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HD Lending

HD Lending

Phoenix
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HD Lending

Phoenix, Arizona
(480) 688-8686
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

HD Lending is a Phoenix-based hard money lender specializing in hard-to-place real estate loans throughout the State of Arizona. As a licensed Arizona mortgage broker (MB # 1041017, NMLS # 2335096), HD Lending serves the full spectrum of real estate investors and borrowers - from first-time flippers to experienced developers - across all Arizona markets, from Phoenix and Tucson metro to rural markets like Flagstaff, Prescott, Sedona, Payson, Lake Havasu City, and Yuma. HD Lending is known for its asset-based underwriting with no minimum FICO requirement, acceptance of foreclosure and recent bankruptcy situations, manufactured homes, land, commercial properties, and cross-collateralization. With funding in as little as 3-5 days and terms up to 30 years, HD Lending fills the gap when banks say no.

Key Differentiators

Why investors choose this lender:

  • "When the bank says no" — hard-to-place loan specialist; no minimum FICO, foreclosure OK, recent bankruptcy accepted with zero waiting period
  • Construction completion loans — lends on partially built projects that most lenders won't touch
  • STR and Airbnb properties accepted — key advantage for Arizona's vacation rental markets (Scottsdale, Sedona, Flagstaff, Pinetop)
  • Manufactured homes, land, and commercial — broadest collateral acceptance of any Arizona local lender
  • Full Arizona statewide coverage — including rural markets most lenders skip (Payson, Show Low, Lake Havasu City, Yuma, Page)
  • Terms up to 30 years — long-term financing available alongside standard short-term hard money programs

Where They Lend

Local
Arizona (Statewide)
HD Lending lends throughout the entire State of Arizona. Active in all major metros (Phoenix, Tucson, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Peoria, Glendale, Surprise, Avondale, Goodyear) and rural markets statewide (Flagstaff, Prescott, Sedona, Payson, Pinetop, Show Low, Lake Havasu City, Yuma, Page, Globe, Wickenburg, and more).

Loan Types, Structures and Terms

$10,000 to $1,000,000+
Typical Loan Amounts
Up to 12 Months (Short-Term)
Typical Terms
Contact for Rates
Typical Interest Rates
Contact for Fees
Typical Points
HD Lending offers Fix-and-Flip (90% LTP, 100% rehab), Short-Term Bridge, New Construction, and DSCR Rental loans throughout the State of Arizona. $10K to $1M+. No minimum FICO. Cross-collateralization accepted. All Arizona markets including rural.
Fix-and-Flip
New Construction
Rental (DSCR)
Short-Term Bridge
HD Lending Fix-and-Flip loans fund up to 90% of purchase price and 100% of rehab costs for Arizona investors statewide, with no minimum FICO, no experience required, and funding in as little as 5-7 business days.
Fix & Flip FeatureStructure & Terms
Project TypesSFR, townhomes, condos, manufactured homes, 2-4 units, and multifamily (4+ units) throughout the entire State of Arizona. Fix-and-flip, rehab-to-sell, and rehab-and-hold projects. All Arizona markets: major metros and rural markets statewide. No minimum FICO. No experience required. Foreclosure OK, recent bankruptcy OK.
Loan Limits & Terms$10,000 to $1,000,000+ | Interest-only available | Underwriting based on After Repair Value (ARV) | Fast approvals and fundings in as little as 5 to 7 business days
Rates & FeesCompetitive with Phoenix/Arizona hard money market. Contact HD Lending directly for current rate quote. No minimum FICO required. No income check for investment properties. Minimal documentation. Asset-based underwriting based on property value and ARV.
Leverage RatiosUp to 90% of purchase price funded | Up to 100% of rehab costs funded | Max LTV varies by deal and collateral type - recent funded deals show LTV ranges from 47% to 65% on acquisition | Cross-collateralization accepted across multiple properties for added leverage
Draw Process100% of rehab costs funded via draw schedule. Fund in as little as 3-5 business days. Local Arizona team reviews draws. Use FlipperForce to model your rehab budget and scope before applying. Track live project cost variance in FlipperForce's Project Budgeter to keep your flip on budget.
Key AdvantagesNo min FICO. No experience required. 5-7 day close. 100% rehab funding. Cross-collateral available. Foreclosure and bankruptcy OK. Serves ALL of Arizona - rural and metro markets. Manufactured homes accepted. Local Phoenix team with deep Arizona market knowledge. Fast approvals. Licensed: NMLS # 2335096.
HD Lending New Construction and Construction Completion loans finance ground-up builds and partially completed projects throughout Arizona, with no minimum FICO, cross-collateralization accepted, and funding in as little as 3-5 days.
Construction FeatureStructure & Terms
Project TypesGround-up new construction and construction completion loans for residential and commercial projects throughout the State of Arizona. SFR spec homes, townhomes, multifamily builds, commercial construction. Construction Completion loans also available for partially completed projects. Statewide coverage including rural AZ markets.
Loan Limits & Terms$10,000 to $1,000,000+ | Interest-only option available up to 12 months (non-owner occupied) | Fully amortized terms also available up to 30 years | Fast funding in 3-5 business days | Recent funded example: $395,000 construction loan in Prescott, AZ at 65% of completion value
Leverage & ValuationLoans based on completion value (ARV) and total project cost. Recent funded construction deals show LTV of approximately 65% of completion value. Cross-collateralization accepted to maximize leverage across multiple Arizona properties. No minimum FICO required.
Construction CompletionConstruction Completion loans available for projects that are already partially built and need capital to complete. This is a niche HD Lending capability that most conventional and national lenders do not offer. Ideal for inherited projects, stalled builds, or investor takeovers of incomplete properties.
Key AdvantagesNo minimum FICO. Construction completion loans available. Statewide Arizona coverage including rural markets. Fast 3-5 day funding. Cross-collateral accepted. No experience required. Lend on residential and commercial construction. Local Phoenix-based team understands Arizona's building and permit market.
HD Lending Rental Property loans provide short and long-term financing for Arizona investment rental properties - SFR, multifamily, short-term rentals, and Airbnb - with no minimum FICO, no seasoning requirement, and statewide Arizona coverage.
Rental Loan FeatureStructure & Terms
Property TypesSFR, townhomes, condos, manufactured homes, 2-4 units, multifamily (4+ units) throughout Arizona. Short-term rentals (STR) and Airbnb properties accepted. Long-term traditional rentals. Cash-out refinance and investment refinance for stabilized rental properties. No minimum FICO. No seasoning requirement.
Loan Limits & Terms$10,000 to $1,000,000+ | Short-term and long-term loans up to 30 years | Interest-only available up to 12 months (non-owner occupied investment) | Fully amortized options available | Cash-out refinance and debt consolidation accepted
QualificationNo minimum FICO required. Asset-based underwriting based on property value and rental income. No seasoning requirement. Foreclosure OK. Recent bankruptcy OK (no minimum time post-discharge). Self-employed accepted via bank statements. No W-2s or tax returns required for investment rental loans.
STR / AirbnbShort-term rental and Airbnb properties accepted - a key differentiator for Arizona investors given the state's strong vacation rental and tourism markets (Scottsdale, Sedona, Flagstaff, Pinetop, Lake Havasu City). HD Lending's Arizona market knowledge provides an advantage over national lenders when underwriting STR income in these markets.
Key AdvantagesSTR/Airbnb accepted. No minimum FICO. No seasoning. Cross-collateralization available. Cash-out and debt consolidation refinances accepted. Long-term loans up to 30 years. Fast 3-5 day funding. Statewide Arizona coverage. Use FlipperForce's BRRRR Analyzer to model your BRRRR exit before applying for HD Lending's rental loan.
HD Lending Bridge loans provide short-term acquisition and transitional capital for Arizona real estate investors at all experience levels, with no minimum FICO, foreclosure and bankruptcy OK, cross-collateralization accepted, and statewide AZ coverage.
Bridge Loan FeatureStructure & Terms
Use CasesShort-term bridge loans for investment purchases, refinances, cash-out transactions, debt consolidation, and transitional holds throughout Arizona. Bankruptcy bailout financing, foreclosure bailout, and recently-foreclosed properties all accepted. Purchase and refinance for investment and second homes. No seasoning requirement. Cross-collateralization accepted.
Property TypesSFR, townhomes, condos, manufactured homes, land, 2-4 units, multifamily (4+ units), commercial (industrial, retail, office, mixed-use, special purpose). All across Arizona including rural and secondary markets. Vacant and occupied properties.
Loan Limits & Terms$10,000 to $1,000,000+ | Interest-only available | Terms up to 12 months for short-term bridge | No minimum FICO | No seasoning requirement | Foreclosure OK | Recent bankruptcy OK (no minimum time post-discharge) | Fast funding in 3-5 business days
LeverageAsset-based underwriting - LTV determined by collateral value. Recent funded bridge deals show LTV ranges from 47% to 65% of property value. Cross-collateralization across multiple Arizona properties accepted for additional leverage. Rates competitive with Arizona hard money market - contact HD Lending for current quote.
Key AdvantagesNo minimum FICO. Foreclosure and recent bankruptcy accepted. No seasoning. Cross-collateral. Manufactured homes and land accepted. Commercial bridge loans. Statewide Arizona coverage. Fast 3-5 day funding. Local Phoenix-based team with deep market knowledge across all 15 Arizona counties.
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
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Borrower Qualifications (Are you qualified?)

HD Lending uses asset-based underwriting with no minimum FICO, no experience requirement, and minimal documentation. Foreclosure and recent bankruptcy accepted with no minimum wait time. Cross-collateralization accepted. Self-employed borrowers accepted via bank statements. Arizona statewide.
Qualification ParameterLender Requirements
Experience LevelsAll Levels Accepted - No Experience Required. HD Lending evaluates the asset and repayment ability, not borrower experience history. First-time investors are welcome. Local Phoenix-based team provides guidance throughout the lending process.
Credit RequirementNo Minimum FICO Score Required. Underwriting is asset-based - lending decisions are made on the value of the real estate collateral, not borrower credit. Foreclosure OK. Recent bankruptcy OK (must be dismissed or discharged - no minimum time required after discharge). No seasoning requirement.
Income VerificationMinimal Financial Documentation. Repayment ability must be shown for non-investment programs. Self-employed borrowers accepted via bank statement loans. No W-2s or tax returns required for investment property loans. Bank statement loans available for self-employed borrowers who cannot provide traditional income documentation.
Entity & StructureIndividual and entity borrowers accepted. Cross-collateralization accepted for deals requiring additional leverage across multiple properties. No seasoning requirement. Licensed: MB # 1041017, Company NMLS # 2335096, MLO NMLS # 211940. Arizona only.

Underwriting Process (How long will it take to get approved?)

Asset-based underwriting with no minimum FICO, no experience required, and minimal documentation. Foreclosure and recent bankruptcy accepted with no minimum wait time. Cross-collateralization accepted. Fund in as little as 3-5 days. Licensed NMLS # 2335096.
Stage / RequirementProcess & Timelines
ApplicationApply online or in person at HD Lending's Phoenix location. Brief deal summary and property details required. No minimum FICO score required. No income verification for investment loans. Self-employed borrowers accepted via bank statement documentation. Minimal financial documentation - repayment ability must be demonstrated for owner-occupied programs.
Property ValuationAsset-based underwriting focused on property value and ARV. Foreclosure OK. Recent bankruptcy OK (no minimum time after dismissal or discharge). No seasoning requirement. Cross-collateralization across multiple AZ properties accepted. Manufactured homes, land, and commercial properties all accepted as collateral - broader than most Arizona hard money lenders.
Speed to CloseFund in as little as 3-5 business days on standard deals. Fix-and-flip closings in 5-7 business days. Fast approvals driven by direct asset-based underwriting - no committee delays or conventional bank review processes. Local Phoenix-based team coordinates directly with Arizona title companies.
Licensing & DocsLicensed Arizona mortgage broker: MB # 1041017 | Company NMLS # 2335096 | MLO NMLS # 211940. Minimal documentation for investment loans. Bank statement loans available for self-employed. No W-2s or tax returns required for non-owner occupied investment programs. Individual and entity borrowers accepted.

Draw Process (How long will it take to get draws?)

HD Lending funds construction draws as part of its renovation and new construction programs throughout Arizona. Fast approvals with funding in as little as 3-5 days. Cross-collateralization accepted. Statewide coverage including rural AZ markets. Use FlipperForce to coordinate your project schedule and draw requests.
Operational StepMethodology & Timelines
Draw SystemHD Lending funds construction renovation budgets through a draw schedule on fix-and-flip and new construction loans. Up to 100% of rehab costs funded on qualified fix-and-flip deals. Construction completion loans also available for partially built projects. Cross-collateralization accepted across multiple Arizona properties to maximize leverage on larger rehab budgets.
Inspection MethodLocal Phoenix-based team conducts property evaluations and draw reviews. HD Lending's local market expertise across all Arizona metros - including rural markets like Flagstaff, Prescott, Payson, and Lake Havasu City - enables faster draw review decisions than out-of-state lenders using third-party inspection services.
Funding TurnaroundFund in as little as 3-5 business days. Fast approvals driven by asset-based underwriting - no credit committee delays. Use the FlipperForce Scheduler and Project Budgeter to coordinate contractor phases and track real-time budget variance around HD Lending's 3-5 day funding window.
Arizona CoverageHD Lending serves the entire state of Arizona - from major metros (Phoenix, Tucson, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Peoria, Glendale) to smaller markets (Prescott, Sedona, Flagstaff, Yuma, Lake Havasu City, Show Low, Payson, Pinetop, and more). Manufactured homes, land, and commercial properties accepted in addition to standard residential.