About Us

Michael Iuculano

Founder

Michael is one of the highest rated Alternative Lending Experts delivering nothing short of a world class experience. To many, he is the No Excuses Lender. Because if he cant get it done, it’s not getting done.

Michael and his family have been in Arizona for over 30 years and a leading mortgage industry professional for over 23 years. His excellent customer service and knowledge is 2nd to none.

About Hard Money Lenders Arizona

As the market continues to improve for both the residential and commercial real estate industries, there is an increasing demand for financing options. Hard Money Lenders Arizona offers a variety of new hard money loan programs for residential owner and non-owner occupied properties, fix and flips, rehab loans, short sales, trustee sales, REO purchases, cash out refinances, business investment properties, commercial loans, construction and land loans in the Phoenix Metro area.

Hard Money Lenders Arizona, based out of Phoenix, are private funders experienced in all aspects of real estate lending, ranging from refinancing, to fix and flip loans, to bridge loans. You as the customer will be quickly and efficiently provided with the financing you need from safe and trustworthy lenders. Mortgage Loan Originator, Michael Iuculano, personally has over 23 years of experience in the real estate lending market. Already established in Phoenix, this business venture of new loan programs has been a long time coming for the company, and has grown exponentially in the Phoenix marketplace. Iuculano’s goal is and always has been to help people thrive with their Arizona real estate projects. Iuculano has several extremely-reputable investment partners but is always willing to open the door to more.

Potential to receive hard money lending in Arizona falls back on certain criteria including but not limited to credit history, insurability and/or ability to provide property collateral. The company has been built on the foundation and mindset that just because an individual may have a poor credit score does not mean that they should be incapable of receiving lending or financing for any and all real estate or business purposes. All specialists employed with Hard Money Lenders Arizona are proficient in carrying this mentality out, in fast and efficient ways and provide customers with a plethora of knowledge on the above-mentioned loan programs.

"HIGHEST RATED ALTERNATIVE LENDING EXPERT IN AZ!"

WHY CHOOSE US?

We have over 23 years of experience and Customer satisfaction with :

The Fastest Funding

Our turnaround times from application submission to getting funds in your possession are faster than anyone else! It’s our top priority. Business purpose loans can even be processed in as little as 24 hours!

Effective Communication

We have a team of specialists that are the most professional and efficient in the area. They can give you information and answer questions at every step in the funding process. We center ourselves around the idea that communication is vital in hard money lending.

Proven Results

We are the only option you should consider for hard money lending because our business history and client feedback speaks for itself. We strive to make our clients extremely pleased with our services.

Arizona Locals

Based in Phoenix, Arizona means we know the area and market better than our competitors. When we learn about your goals we can connect you with your best option out of our local lenders to ensure your success.

Industry Veteran

Our history in the hard money lending world goes back 30+ years! We have seen every high and low point in the market so you can rest assured that we have the knowledge and diligence to get you funds ASAP.

Reliable

A lot of our business comes from referrals because we prove to be trustworthy, communicative, and all around reliable in the hard money lending process.

5-STAR RATED
PRIVATE MONEY LENDERS

Excellent

Hard Money Lenders Arizona

Based on 225 reviews

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Ann M.

ASHLEIGH S

Michael H.

5 Stars – The Best in the Business!

Michael Iucalano at Hard Money Lenders Arizona is hands down the best in the business. His slogan, “If We Can’t Do It, It’s Not Getting Done!” couldn’t be more accurate. Michael has built an incredible team of true professionals who are experts in their field.

What sets them apart is their obsession with speed, customer service, and delivering exactly what they promise. In a world where timing and trust matter, Michael and his team never miss. They make the process seamless, transparent, and fast—just what you need in the hard money space.

If you’re looking for a go-to team for hard money in Arizona, look no further. Michael Iucalano and his team are the real deal. Highly recommend!

Thanks Michael and team!

Luis R.

Matt was awesome , From the beginning to the End. Great customer service . 100 percent recommend.

Adleigh B.

Hard Money Michael knows his game inside and out. True player in the real estate industry with vast knowledge & even bigger & better network. He has been incredibly helpful to me & my partner and we couldn’t have done it without his help & expertise.

Kc M.

Austin is the best! Got my deal done fast and efficient. I’m a former tv personality from the hit tv series Gold Rush and now i traded in my pick to be a home flipper. Austin with Barrett made it possible.

Mark R.

Michael and Austin did a fantastic job. It was the easiest loan I ever received. These guys truly know this market. They are awesome!!

Pinnacle tax Services, LLC

Jason P.

I've been in this business for 25 years, and I can tell you Michael is one of the best when it comes to all things real estate. Whether it's traditional lending, hard money, or investment, he's got you covered.

Leonel C.

It was great working with Austin. He’s a great communicating and a very diligent worker. I would use him again.

Giselle R.

Michael and his team completed our deal incredibly quickly. We are extremely satisfied with the service they provided and highly recommend them!

Jen S.

Austin was incredible and saved our close!!! Super responsive and was able to get deal closed and funded in 5 days! Highly recommend and he is now our mortgage guy forever!

Mohamed E.

This review is for Austin, Austin I wanted to thank you for going above and beyond to make this work. I really wish you the best in your carrier. God bless you. BTW even if it didn't work out I still appreciate your effort

Bret K.

Michael is the man....VERY helpful and organized.

Benjamin M.

Absolutely fantastic to work with! Always responsive and helpful. The best hard money lender in AZ, closes fast and has a great passion for getting loans closed! Michael and his team are the best in the business!!

Justin V.

Michael took great care of my client I sent his way! It was a very complicated situation for a client in a bad spot and he jumped right on it and took care of them. He ran into a few hiccups during the approval process and didn't stop until he found a solution and got the deal done.

If Michael can't get the deal done, it's not getting done!

Juice J

Man. I'd hit a lot of closed doors and was losing hope, but then i found these guys. They were awesome and got the deal done more quickly and smoothly than i could have hoped. It was a great experience and Austin is awesome.

Krish S.

I needed a fast, hard-money lender in Arizona for a fix-and-flip. These guys were fantastic! Straightforward process, honest communication, and being super responsive throughout the closing. Highly recommend!

Emiliano Z.

It was quite easy to work with this hard money lender. They responded to all of my inquiries promptly and with remarkable responsiveness. made a difficult issue lot simpler. Strongly advise.

Marco L

The team at Hard Money Lenders made the entire process smooth and stress-free. They were responsive, knowledgeable, and truly cared about finding the best solution for our needs.

Shane R.

Five stars for Michael and his team. They closed our hard money deal for our client so smoothly and quickly, you’d think they used magic instead of paperwork. Efficient, communicative, and competitive. Highly recommend for a stress free hard money experience.

m H.

Michael and Lara were fantastic to work with. This was our first hard money deal and we had 30 days to close on our Mesa warehouse. We ended up closing in only 18 days, and only because we were delayed in getting proof of building insurance. They could have funded us in around 10 days which is crazy fast! Michael was super friendly, always available by phone, and helped explain and guide us through the entire process. It was smooth and fast from day 1. Entire underwriting process was easy and fast. This will be the first of many deals we'll do with them from now on, so we can make more competitive all cash offers. I really liked working with this group and highly recommend.

Harold P.

Worked directly with Michael and let’s just say the approval process exceeded my expectations as far as timing went and frankly the entire process.

The speed at which Michael’s team worked at allowed us to close the deal in less than 3 weeks.

Ready to make the next deal, let’s go!

Derrick G.

Brought one of my investors to Mike and he did an amazing job. Execution and knowledge was on par. Adjusted to a significant change with the COE and didn’t even hesitate. Great asset to have in your corner!!

Daniel P.

Working with Michael has been an extreme pleasure. Michael and his team are truly dependable, true to their word, and efficient, and performed in a manner that was quicker than expected. All requirements were met and we were able to close without delays.

I highly recommend everyone to work with Michael and his team and insist on working with Laura, Michael’s loan processor’ whom without her diligence, our loan probably would’ve been delayed.

Together they are an amazing team.

Ray S.

Best in the business...never would use anyone else. Professional and knowledgeable. Honest and informative.

geoffrey B.

michael was great. his entire team worked seamlessly together to get me funding in record time. a straight up and honest guy, hard to find in todays world. 100% would do business with him again.

Ryan M.

Michael is a winner! Work with him and he’ll for sure do his best to help you and your client close no matter how harsh circumstance becomes. My client now gets to keep his home because of a HardMoney loan. On to the next deal!

Brett H.

Amazing Experience w/ Michael. Very professional Speedy & detailed. Delivered on time & was very great with communication and process.

Sean C.

I had the pleasure of working with Michael to secure a loan for our home. He was able to gather our information, and close, record, and fund the loan within 10 days! the process was the least painful loan process I've experienced. The timing was perfect, we needed the good news and the great experience. Thanks again Michael we really appreciate it.

John B.

Michael is a pleasure to work with. He strives to make sure every aspect of the lending process is made clear and works hard to make sure things get taken care of ASAP.

Taylor S.

Michael gets it done! If there is a deal that has any obstacles, like one I was recently working, Michael is a true deal saver. Highly recommend.

Levi D.

Absolutely the best lender I have worked with thus far. Straightforward, efficient and personable. I will only be using this lender from now on!

Emily M.

We had a wonderful experience with Michael Iuculano. The process for our loan was only about 2 weeks start to finish. They found us the perfect lender for our project with terms that were agreeable to all parties. He was super responsive to all of our questions and understood what we needed from the beginning. We will definitely be working with him again!

Jacque M.

Michael was amazing! He closed my transaction in three and a half weeks without any hiccups. Diane Chamberlin, his assistant, was also extremely helpful and expedited the process. I would highly recommend!

Greg L.

Easy process and quick turnaround. Mike and his team made it easy.

Osiel A.

Tim D.

All I have to say is that Mike is well known and I’ve worked with him in the past, as well. He will get it done. In this case we had 48 hours. He got it out and signed in 24 hours, from the time I brought it to him. Saved customers house. Fantastic job, Mike.

David R.

I read Michael's ad in a home buying magazine and after having two other loan "order takers" just give up, I decided to give him a call. Best thing I could have done. Working with Michael is such a great relief because he gets that not every loan is some "cookie cutter, fit the formula" type of transaction. He takes the time to ask questions and find out what the goal of the loan is. In my case it was to unlock equity in other properties so I could better leverage my rentals. Michael had the knowledge and contacts to get my loan completed, and offered a few different solutions .

Michael's assistant Lara made sure everything got done right, and on time. She is great to work with, and responded quickly to any question I had. Together they make a great team and I look forward to working with them in the future.

Sean M.

Michael Luculano and his team are nothing short of miracle workers in making a complex deal easy.

My wife and I were recently visiting Scottsdale for her birthday and had decided to look at a few homes. Nothing immediate, just getting ideas for the future. Then on the last day we run into the perfect new construction home, only problem is we weren't prepared to buy. Most of our long-term funding was tied up in our home back in Oregon and to complicate things further, the seller had another cash offer on the table and a ridiculously fast 3 week closing requirement to secure the property.

So, we took a leap of faith and called Hard Money Lenders with Barrett Financial and got Michael on the phone. That quickly took us from an impossible deal to closing on our new home in record time. Michael clearly communicated all the terms and numbers up front. And being such a rapid deal with a large amount of escrow on the line, he personally checked in with us daily.

We have worked with a lot of great people in the real estate and mortgage industries for over 30 years and have to say that Michael is one of the top professionals we have ever met. A true expert in mortgage and bridge loans / private lending. Even better, it was clear to us every day that Michael truly cares about his clients. Best phone call we could have ever made.

Thank you, Michael and Lara, for helping us make this North Scottsdale dream a reality!

Steven S.

I had a great experience working with Michael. He was quick, communicative, and professional. The whole process was easy and I got my funding very fast.

Cindy D.

Excellent service! Michael was able to close our loan at a lower interest rate than originally quoted, as an added benefit to the already pleasant experience of working with Michael & his team. We closed ahead of time, no suprises, no drama, just positive results. The professional, dedicated staff was impressive as well. For positive results, this should be your mortgage choice.

Darlene L.

Mike was so very helpful in getting a loan for my new house! THANK YOU!

saleh abd al H.

Michael, thank you so much you made this process so easy, I really appreciate it so much
Saleh.

wyatt A.

Recently used Mike for an investment purchase. Everything went smoothly. All fees were disclosed up front and matched at closing. Definitely using them again!

John H.

Micheal my guy straight handled business in a timely fashion I like to say thanks to you and your staff . Highly recommend

Sabria W.

Pleasant experience very professional and simply gets the job done, I look foward to our next deal.

Doug

Awesome lender that made things really simple to work with. Went above and beyond to get us a higher LTV than most of the other well-known lenders and had a quick close. Highly recommend using them!

Steven R.

Working with Michael was an absolute pleasure. I have done a lot of real estate transactions over the years and appreciate it when someone cares about their customer and getting the deal done on time and at the terms I was quoted. There are many bait and switch lenders out there but Michael and his team were always available when I had a question and when a potential issue popped up he was on it even while on vacation to get it resolved. That’s the type of service I expect and appreciate. Highly recommend if you’re looking to finance a deal.
Steven

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