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.

GLOSSARY · INVESTOR DEFINITIONS

What is LTV (Loan-to-Value)?

Loan-to-Value ratio expresses the loan amount as a percentage of the property's appraised value or purchase price.

Formula

LTV = (Loan amount ÷ Property value) × 100

Example

If you're buying a property for $500,000 and the lender provides a $375,000 loan, the LTV is 75% ($375K ÷ $500K = 0.75).

Why it matters for investors

Hard money lenders typically cap LTV at 70-75% on bridge and refinance loans. The lower the LTV, the lower the lender's risk — and often the lower the interest rate.

How Grand Funding handles LTV

Grand Funding lends up to 75% LTV on bridge loans, refinances, and 2nd position loans. Strong borrowers with low-leverage exits can occasionally go higher case-by-case.