Phoenix, Arizona Hard Money Lenders

Last Updated on 25 April, 2025

Your Trusted Bridge Loan Lender

LENDING PROGRAM

Loan Term	1 Year
Loan Amount	$150,000-$25,000,000
Amortization	Interest only
Loan to Value	Up to 80%
Interest Rate	Starting at 8.75%
Prepayment Penalty	None
Closing Time	7 to 15 Days
Acquisitions	Increase Capital Stack Repositioning
Refinancing	Cashout Purposes Rehabs

Hard Money Lenders in Phoenix, Arizona

RTI Bridge Loans serve real estate investors in Phoenix, Arizona, through fast and easy hard money lending services. Since we are a professional hard money lending service, we take care of your financial needs to help you invest in your next real estate investment project.

Whether you need funds for purchasing a property in Phoenix, Arizona, or for a fix and flip project, contact RTI Bridge Loans to know more about how you can qualify for our hard money loans.

We are a reliable and credible hard money lending service in Phoenix, Arizona, serving real estate investors for over three decades.

Let’s find out why RTI Bridge Loans are among the most popular hard money lending services in Phoenix, Arizona.

40 Years Of Experience

Partner with one of the most reliable and professional direct hard money lenders in California with over 40 years of hard money lending experience.

Fast Approvals And Funding

Quick approvals and direct funding when time is off the essence and need capital on critical opportunities in this fast-moving real estate market.

Leverage Your Money

Maximize Leverage with our financing up to 70-80% LTV of the residential, commercial or mixed project at competitive hard money loan rates.

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Here’s What Our Borrowers Are Saying

Bridge Loans for California Real Estate

Reviews

RTI Bridge Loans

4.6

Based on 22 reviews

review us on

Nic Alamillo

00:11 23 Jul 25

In 2023, I got a hard money loan with RTI. A gentleman named Tom claimed they did all the funding in-house. This loan dragged on for months and was funded by 10+ individuals. It took weeks for everyone's wires to get sent in. Tom stated several times that all of RTI loans are funded quickly, as it's all in-house. Not the case. Then they had me include two properties I own as collateral for a $ 650,000 loan. Just one property had 1.5 million in equity! Tom claimed to have driven by both properties and knows real estate after 20+ years in the business, and valued one property almost a full million under what I sold for 6 months after the loan. This guy is full of it.
Huge loan origin fees, non-replies, and lack of knowledge are just the beginning of the shit show dealing with RTI. I have had the loan paid off for over a year and a half, and after numerous attempts to contact RTI, I am still unable to get them to remove RTI from the deed and have my new grant deed issued.
Avoid RTI at all costs.

Joumana Nasser

19:00 14 May 25

I can’t recommend RTI Properties enough! I’ve had the pleasure of working with Tom, Tiara, and Genevieve on multiple occasions, and we’ve successfully closed several loans together. They are consistently professional, honest, and fair throughout every transaction. Their responsiveness and integrity make them a true standout in the industry. Looking forward to many more deals together!

Pavel Herrera

23:47 04 Apr 25

Thank you RTI Bridge Loans for your great service.
I would definitely recommend to my friends.
I very appreciate it for all the help they provide me.

Tomas Johnson

20:09 04 Apr 25

I had a great experience with their whole team. We closed within 10 days no appraisal or inspections. They also allowed us to raise the loan amount last minute. I'm looking forward to working with them again soon.

Hotline Marketing

04:32 01 Mar 25

I have worked with Tom, Tiara and team over the past 2 years, they have been prompt and timely on my loan funding's they are tops on my bridge loan list!

Matthew Goetz

01:34 01 Mar 25

It was a very good experience and RTI came through as promised

Amrit Bakshi

03:53 27 Nov 24

RTI can close bridge funding fast.

Paul Bellgraph

17:51 26 Nov 24

RTI is amazing lender for 2nd position loans. Fast and easy. Tiarra and Tom are extremely professional and great to work with.

Joe Mikhail

04:26 26 Nov 24

Very professional, easy to talk to, and understandable of what the needs are and what needs to be done,

Eddie Keshishian

01:14 26 Nov 24

I’ve worked with Tiara, Tom, Robert, and Dan and rest of the team from RTI Properties on several deals, and they are great to work with. They are always on time, honest, and keep you updated throughout the process. They approve deals that make sense, which shows they care about making the right decisions. They’re also easy to communicate with and genuinely kind. I highly recommend RTI Properties for anyone looking for a reliable and trustworthy lender.

Christian Keshishian

22:12 25 Nov 24

I've had the pleasure of working with Tiara, Tom & their team on several transactions. They are always helpful, responsive, and knowledgeable. Highly recommended!

Nasir Khan

20:44 25 Nov 24

Amazing people to work with. They are always there when you need them. I have great experiences with them and they haven’t let me down ever. Thanks so much RTI.

Shane Shehee

19:28 25 Nov 24

RTI played a crucial role in facilitating financing for a particularly challenging financial situation. After a number of lenders declined the opportunity due to the complexities involved, Tom and Tiara rose to the occasion, demonstrating exceptional skill, knowledge and commitment and effectively secured financing for a borrower facing financial difficulties.

Michael Micci

02:01 28 Sep 24

RTI is the best private lender that I've worked with for the last 5 years hands down! Robert, Tom, Tiara and their team deliver fast results with fantastic customer service. I always look to them first before anyone else and would highly recommend them to any broker, realtor, or investor looking to place a private money loan 🙂 Thanks RTI!!

Joanna Galindo

23:51 26 Sep 24

I have worked with Tom Gans and his team on several transactions a month for a few years now. He is thorough, direct, and will not string you along for any amount of time if a deal cannot be done. He will help if he can, and he will advise without delay otherwise. Great guy to know on a professional basis. Kind, quick and eager to assist. Definitely call him if you're thinking about a bridge loan. He is a longstanding professional - sure-footed and very knowledgable.

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We Fund California Real Estate Projects

RTI Bridge Loans, one of the most experienced direct hard money lenders in California serving Los Angeles and Orange County. We fund hard money loans to Real Estate Developers and Investors, regardless of the size or a challenge of the project, ranging from Bridge Loans, fix and flips to Private money Loans and commercial acquisitions. We provide quick approval and funding with competitive rates and reliable service through asset-based lending for various real estate projects and transactions.

Hard Money Loans Real Estate California

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Hard Money Lender Page Contents:

Phoenix, Arizona Hard Money Loans
Phoenix, Arizona Private Money Loans
Phoenix, Arizona Fix & Flip Loans
Why Hard Money Loans
Advantages of Hard Money Loans
Phoenix, Arizona Trends & Forecast 2025-2026
Why Phoenix, Arizona Is a Top Investment in 2025
Neighborhoods Phoenix, Arizona
What are the Cons of Hard Money Loans?
Different Types of Hard Money Loans
We are the Best Hard Money Lenders in Phoenix, Arizona
What You Need to Know about Phoenix, Arizona

Experience

Thanks to our decades of experience, we are able to provide the best hard money lending solution to real estate investors. Not only do our seasoned and experienced hard money lending officers focus on every aspect of your loan application, but we also help you provide the best type of hard money loans, according to your project.

Convenient and Fast Approval

When you choose us as your financial partner, RTI Bridge Loans provide quick and fast loans without leaving you waiting for approvals.

Funding for Unconventional Projects

Another benefit of hard money loans is that you can get instant funds for unique projects such as a fix and flip project or a renovation project. Since conventional financial institutions are not likely to fund these projects, hard money loans come in handy for such real estate deals.

RTI Bridge Loans Provides Hard Money Loans for Phoenix Real Estate Projects

Being an experienced hard money lending company in Phoenix, Arizona, RTI Bridge Loans provides you funds for all types of real estate investments and projects. Be it a commercial, residential, or flipping project, you get fast approvals through asset-based lending.

Phoenix, Arizona Hard Money Loans

RTI Bridge Loans offer several types of hard money loans in Phoenix, Arizona. If you are looking for hassle-free hard money loans from a reliable and credible lending service, we offer the best lending solutions at competitive rates.

Save yourself from long waiting periods and unexpected rejections to ensure that you receive funds within your desired period. Since RTI Bridge Loans are serving real estate investors in Phoenix, Arizona, for over three decades, we know the importance of receiving quick and easy funds.

If you want to know more about our services, get in touch with us. We will be happy to assist you with your hard money loan needs.

Phoenix, Arizona Private Money Loans

We are proud to serve real estate investors in Phoenix, Arizona and provide private money loans. Whether you want to purchase a new property or need finances for your next fix and fix and flip project, trust in our private money lending services to get a loan on easy terms.

Since private money loans are short-term loans, they can be a great way for your investment deal. If you want to benefit from the thriving Arizona real estate market, now is the best time to get a private money loan from RTI Bridge Loans in Phoenix, Arizona.

Phoenix, Arizona Fix & Flip Loans

One of the best ways to make easy and quick profits is through the fix and flip loans. You buy a property, renovate it, and sell it for a high profit. While this sounds nice and easy, getting the funds to carry out this project can be a challenge.

Since conventional banks are less likely to approve these loans, investors turn to hard money lenders for getting quick approvals. Once you sell off the property, you can repay the loan.

If you want to know more about fix and flip loans, contact us today.

Why Hard Money Loans

When you can’t qualify for conventional loans, and you have a bad credit score, the best way to receive funds is through a hard money loan. Unlike other financial institutions, hard money lenders keep your property as collateral, which means if you fail to repay the loan, the lender will sell off your property.

Let us help you get the best type of hard money loans for your real estate investment.

Advantages of Hard Money Loans

Here are some reasons why you should opt for hard money loans in Phoenix, Arizona.

Easy and Quick

No long waiting periods or tedious paperwork to qualify for a loan! When you contact a hard money lender, you don’t have to submit piles of information to acquire a loan. Professional hard money lenders like RTI Bridge Loans ensure that you get quick and easy approvals.

Flexible Loans

Conventional bank loans are not as flexible as private money and hard money loans. While every hard money lending service has some rules and regulations, these requirements are not as rigid as they are for conventional banks.

Contact our team today and get quick and fast approvals from RTI Bridge Loans.

Hard Money Lenders offer Financing for Unique Projects

What’s best about hard money loans is that you can use these loans for financing unique projects. For instance, when you have to borrow funds for a renovation or a flipping project, turning to a hard money lender saves you the trouble of facing rejections from a conventional bank. That’s because numerous financial institutions don’t consider them as legitimate reasons for loan applications.

Apart from that, a conventional financial institution doesn’t consider such loans because they are short-term loans. That’s why you need to collaborate with a hard-money lending institution for your financial needs.

RTI Bridge Loans has been providing loans for over three decades. If you are a real estate investor who wants quick and easy funds for your real estate projects, RTI Bridge Loans is the best option in Phoenix, Arizona.

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Phoenix, Arizona Hard Money Lenders: Trends & Forecast 2025-2026

As we look ahead to 2025-2026, the hard money lending landscape in Phoenix, Arizona, is poised for significant developments. Here’s an exploration of key trends and forecasts shaping this sector:

The Phoenix real estate market is projected to experience steady growth, with home prices expected to rise through 2025 and into early 2026. This upward trend presents lucrative opportunities for hard money lenders, as investors seek flexible financing solutions to capitalize on appreciating property values.

As we move into 2025, interest rates remain a central focus in the real estate industry. Rising rates can create challenges for traditional financing, making it harder for investors to secure the funding they need. This environment positions hard money loans as a viable alternative, offering flexible terms and faster approval processes.

The ongoing development in areas like Buckeye, which has transformed from a quiet farming town to one of the fastest-growing cities in Arizona, highlights emerging investment hotspots. Such rapid growth necessitates quick financing options, providing hard money lenders with opportunities to support investors targeting these burgeoning markets.

Despite the promising outlook, hard money lenders must remain vigilant of potential risks, including economic fluctuations and regulatory changes. Staying informed and adaptable is crucial to navigate these challenges effectively.

In summary, the hard money lending sector in Phoenix is set for growth, driven by evolving market dynamics, interest rate trends, and technological innovations. However, lenders and investors should remain vigilant of potential risks to capitalize on emerging opportunities effectively.

Market Trends & Statistics for Phoenix, Arizona | April, 2025

Median Sale Price (All Home Types)	$459,738 (+4.4%)
Median Days on Market (All Home Types)	28 days (March, 2025)
Number of Homes For Sale	5,275 (March, 2025)
Median listing home price per sq. ft	$285 (March, 2025)

Why Phoenix, Arizona Real Estate Is a Top Investment in 2025

Phoenix, Arizona, stands out as a premier real estate investment destination in 2025 due to several compelling factors. The city is experiencing a manufacturing resurgence, with significant investments like Taiwan Semiconductor Manufacturing Co.’s $65 billion chip fabrication complex. This development is attracting property investors interested in warehouses, hotels, office buildings, and apartments near these new manufacturing hubs.

Additionally, innovative projects such as Culdesac Tempe, a car-free mixed-use neighborhood, are redefining urban living and increasing property values. Furthermore, the rapid growth of areas like Buckeye, transitioning from a quiet farming town to a burgeoning city, presents lucrative opportunities for investors seeking to capitalize on the expanding housing market.

Top Neighborhoods for Real Estate Investment in Phoenix, Arizona

San Pedro, California, offers a variety of neighborhoods that present promising opportunities for real estate investment. Each area boasts unique characteristics, catering to diverse investor preferences.

1. Arcadia
2. Downtown Phoenix
3. Scottsdale
4. Tempe
5. Paradise Valley
6. Buckeye
7. Glendale

Best Neighborhoods to Invest in Phoenix, Arizona

What are the Cons of Hard Money Loans?

No type of financial loan comes without any disadvantages. That’s the case with hard money loans too. Here are some cons of getting a hard money loan

Let’s take a look at some of the cons of getting a hard money loan.

More Interest

You may end up settling for high interest rates between nine and fifteen percent as hard money lenders are providing you loans at a higher risk. But you can expect lower interest rates in places like Phoenix, Arizona, because of more competition.

Down Payments and Required Equity

Since hard money lenders overlook foreclosures, bankruptcies, and poor credit scores, they usually seek a higher down payment and solid equity. Many times, you may have to settle for a down payment of twenty to thirty percent of the loan as the lending service is taking a huge risk by lending you the loan.

Short-Term and Last Option

Hard money loans are not long-term loans. That means you have to repay them within six months or a year. Hence, many borrowers or investors consider them as a last resort. If you are ok with paying a higher down payment and higher interest rates, this short-term loan can be a great way to fund your real estate investment deal.

Different Types of Hard Money Loans

Several types of hard money loans are beneficial for funding different projects. Here are the most popular types of hard money loans that are available. You can get more information on how to get a loan without any trouble by getting in touch with our team. We at RTI Bridge Loans know how important it is to get quick and easy funding for your commercial real estate loan Phoenix, AZ, and residential real estate loan Phoenix, AZ.

Hard Money Loans

These short-term loans last from six months to a year. In case you fail to pay off this loan, the lending service can sell the collateral property.

Bridge Loans

As the name suggests, bridge loans let you bridge an old property with a new one. The loan allows you to make a move into a new place without first finding buyers for your property.

Fix and Flip Loans

These loans are great for purchasing a property, fixing it, and selling it for a profit.

We are the Best Hard Money Lenders in Phoenix, Arizona

RTI Bridge Loans provides easy, quick, and reliable loans in Phoenix, Arizona, to ensure you have the finances to fund your real estate project. Thanks to the thriving economy in Phoenix, AZ, the real estate industry continues to flourish at an exponential rate. As a result, there are more opportunities for making profitable real estate investments every year.

What You Need to Know about Phoenix, Arizona

For many of its 1.6 million inhabitants, living in Phoenix, Arizona, is a deliberate choice. The proximity to Grand Canyon and Las Vegas, along with low taxes, make Phoenix an ideal place for people to live. Another reason why real estate in Phoenix, Arizona, is thriving is that the place welcomes people from all walks of life.
If you want to invest in the growing real estate market of Phoenix, Arizona, contact RTI Bridge Loans for funding your next investment.