Hard money loans in Phoenix, AZ
Hard money is short-term, asset-based financing when a bank construction or conventional file will not move on the timeline you have. Giancarlo Anduray (NMLS 1537433) uses it for Phoenix and Glendale investors who need speed against the property — not a 30-year agency note.
This is a work-order program page, not a Fix & Flip leftover. If the build fits a permanent construction loan, use construction instead.
What hard money is
A short-term loan secured by the property, underwritten primarily on value, exit, and experience. Rates and points are higher than agency mortgages because the product is speed and leverage, not 30-year pricing.
Who it is for
Investors buying or rehabbing in Phoenix and Glendale who cannot wait on a conventional or construction underwrite. Occupancy as a primary residence is usually the wrong fit — we will say so.
Hard money vs construction
Construction (agency / Non-QM) is the permanent-build path. Hard money is the bridge. We do not keep a separate Fix & Flip URL; that conversation lives here or on construction, depending on the exit.
What we underwrite
After-repair value, current value, experience, and a real exit (sale, refinance, or DSCR). See Non-QM if the takeout is bank statement or DSCR.
Tax angle
Interest, hold period, and whether you occupy or sell change the return. Mi Casa Tax Advisors is part of that file.
Valley NAP
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031. Mon–Fri 8:00 AM–7:00 PM, Sat 9:00 AM–1:00 PM. Not Goodyear.
Hablamos Español
Bilingual EN/ES. Same advisor.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.