About

I offer Hard Money Loans in the Greater Phoenix Arizona

About eMortgageAZ.com

Growing up in Minneapolis, Brad Gilbertson, president and principal of eMortgage Inc., considered his real estate businessman father his mentor and moral guide. “He imbedded in me a strong sense of fair dealing and ethics,” Brad says.

Fair deals and ethical lending: That’s what Brad founded his competitive brand of loans on, and that’s what you’ll find with eMortgage AZ loans by Brad Loans today. With more than 35 years in the real estate business and an Arizona State University degree in business with a real estate specialization, Brad also brings experience and real estate savvy to the table.

Brad has decades of experience and personally customizes each real estate loan. As a direct lender, you can count on us for:

  • Equity, hard money and private money loans — with no pre-payment penalty
  • Owner-occupied mortgage loans
  • Investor loans for fix and flip or long-term hold
  • Refinance and purchase loans
  • Manufactured home loans
  • Loans for single-family homes, two- to four-unit properties and apartment buildings with no land
  • One- to 15-year terms
  • Loan amounts between $25,000 and $250,000 (or up to $1 million on multi-family complexes)
  • Interest rates from 12.99 percent on most private money and hard money Arizona loan programs
  • Up to 100-percent loan to value of purchase price when a second free & clear property is used for additional collateral

Experience You Can Rely On

Brad has witnessed the real estate market fluctuate over the years. He’s seen every side to the business and has worked as a real estate agent, a broker, a syndicator, a developer, a renovator, an investor, an owner, a landlord, a borrower and a lender. He wholeheartedly believes that only lenders who have worked in nearly every aspect of the industry and can empathize with every kind of challenge deserve the trust of the borrowers in the Arizona cities he serves, which include the following:

  • Glendale
  • Mesa
  • Tempe
  • Chandler
  • Scottsdale
  • Phoenix
  • Paradise Valley
  • Cave Creek
  • Peoria
  • Avondale
  • Goodyear
  • Litchfield Park
  • Sun City
  • Surprise
  • Carefree
  • Apache Junction
  • Maricopa
  • Queen Creek
  • Sun City West
  • Ahwatukee
  • New River
  • Buckeye
  • Fountain Hills
  • Anthem

In addition to earning an A+ rating from the Better Business Bureau (BBB), eMortgage Inc. is a member of the Arizona Association of Mortgage Brokers and the National Association of Mortgage Brokers. You’ll find us listed in the Arizona Department of Financial Institutions under mortgage broker license number MB0903436 as well as in the National Mortgage Licensing System (NMLS) under #195785.

A Proud REIclub Member

Real estate investors know the value of the REIclub, which provides accurate, up-to-date information on foreclosure purchases and other real estate investment opportunities. We are an REIclub member.

Call us today at 602-999-9499, or send us a message to get started!