How to Qualify

Had a Foreclosure? Short Sale? Discharged Bankruptcy? Non-US Citizen? No “Established Credit”…OK!

Brad is Arizona’s premier ’no credit’ or ‘bad credit’ mortgage lender!

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I offer Hard Money Loans in the Greater Phoenix Arizona Area & Surrounding Communities

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Contact by eMortgage
7522 East McDonald Drive
Scottsdale, AZ 85250
Office: 480-948-0880
eFax: 1-888-392-3843
Licensed Mortgage Broker # MB0903436, NMLS # 195785

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I offer Hard Money Loans in & around Phoenix

Arizona Private Money & Hard Money

Loan Programs & Fees

No Pre-Payment Penalty

Our Loan Programs

One of these eMortgageAZ loans is the perfect loan for you —

20-year fully amortized 70% LTV loan:

20-year fully amortized 80% LTV loan:

  • Payments similar to a car loan
  • 13.99% – cost: greater of $4,000 or 8 points + $1,920 admin fees
  • 15.99% – cost: greater of $3,000 or 6 points + $1,920 admin fees
  • No pre-payment penalty
  • Investor 30-year amortization 70% LTV loan:

    Investor one-year 70% LTV loan:

  • Monthly interest-only payments
  • 16.99% and 0 points + $1,920 admin fees
  • Four-month interest minimum
  • No pre-payment penalty
  • Want to know if you qualify? Complete the loan application on our site. We’ll call you in one to two days.

    What should you expect from us? We’re open about everything, so there are no surprises:

    No Pre-Payment Penalty

    That means no paying hidden fees for just trying to pay your loan off earlier than expected.

    purchase, Meaning:

  • A down payment of 30% or as low as 20%
  • Up to 70% of appraised value
  • Up to 100% financing with cross-collateralization (a second free and clear property as additional collateral)
  • Refinance, Meaning:

  • Up to 70% of appraised value
  • Up to 100% financing with cross- collateralization (a second free and clear property as additional collateral)
  • Costs:

    eMortgage Inc. administrative fees (totalling $1920 plus points)

    An Impound Account Is Necessary

    No matter the title company you choose for your closing, we set up repayment with Grand Canyon Title Agency Account Servicing. They’ll set up an impound account for your property taxes and insurance. Your monthly payments amount to one-twelfth of your annual taxes and insurance plus a $30 account servicing fee.

    For Investors — Regarding 401(k) and IRA Purchases

    Loan Program That Includes Renovations

    We love when investors and owner-occupants take a diamond-in-the-rough property and make it shine. We’ll finance up to 70 percent of the total purchase price and estimated renovation costs, which you can roll into your loan — any of the hard money–lender programs listed above. We’ll release up to 70 percent of the purchase price at the close of escrow and the agreed-upon financed renovation cost upon the completion of renovations.

    The additional cost of this program is $575, and the total we lend differs on a case-by-case basis. We determine the amount based on the renovation cost and the after-repair-value (ARV) appraisal.

    Let’s take an example:

    o $1920 eMortgage Inc. universal flat fees
    o $3500 third-party closing costs and pre-paids (average figure)
    o $575 renovations-included program fee
    o Total spent: $35,995 at close of escrow

    It takes only 24 to 48 hours to get a response from So fill out our online loan application to get the ball rolling today!

    Did You Know We Offer Special Financing on Incredible Homes?

    Check out our properties page and take a look at homes. We have some incredible deals! We pay for renovations and make these upscale properties move-in ready before listing them for sale. Best of all, since we’re the seller, we offer:

    Listings change frequently, so visit our site every day!

    Don’t hesitate to call us today at 602-999-9499. We’re ready to discuss your personalized loan options. Talk to the most professional and honest hard money lenders in Arizona!

    All scenarios, fees and percentages listed on this page are only examples. Your actual fees may vary and may include additional third-party fees. Rates, fees and terms are for real estate and mortgage professional use only and are subject to change at any time without prior notice. APR can’t be estimated until all of a loan’s particular costs are calculated.

    View Plans and Pricing