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Independent Lending one of the leading Scottsdale 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 Scottsdale 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 Scottsdale

Scottsdale isn’t simply known for its world-renowned golf courses or boutique shopping metropolis; it’s also becoming prominent for its luxurious real estate amongst those seeking new investment opportunities.

Much like Old Town and Fashion Square put Scottsdale on the map in terms of culture and fashion, hard money lenders have been a great help in putting Scottsdale as one of the best places to invest in both residential and commercial real estate.

Changes in the 
Scottsdale housing market have helped normalize buyer and seller trends alike, easing the tension, bidding wars, and contingency waivers that became prevalent in pandemic markets.

Nevertheless, affordability continues to be a big obstacle for new homebuyers who are now choosing to rent longer to weather both inflation and low wage growth. This makes Scottsdale the perfect real estate market for tactful investors to expand and purchase new rental properties.

Many Scottsdale borrowers are turning to Scottsdale hard money lenders to fuel new acquisitions and accelerate their investment model, through the utilization of fast and flexible hard money loan programs.

As Scottsdale’s preferred hard money lender, Independent Lending has helped thousands of borrowers just like you develop suitable mortgage strategies centered around your financial objectives.

Looking to expand into the Scottsdale rental market or need quick financing for a new real estate deal? Independent Lending is the Scottsdale hard money lender you can trust.

What is a Scottsdale Hard Money Loan?

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Scottsdale Residential Hard Money Loans

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Scottsdale Commercial Hard Money Loans

What is a Scottsdale Hard Money Loan?

Scottsdale hard money loans are in some ways just like other traditional mortgage loans most borrowers are accustomed too. Scottsdale hard money loans use underlying real estate as collateral to secure the debt.

You also must go through a lender in order to obtain a Scottsdale hard money loan, although instead of working with a bank or credit union, your lender is usually a private investor, business, or trust.

However, Scottsdale hard money lender loan programs offer some key differences that make them much more competitive than mainstream, conforming conventional programs.

To start, Scottsdale hard money lenders aren’t burdened by the same lending restrictions that institutional lenders are required to adhere to. This allows Scottsdale hard money lenders to use alternative underwriting criteria to approve new credit requests, making hard money loans extremely flexible.

Similarly, if you are looking for a loan from a hard money lender, Scottsdale borrowers can get approved and have loans funded extremely fast since Scottsdale hard money lenders don’t have to examine piles of financial documents. Being able to secure funding in a pinch can make you a more competitive real estate investor.

Independent Lending’s focus on a speedy service and an exceptionally efficient approval process that focuses on borrower attributes for qualification other than income and credit score, has helped make us the Scottsdale hard money lender borrowers turn to when they need effective short-term financing solutions.

Need a Scottsdale Hard Money Loan?


Scottsdale Hard Money Program Highlights

How Can Scottsdale Hard Money Lenders Help?

There are several ways to effectively use Scottsdale hard money lenders to your advantage. One of the best ways Scottsdale hard money lenders can help you achieve your financial objectives is by developing hard money loan strategies tailored to your unique needs.

There are several ways to structure real estate financing, but not every loan program appropriately synergizes with every investment strategy.

Using a seasoned 
Scottsdale hard money lender like Independent Lending can help you identify programs that work best with your business model so that you can keep costs in check and maintain momentum investing in properties you care most about.

Another way Scottsdale hard money lenders can help is by providing a source of ongoing capital to fuel that can be tapped into extremely quickly.

Historically, conforming lenders take 45-60 days to close on a new mortgage loan. They also have caps on how many financed properties a borrower can own.

In contrast, Independent Lending can fund loans in days, not weeks. Since the focus of our credit decision will be primarily on the value of the underlying real estate, there are a few other parameters that would prevent you from qualifying for any of our unique hard money loan programs.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Residential and Commercial Hard Money Purchase Loans

Scottsdale borrowers frequently use hard money loans to purchase residential and commercial real estate. Most borrowers prefer to work with a Scottsdale hard money lender over banks and credit unions because they can quickly approve credit requests and fund loans expeditiously.

In competitive real estate markets, being able to move on a prospective investment property with speed and efficiency can mean a huge swing in profit. Scottsdale hard money lenders can provide the financing you need to become a more competitive buy and take advantage of strategic buying situations.

Hard Money Second Mortgage Loans

Contrary to popular belief, when buying a new Scottsdale property, you don’t always need to obtain a new purchase mortgage loan. Scottsdale hard money lenders like Independent Lending offer hard money second mortgages that allow you to leverage existing real estate to help you purchase a new property.

In some cases where a second mortgage cannot fund the entire purchase of an additional property, at the very least financing your down payment can be a strategic move, rather than sacrificing liquidity.

Bridge Loans

Independent Lending specializes in Scottsdale hard money bridge loans for borrowers looking for short-term financing that leverages equity already accrued in an owned property, but that has been listed for sale, in order to purchase a new Scottsdale property.

One significant benefit to utilizing hard money bridge financing is you don’t have to waste time waiting for your property to sell. You also don’t need to include any sales contingencies as part of your offer to purchase.

DSCR Loans

Whether you are buying for the first or fourth investment property, you most certainly will need flexible financing programs to facilitate your acquisitions. Scottsdale DSCR loans are the perfect alternative to restrictive conforming conventional mortgage loan programs.

Independent Lending can qualify you for a new mortgage loan without reviewing your personal income for qualification. Rather, your loan will be approved primarily based on the value of your property and the potential rental income it can generate.

Debt service coverage ratio (DSCR) loans are ideal for Scottsdale self-employed borrowers, applicants who work in the gig economy, retirees, or those that have other non-traditional sources of income.

Probate, Estate and Trust Loans

Life can sometimes take unexpected turns and twists that require creative financing solutions to solve complex problems. Certain probate, estate, and trust situations can be tricky to navigate and may require a loan to help settle debt obligations or divide up ownership of a decedent’s assets.

Independent Lending can help provide the necessary 
financing you need to buy out other beneficiaries and heir or help put to rest long, drawn out probate scenarios.

Cash Out Refinance Loans

Most Scottsdale property owners understand the power of pulling out equity in the form of a cash out refinance. But the problem with traditional cash out refinance mortgage loans is that it can take months to receive the expected funds. 

A better financial play is to use a Scottsdale hard money lender and obtain a 
hard money cash out refinance loan that can get you the cash you need quickly. Independent Lending has a reputation for funding loans in record time so that you can put your equity to work faster.

Independent Lending Recently Funded Loans

Using a Scottsdale Hard Money Loan from Independent Lending

With immaculate weather and stunning naturescapes, it’s no secret why people are flocking to live in Scottsdale. There are several things attracting people to Scottsdale including a lower cost of living and being ranked one of the top places to raise a family.

Clearly, Scottsdale has a lot of potential for real estate investors and property owners alike looking to tap into higher returns on investment. Using a preferred Scottsdale hard money lender can help optimize your investment strategy for superior results.

While there are several Scottsdale hard money lenders that offer hard money loan programs, Independent Lending has the credibility and know-how to ensure your lending experience is flawless.

As a Zillow 5-star approved direct lender with an 
A+ rating from the BBB, what sets Independent Lending apart from other Scottsdale hard money lenders is our dedication to trust and service. With over 40 years of combined industry experience, you will not be disappointed using a Scottsdale hard money loan from Independent Lending.

Need a Scottsdale 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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