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Arizona Hard Money Lenders

Arizona Hard Money Lenders

Independent Lending is a popular choice for Arizona hard money lenders. Best understood for the Grand Canyon and peaceful desert living, individuals flock to the Grand Canyon State for its lovely vistas and varied landscape. Arizona provides both an abundant history and fantastic weather conditions.

Arizona is so popular that by 2040 its population is anticipated to increase by 26%, keeping its ranking as the 14th most populated state in America. Independent Lending can assist you with a 
hard money cash out refinance or with hard money purchase loans for Arizona’s growing cities consisting of, however not restricted to, Phoenix, Scottsdale, Mesa, Avondale, and Surprise.


Why Independent Lending?

Independent Lending utilizes a private, protected loan application procedure to supply 24 hour loan approvals and closings in as little as 5-7 business days. As a direct hard money lender, we have the capability to process and underwrite every loan in-house.

Independent Lending’s founder, David attended Arizona State University in Tempe, AZ, understands the nuances of Arizona’s real estate markets, and can offer
hard money equity loans to assist you attain your financial goals no matter how unique.

For over 20 years David and his group have helped many borrowers and clients with
hard money loans. We aim to be the # 1 Arizona hard money lender and we understand what it requires to get your private money loans funded rapidly!

Private Money Home Equity Loans from $50,000 to $5,000,000
– As high as 65% Hard Money Loan-To-Value (LTV)
– Low Interest Rates from 7.99% -12.50%
– 24 hour Hard Money Approvals
– BBB A+ Rating
Competitive Rate & Cost

A Few of our Most Popular Lending Programs


Arizona is among the best states to live in. With the nationwide cost of living so high and life coming at everybody in ways that we can’t anticipate, a damaged credit report is something much of us will come across in our life time. Independent Lending does not feel that your credit scores need to identify your capability to qualify for a new 
home equity loan for bad credit in Arizona.

Unlike the other 
big banks and local credit unions, bad credit mortgage loans are provided to our borrowers to help with their real estate goals. Independent Lending offers guaranteed home equity loan with bad credit to Arizona borrowers regardless if you have experienced previous collections, delinquencies, or bad credit situations such as a bankruptcy or a foreclosure.


Integrating Arizona hard money cash out refinance loans into your real estate investing strategy is a wise move given real estate market patterns over the last couple of years. In most cases, private money cash out refinance loans can even be more beneficial than a hard money purchase mortgage.

Cash out loans can help expand your existing small business or allow you to do a bridge loan while your current home is on the market and put a down payment on the new home of your dreams.


There are many real estate investors that will make use of hard money rental loans for Arizona real estate to purchase either a new residential or commercial rental property. Since conventional or traditional loan programs can be incredibly conservative, at the minimum requiring good credit scores and verifiable reserves and income, an Arizona investment property loan with Independent Lending is a better funding option.


Moving Forward with Independent Lending

Typically only current mortgage statements, homeowners insurance declaration pages and photo ID’s are all that’s required to begin the process for new hard money loans. Behind the scenes, the hard money loan officer will order an appraisal or BPO and new title report. The current market value of the subject property is determined by the appraisal report and the preliminary title report verifies if there are any liens that could potentially stop the refinance process. If new liens appears on title, we might be able to pay them off thru the new hard money loan on a case-by-case basis.

Call us at 1-800-315-0043 or click the Apply Now button located at the very top of this article and we can discuss in detail the best path to take for your financial real estate success. If a investment property loan or owner occupied hard money loans is something that would work for you, please Contact Us so that we can establish a detailed mortgage lending strategy.

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