Phoenix-area hard money lenders

19 lenders with published terms and 8 more we’re watching have an office in Maricopa and Pinal counties (the Phoenix-Mesa-Chandler metropolitan statistical area) or name a city there on their own website, as of October 17, 2026. Another 1 lenders that serve Arizona are based elsewhere in the state. Lenders that work in more than 10 states aren’t counted here; they’re on our nationwide list.

We use only the lender’s own website: the office address it publishes, or a page, service-area list or funded-deal post that names a city in the metro. Every local tie on this page links to that source and shows the date we checked it. The lender must also meet our Arizona rule: it works in 10 or fewer states including Arizona, or is based in Arizona and doesn’t publish a state list.

The Census Bureau’s 2020–2024 American Community Survey puts the median owner-estimated home value at $440,900 for Phoenix-Mesa-Chandler metro; $420,700 for City of Phoenix. Redfin reports a median sale price of $469,000 for the Phoenix, AZ metro area in May 2026. Sources and retrieval dates are in the market data box on this page.

HUD’s FY2027 Fair Market Rents for the Phoenix-Mesa-Chandler, AZ MSA are $1,734 for a 2-bedroom and $2,287 for a 3-bedroom, effective October 1, 2026. The ACS 2020–2024 median gross rent is $1,702 for Phoenix-Mesa-Chandler metro. Fair Market Rents are HUD’s benchmark for voucher programs, not an appraisal of a specific property, so get a rent estimate for your address.

Phoenix requires a permit for each short-term or vacation rental. The permit fee is $250 a year, and operators need a transaction privilege tax license, county assessor registration and liability insurance of at least $500,000. Source: Phoenix City Code §§ 10-195, 10-196; City of Phoenix short-term rental registry.

1 of the 19 local lenders publishes a minimum credit score. The published minimum is 620. 18 don’t publish one on the pages we checked. A lender’s lowest minimum often applies to only one program, so check the program details.

5 of the 19 publish a max purchase LTV. Published maximums range from 69% to 80%, so the highest is 80%. Maximums usually depend on credit score, experience and property type.

Of the 19 local lenders, 5 publish a minimum loan size, from $10K to $100K and 5 publish a maximum, from $2.5M to $25M. The rest don’t publish loan sizes on the pages we checked.

9 of the 19 local lenders have published an advertised starting rate in the last 180 days, with floors from 8.5% to 16% (published October 17, 2026). These are advertised “starting at” floors, not quotes; each lender’s page shows its figure and date. 10 don’t publish a current rate, so request a written term sheet.

No. Lenders are listed alphabetically, no placement is paid, and LenderTracker takes no per-loan or per-lead fees. Our disclosure page explains who runs the site and any relationships.