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ARIZONA PRIVATE MONEY & HARD MONEY REAL ESTATE LOANS DIRECT FROM BRAD!

Owner Occupied Mortgage Loans (you intend to live in the home)
Investor loans for Fix and Flip or Long Term Hold
Up to 100% Loan to Value of Purchase price
Loan Amounts $25,000 to $250,000 (up to $1M on multi-family complex)
6 Month to 10 Year Terms
Low interest rates from 12.99% on most private money and hard money loan programs
Homes, 2-4 unit properties, apartment buildings (no land)

Foreclosure? Short Sale? Discharged Bankruptcy? …. OK !
Non-US Citizen .... OK! NO “Established Credit” …. OK !

Brad is Arizona's premier bad credit mortgage lender!

Requirements for OWNER OCCUPIED and RESIDENTIAL MORTGAGES
(you intend to live in the home):

30% cash DOWN PAYMENT, possible down to 20% cash Down Payment with EXCEPTIONS or ALTERNATIVE Loan Programs
Bank statement showing funds available for down payment, loan fees and third party closing costs. Copy of IRA or 401(k) statements if applicable
Proof of income: 30 days of paystubs, last two years federal tax returns and W-2’s or 1099’s, OR 12 months of bank statements (instead of tax returns), where we will average 12 months of deposits to determine average monthly income
Debt to income ratio must be below 50%
Copy of Purchase Contract
Valid ID
Appraisal and title report (ordered by eMortgage Inc.)
Loans can usually be funded 5 to10 days from application
Must choose fully amortized loan program highlighted in yellow on Loan Programs page

Most loans have NO PREPAYMENT PENALTY!

30% cash DOWN PAYMENT or more (Up to 70% Loan to Purchase Price or After Repair Value)
OR up to 0% down when borrower escrows up to 35% or more of purchase price for renovations OR provide cross-collateral
Bank statement showing down payment funds and other available working capital. Copy of IRA or 401(k) statements if applicable
Copy of lease(s) if applicable
Copy of Purchase Contract
Valid ID
Appraisal and title report (ordered by eMortgage Inc.)
3 to 5 day funding

Most loans have NO PREPAYMENT PENALTY!

Call 480.948.0880 or fill out our 5 minute, simple ONLINE LOAN APPLICATION.