Fast Hard Money Loans for Arizona Real Estate Investors - Funded Since 1980

Because we are a direct Arizona hard money lender, we typically can approve loans in 24 hours and fund loans within 7 days from initial contact. Our automated hard money loan process and direct access to capital allow for quick decisions and funding.

A hard money loan is a specific type of asset-based financing where a borrower receives funds secured by equity in real estate. A Arizona hard money lender like Hilton Financial Corporation is mainly focused on the equity in real estate as opposed to borrower credit and financials. Our hard money loans are used for projects lasting anywhere from one to three years.

Good rule of thumb is 20% of the purchase price plus 6 months of mortgage payments for the subject property to include principal, interest, taxes, insurance, and HOA.

Real estate investors prefer hard money financing over traditional or bank financing for a multitude of reasons. One main factor is the speed at which they can procure the financing. A quick closing with fewer contingencies on financing can be a powerful negotiating tool when purchasing investment real estate.

First and foremost, Hilton Financial Corporation looks to make sure that your transition is a positive one. If a deal is too “skinny” and it looks like it may fail, we will pass on the opportunity. Secondly, we look at the property’s ability to repay the debt we look at the investor’s ability to service the debt as well as their credentials (experience) for a project such as the one that he/she is applying for.