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Independent Lending one of the leading Phoenix hard money lenders. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

Independent Lending provides hard money real estate loans for Phoenix investors, first-time buyers and current property owners. Our streamlined loan process and minimal paperwork equals quick funding and fast cash. We are a Zillow 5-Star approved direct lender and have been assisting our clients since 2013.

The founder of Independent Lending attended
Arizona State University, and he will always be a Sun Devil at heart! Our underwriting is focused on property equity, condition and location instead of proof of income and credit scores for our hard money and private money loan programs.


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Hard Money Lenders Phoenix

Most people think of Phoenix as a retiree’s paradise, due to its year-round sun and luxurious golf courses. But the truth is the city has attracted a lot of different people from all walks of life, having grown tremendously over the last half century.

Holding the title as now the fifth-largest city in the United States, Phoenix’s population has grown from a meager 
100,000 in the 1950’s to roughly 1.62 million people strong, reported in mid-2021.

Phoenix’s incredible growth has prompted interest from real estate investors and property owners alike in search of big profits and strategic partnerships with some of the country’s preferred hard money lenders. Phoenix now continues to be the hotspot destination for new developments and urban expansion.

With real estate prices growing over the last few years, Phoenix hard money lenders have helped real estate investors capitalize on strategic acquisitions ideal for long-term tenancies.

Data shows that 
36% of all Phoenix households are rent rather than own. Partnering with the right hard money lender, Phoenix real estate investors can build an impressive rental portfolio as renting remains the go-to option for most residents.

Independent Lending has helped lots of real estate investors take advantage of key Phoenix real estate market trends by providing fast and flexible hard money mortgage programs that synergize with any investing strategy.

Whether you are looking for a purchase mortgage, cash out refinance hard money loan, or specialty financing, Independent Lending the preferred hard money lender Phoenix.

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Phoenix Residential Hard Money Loans

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Phoenix Commercial Hard Money Loans

What is a Phoenix Hard Money Loan?

Borrowers have a lot of options when it comes to financing real estate. While traditional mortgage programs have become mainstream among homeowners, a lot of real estate investors and property owners have started to prefer hard money loans. Phoenix hard money lenders offer hard money loan programs that include short-term, non-conforming loans ideal for financing both commercial and investment properties.

The biggest reason why hard money loans are becoming popular is because they are both efficient and flexible. Historically, it has been challenging for borrowers to qualify for conforming mortgage programs due to their restrictive lending criteria. Borrowers with prior credit related issues or that have non-traditional forms of income may find it difficult to qualify for financing.

In contrast, hard money lenders like Independent Lending focus their credit decision primarily around the value of the underlying real estate being utilized as collateral. This reduces underwriting and documentation requirements, enabling flexibility for approving new unique credit requests.

Need a Phoenix Hard Money Loan?


Phoenix Hard Money Program Highlights

How Can Phoenix Hard Money Lenders Help?

Many real estate borrowers can benefit by working with hard money lenders. Phoenix borrowers using Independent Lending for their hard money loans have found it easier to adopt hard money loan programs into existing real estate investing practices, translating into higher long-term gains.

Similarly, by using hard money loans, 
Phoenix borrowers just like you can more aggressively pursue new real estate opportunities. Hard money lenders can help you become a more competitive real estate buyer.

Overall, sellers like to work with buyers utilizing hard money loans because they close fast and come with fewer contingencies. They also know that if circumstances change, hard money lenders offer greater flexibility due to their asset-based approach to lending.

In fact, Independent Lending has salvaged numerous lucrative investment transactions where financing has fallen through because a buyer was relying on a conforming mortgage program for financing and circumstances changed.

Lastly, nothing feels worse than being put into a loan program that simply doesn’t resonate with your financial objectives. That’s why Independent Lending works to build strong partnerships with borrowers, thereby uncovering your specific financing needs and allowing us to make recommendations about which mortgage strategies synergize best with your investment plan.

Nevertheless, there are several ways Phoenix hard money lenders can help add value to your next real estate transaction. With a variety of sophisticated hard money loan programs to choose from, impeccable service, and streamlined lending processes, you can’t go wrong using 
Independent Lending for your mortgage financing needs.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Residential and Commercial Hard Money Purchase Loans

One of the most common ways borrowers utilize Phoenix hard money loans is to purchase new residential or commercial real estate. Using hard money loans, Phoenix borrowers have found it easy to pursue new investment opportunities.

Hard money loans are the perfect financing tool for purchasing new Phoenix investment properties because Phoenix hard money lenders can approve and fund loans faster than other lenders. This can give you an edge over buyers that are slower to act.

Hard Money Second Mortgage Loans

In some cases, using a purchase mortgage program may not always be the most strategic financing option. A second mortgage can sometimes be a better financing tool.

In fact, Independent Lending often recommends 
hard money second mortgage loans to borrowers looking to finance all or a portion of the down payment on a new property rather than forfeiting liquidity.

Taking advantage of the available equity accrued in existing real estate to purchase another property is a smart way to enhance your real estate portfolio and keep your profits growing.

Bridge Loans

Independent Lending is one of Arizona’s premier hard money bridge loan providers. Bridge loans are short-term loans that grant Phoenix borrowers access to equity in an existing property intended to be sold. The funds can be used to buy new commercial or residential real estate.

With a bridge loan, you don’t have to wait around for your current property to sell, allowing you to actively pursue other real estate deals unencumbered. Bridge loans can help ensure you never miss out on a new investment opportunity.

DSCR Loans

If you have ever been turned down for a new mortgage loan due to a lack of personal income or for having unconventional income streams, a DSCR loan may be the loan program for you.

Debt service coverage ratio (DSCR) loans are a type of hard money loan that qualifies you for real estate financing off the rental income producing potential of the underlying property, among a few other factors.

These mortgages are often ideal for self-employed borrowers, applicants who work in the gig economy, retirees, or borrowers paid in cash by an employer.

Probate, Estate and Trust Loans

Unique financing situations can arise when you least expect it. In some circumstances, beneficiaries and heirs to assets held in an estate or trust may need a loan to settle outstanding obligations or to divide up ownership of a decedent’s assets more effectively.

Independent Lending offers Phoenix borrowers loans to help make 
probate, estate, and trust situations easier to navigate. If you are unsure how best to utilize a hard money loan to work through a difficult probate situation, Independent Lending can walk you through all your hard money financing options.

Cash Out Refinance Loans

Using a hard money loan to complete a cash out refinance is a great option if you are looking to take advantage of the available equity in Phoenix property you own. Cash out refinance loans can be tactfully used for a variety of purposes including buying a new investment property.

Independent Lending Recently Funded Loans

Using a Phoenix Hard Money Loan from Independent Lending

As Phoenix continues to grow and expand, it won’t be hard to find a lender who provides hard money loans. Phoenix real estate is a great way to build long-term wealth with the right financing strategy.

While some Phoenix hard money lenders offer similar financing solutions, most don’t take the time to understand your personal financial goals. What sets Independent Lending apart from other private money lenders is our dedication to service and credibility.

With over 40 years of combined industry experience, there is no better Phoenix hard money lender that will take the time to listen to your needs and develop mortgage strategies customized to your financial objectives.

Need a Phoenix Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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