03 Refinance
Review an existing loan or discuss access to available property equity.
What Is Hard Money Lending?
Hard money financing is secured by collateral, commonly real estate. The lending review considers the property and proposed transaction, including its value, available equity, intended use, and repayment plan.
This financing can address a funding need during a property purchase, renovation, development project, or transition to another loan. Before choosing financing, understand the proposed term, interest, fees, repayment obligations, and intended exit.
Questions to Consider
- Does the repayment period fit my project?
- What is the complete borrowing cost?
- What collateral and documentation are required?
- What payments will be due during the loan?
- How will the loan be repaid at maturity?
- What if my project or exit takes longer than expected?
About the Company
Arizona Hard Money Lenders is powered by Private Money Funding, with an office in Scottsdale. The business focuses on financing needs involving Arizona property and supports borrowers as they explore the available loan options.
Our approach begins with your project: what you are purchasing, building, improving, or refinancing, and how financing fits that plan. We aim to make the discussion clear, explain the next steps, and help you understand the structure being considered.
Our Mission
Help Arizona borrowers understand and access financing options through a straightforward process, local knowledge, and personal support.
Property-Focused Review
Start with the asset and the proposed transaction.
Local Perspective
Work with a team based in Scottsdale.
Clear Communication
Understand the information and next steps involved.
A Project-Specific Review
Discuss financing in relation to your property, budget, timeline, and repayment plan.
Loan Amounts, Costs and Terms
A useful financing discussion covers both the amount available and the obligations that come with it.
Loan Amount & Equity
The available amount depends on accepted collateral value, existing debt, and the program. Ask how the maximum loan and required equity would be calculated for your deal.
Interest & Fees
Request the interest rate, origination charges, closing costs, and any other applicable fees. Review the complete cost alongside the requested proceeds.
Term & Repayment
Confirm the repayment period, payment schedule, maturity obligations, and any prepayment or extension conditions. Connect those terms to your intended exit.
Timing & Conditions
Share the date you need funding. Closing depends on the required review, documentation, and closing conditions; the team can discuss a timeline for your particular transaction.
How the Lending Process Works
01
Share the Project
Tell us the property location, financing purpose, requested amount, and target date. Include a brief explanation of your plan.
02
Review the Fit
The team discusses the property and request, identifies possible programs, and explains what information is needed for further review.
03
Evaluate Proposed Termst
Review the financing structure, interest, fees, repayment plan, and conditions. Ask questions before moving forward.
04
Complete Review & Closing
Tell us the property location, financing purpose, requested amount, and target date. Include a brief explanation of your plan.
What Borrowers Should Prepare
Begin with a brief project summary. These details help the team understand your request; the complete application requirements depend on the program.
- Property address, type, occupancy, and current condition
- Purchase price or estimated value, and any existing loan balance
- Requested loan amount and intended use of the funds
- Target closing date or project schedule
- Renovation or development scope and budget, if applicable
- Proposed repayment plan, such as a sale or refinance
Business or ownership documents, contracts, project records, and other supporting information may be requested during review.
Service Areas
Property eligibility and program availability are reviewed for the particular location and transaction.
- Scottsdale
- Chandler
- Fountain Hills
- Gilbert
- Glendale
- Guadalupe
- Mesa
- Paradise Valley
- Phoenix
- Rio Verde
- San Carlos
- Tempe
- Tempe Junction
Have a property elsewhere in Arizona?
Share the address so the team can confirm whether an available program covers the request.
Frequently Asked Questions
Understand the available options, the information involved, and what to expect from a financing discussion.
Who can discuss a financing request?
Property investors, business owners, developers, and property owners can describe their needs to the team. Available programs depend on the property, borrower, and loan purpose. Estate- and trust-related requests require a review of their particular circumstances.
What kinds of properties are considered?
See Loan Options for examples of the property types covered by each program. Describe your asset's use, location, and condition so the team can confirm the appropriate program and its property requirements.
What loan amount can I qualify for?
There is no single quoted amount for every borrower. Share the property value, existing debt, and desired proceeds. The team can discuss the loan size and required contribution available for the transaction.
What interest rate and fees will apply?
Request an individualized quote showing the rate, fees, repayment terms, and closing conditions. Review the complete proposed financing before deciding whether to proceed.
How quickly can a loan close?
Share your required closing date at the start. The timeline depends on the transaction and completion of the necessary review, documents, and closing conditions. The team can discuss what is realistic after understanding your request.
Is qualification based only on property value?
Property value and equity are important parts of the discussion, but they do not establish approval on their own. Ask which borrower, credit, documentation, and repayment requirements apply to the program being considered.
Can I finance a home I intend to live in, or a personal-use request?
Explain the intended occupancy, funding purpose, and proposed collateral at the start. The team must confirm whether an appropriate program is available for those circumstances.
Can I refinance an existing loan or request cash out?
Cash-out and refinance financing is among the programs offered for review. Provide the existing balance, property information, desired proceeds, and intended use. Compare the new loan's full costs and obligations with your current arrangement.
Can I discuss land or a construction project?
Yes. Share the site, project stage, proposed plans, estimated budget, and timeline. The team can explain what additional information is needed to evaluate the land or construction request.
Does requesting a quote mean that I am approved?
No. A quote request starts the review process. Any financing remains subject to the applicable underwriting, approval, documentation, and closing conditions.
“…their team was super professional. Highly recommend!”
P.W.
“Arizona Hard Money Lenders provided a smooth and stress‑free experience.”
J.S.
Contact and Inquiry
Ready to explore the available options? Share a few details about your property, financing needs, and timeline, or contact the Scottsdale office directly.
Phone
General Inquiries
Team Contacts
brandon@pmfaz.com
ryan@pmfaz.com
Scottsdale Office
11216 North 74th Street
Scottsdale, Arizona 85260