What is a hard money loan in Arizona?

A hard money loan in Arizona is a short-term, asset-based loan secured by real estate — not your credit score. Grand Funding evaluates the property value and your exit strategy, not your tax returns or employment history. This makes it ideal for Arizona investors who need fast financing for fix & flip, bridge, or construction projects.

How fast can I get a hard money loan in Arizona?

Arizona hard money loans can be approved within 24 hours and funded within 3-5 business days. Grand Funding provides decisions upon receipt of a complete application. For straightforward deals, we've closed in as little as 48 hours.

What Arizona cities does Grand Funding serve?

Arizona coverage spans the full state: Phoenix, Scottsdale, Tempe, Mesa, Gilbert, Chandler, Glendale, Peoria, Surprise, Tucson, Flagstaff, Sedona, Payson, Prescott, Yuma, and Lake Havasu City.

What is the minimum and maximum loan amount in Arizona?

Grand Funding offers Arizona hard money loans from $70,000 to $5,000,000. This range covers single-family fix & flips, small commercial deals, multi-family, and large construction projects.

Do I need perfect credit to get a hard money loan in Arizona?

Credit is considered but is not the primary qualifying factor. Grand Funding focuses on the property's value, your equity position, and your exit strategy. Arizona borrowers with credit scores as low as 550 may qualify depending on the deal structure.

What does 90% ARV mean for Mesa fix and flip loans?

It means we'll lend up to 90% of the After Repair Value. On a $420K ARV Mesa property, you could borrow up to $378K.

How fast can I close a fix and flip loan in Mesa?

3-5 business days is standard. For clean title and straightforward deals, we've closed in 48 hours.

Do I need income docs for a Mesa fix and flip loan?

No. We underwrite the deal — property value, equity, and exit strategy — not your W-2.

MESA · FIX & FLIP

Mesa Fix & Flip Loans

Up to 90% of ARV. Asset-based — no income docs. Funded in 3-5 days so you don't lose the deal. Funding Mesa investors from Downtown Mesa, Eastmark, Red Mountain, Dobson Ranch, and across the East Valley.

Call Logan: (602) 935-0371 Get Pre-Approved →

Fix & Flip loans built for Mesa deals

Mesa is the third-largest city in Arizona and one of the most active fix-and-flip markets in the Phoenix metro. Suburban demand is strong, entry price points are investor-friendly, and East Valley buyers move fast on renovated properties with good school zones and easy freeway access.

Market context: Mesa fix-and-flip ARVs range from $350K in core Mesa neighborhoods to $700K+ in Eastmark and Gilbert adjacent areas. Median days on market for renovated SFR is under 30 days.

Who this loan is built for

Investors with a Mesa property under contract that needs cosmetic-to-medium rehab work. Common use cases include East Valley suburban SFR flips, Dobson Ranch pool-home renovations, and Eastmark new-finish upgrades.

Loan terms at a glance

→ Loan range: $70K-$3M
→ Rate from: 9.99%
→ Maximum LTV/ARV: 90% ARV
→ Term: 6-18 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in Arizona, including Mesa

Common questions from Mesa investors

What does 90% ARV mean?

It means we'll lend up to 90% of the After Repair Value — the projected value after your renovations are complete. So on a property with a $400K ARV, you could borrow up to $360K.

Do I need to show income or tax returns?

No. We underwrite the deal, not your W-2. Property value, equity position, and your exit strategy are what matter.

Can I close in less than a week?

For clean, straightforward deals — yes. Our record is 48 hours from term sheet to funding. Typical close is 3-5 business days.

What credit score do I need?

Credit is reviewed but not the primary qualifier. Borrowers with scores as low as 550 can qualify depending on the deal structure and equity.

What Mesa neighborhoods does Grand Funding serve?

We fund fix-and-flip projects across all of Mesa: Downtown Mesa, Eastmark, Red Mountain, Dobson Ranch, Mesa Grande, Gilbert border communities, and all surrounding East Valley markets.