Prevent a Foreclosure in Arizona

Stop foreclosure and access fast foreclosure prevention loans in Arizona when traditional lenders say no. We provide asset-based hard money loans that let you tap into your home’s equity and secure the funds you need to catch up on payments and stay in your home. Our streamlined approval process focuses on property value, not credit challenges, so you can move quickly before it is too late. Get real solutions from a trusted Arizona hard money lender.

Traditional Options to Stop Foreclosure

Traditionally, you have several options that may allow you to stop foreclosure and/or improve your overall financial position enough to be able to afford your mortgage. These options include:

HMLAZ

Refinancing

If your home mortgage payment is your largest expense, refinancing for a longer term and a better interest rate can help you to lower your monthly payments. Alternatively, if you have a substantial amount of equity in your home, you may also be able to use a cash-out refinance to take advantage of some of this equity and pay your other debts. However, qualifying for a refinance loan is similar to qualifying for your initial mortgage. You will have to jump through a number of hoops, showing that you have good credit and reliable income. The process is lengthy, and your new mortgage will not be approved if you cannot meet every requirement.

Borrowing on a home equity line of credit

If you have equity in your home, borrowing on a home equity line of credit is one of the best ways to get extra money, pay it back at a fair interest rate and improve your financial position. However, as with a refinance, qualifying for a home equity line of credit is not always easy. You will need to have a decent credit score, a good credit history and the ability to verify your income. If you cannot meet these requirements, it is unlikely that you will be able to qualify for a home equity line of credit.

Getting a personal loan

Getting a personal loan is one option that allows you to take out some extra cash and pay it back over time. However, if your credit is poor and/or you can’t verify substantial income, qualifying for a personal loan may be difficult or even impossible. If you do qualify for a personal loan with poor credit, your interest rate will likely be high.

Using credit cards

If you have good enough credit, you may qualify for credit cards that you can use to cover excess bills temporarily. However, credit cards come with extremely high interest rates, and it is all too easy to accumulate debt. Using credit cards may even worsen your financial situation in the long run and is rarely recommended to anyone experiencing serious financial problems.

Filing bankruptcy

Filing bankruptcy can stop the foreclosure process, and your home may even be considered an exempt asset for the purposes of bankruptcy. However, you may still end up losing your home in the end if you cannot afford to bring your loan current and resume your payments when the bankruptcy ends.

Contact Hard Money Lenders Arizona anytime, to speak with one of our very helpful and highly knowledgeable loan specialists about your property investment funding in Arizona

Excellent

Hard Money Lenders Arizona4.8

Based on 238 reviews

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Rick S.

5 days ago

Tony Orow was excellent to work with. I had years of construction experience but was just starting my own company, and he helped me secure 100% construction financing on a difficult loan. He was patient, responsive, respectful, and always had my best interests in mind. I would absolutely recommend Tony and plan to continue working with him for years to come.

Response from the owner:Thank you, Rick, for the glowing review. We are thrilled Tony was able to help you secure construction financing and that his patience, responsiveness, and respect made the process easier. Congratulations on starting your company, and we truly appreciate your recommendation. We look forward to continuing to support you in the years ahead.

Amy

5 days ago

We had such a great experience working with this company. Everyone we interacted with was professional, helpful, and genuinely easy to work with, which made the entire process feel smooth and straightforward. Tony Orow in particular was fantastic. He was incredibly helpful, knowledgeable, and always willing to go the extra mile to make sure everything was taken care of. We really appreciated his communication and the way he made us feel like we were in good hands throughout the process. We would absolutely recommend this company, and especially Tony, to anyone looking for a great lending team.

Response from the owner:Thank you so much for your kind words, Amy. We are thrilled to hear that Tony and the team made the process smooth and that his communication and dedication stood out. We will be sure to share your praise with Tony and the rest of the team. We appreciate your recommendation and are glad you felt in good hands throughout the process.

Michael L.

2 weeks ago

Michael took great care of my loan. having him do 2 more as we speak. very responsive. amazing team

Response from the owner:Thank you Michael for the fantastic review. We're thrilled our team was responsive and took great care of your loan, and we appreciate you trusting us with two more. We'll share your praise with the team and look forward to continuing to support you.

david R.

3 months ago

Michael understands how to get deals done. He has been an amazing resource and helped through both good and bad times. When I first started working with him 5 years ago, he was a lender. Now he is a trusted partner and friend. You will never do better than Michael

Response from the owner:David, thank you for the kind words and the five-star review. I’m grateful for your trust over the past five years and honored to have been part of both the wins and the challenges. Building lasting partnerships and being a dependable resource is exactly what I aim for. I look forward to continuing to support you and helping get deals done.

Moe H.

3 months ago

Michael is an absolute beast when it comes to getting deals done. We needed an assist on a big deal and he executed flawlessly. 5 business day close. Can’t beat that!

Response from the owner:Moe, thank you for the fantastic review. We’re thrilled Michael could step in and execute a flawless five-business-day close. We’ll pass your praise along to him. We appreciate your trust and look forward to helping on future deals.

Austin L.

3 months ago

Over the course of roughly 6 months, we searched high and low for different lenders with unfilled promises and costly delays UNTIL we found Michael and his team. This experience was dramatically different than any other we had previously had, in the best way! These guys are prompt, Move quickly and genuinely Have your best interest in mind. We are tremendously grateful for the support they provided.

Response from the owner:Thank you, Austin, for the fantastic 5-star review. We're so glad Michael and the team could provide the prompt, trustworthy service you were looking for after a difficult search. Hearing that our support made a real difference means a lot to us. Please reach out anytime if you need anything else.

Curtis H.

3 months ago

MICHAEL did an amazing job of helping my client basically save her from foreclosure by enabling her to reset her inherited home. A complex situation made easy. So appreciative!

Response from the owner:Thank you, Curtis, for the wonderful review. We’re thrilled Michael could help your client avoid foreclosure and navigate the inherited-home reset. We appreciate your trust and are grateful for the opportunity to assist in such a complex situation. Please let us know if we can help with anything else or future referrals.

Chris A.

3 months ago

Michael was great to work with. Lightning fast response and action to ultimately get the deal done! Very responsive and sharp! Sent him a deal right around the holidays when things were hectic and he still executed to get the deal done within the timeframe!

Response from the owner:Thanks so much for the kind words, Chris. We're thrilled Michael was able to respond quickly and close the deal even during the busy holiday period. We appreciate you trusting us with the opportunity and will pass your feedback along to Michael. Looking forward to working together again.

melamed K.

6 months ago

Jerry B.

8 months ago

Top-tier service from Michale and his team, fast approval, and no surprises. Couldn’t have asked for a better lending partner.

STEVE A.

11 months ago

What an impressive group of professionals! Thanks to this team, I have the working capital needed to grow my business.

Response from the owner:Thank you for your kind words, Steve! We're thrilled to hear that our team has been able to support your business growth. Your success is our priority, and we appreciate your trust in us. Looking forward to continuing our partnership!

Cherraine A.

11 months ago

I cannot say enough how much I appreciate Michael and his team for making the process seamless. I would definitely recommend them to get the job done!

Response from the owner:Thank you so much for your kind words, Cherraine! We're thrilled to hear that you found the process seamless and that Michael and the team met your expectations. Your recommendation means a lot to us, and we look forward to serving you again in the future.

Safinaz

12 months ago

Ashleigh was amazing! She helped me every step of the way and kept me informed of what was happening throughout the entire process. She worked very hard on my loan and made sure she made it happen! She's very professional and a pleasure to work with. I highly recommend Ashleigh at Hard Money Lenders Arizona!

Response from the owner:Thank you for your wonderful feedback! We're thrilled to hear that Ashleigh provided you with exceptional service and support throughout your loan process. Your recommendation means a lot to us, and we're proud to have team members like Ashleigh who are dedicated to their clients. We look forward to assisting you again in the future!

Maimar S.

12 months ago

Great service; definitely won me over and will be a returning customer. Ash Sesi helped with my loan fast and efficiently. Thank you Ash!!!

Response from the owner:We're thrilled to hear about your positive experience! Thank you for your kind words and for recognizing Ash Sesi's efforts. We're looking forward to serving you again in the future! Your satisfaction means a lot to us.

Karen W.

12 months ago

MJI Capital does a great job for their clients.

Response from the owner:Thank you, Karen, for your wonderful feedback! We're thrilled to hear that you're satisfied with our services at MJI Capital. We always strive to provide excellent support to our clients. Your kind words motivate us to keep up the great work. We look forward to continuing to serve you!

Sterling Gatewood I.

12 months ago

This hard lender was very easy to work with. My deal was extremely difficult to fund and they were able to get me an approval in 24 hours and were ready to close in less than 7 days. I will be using them in the future.

Response from the owner:Thank you for your fantastic review, Sterling! We're thrilled to hear that you had a positive experience with our team and that we could help you secure funding so quickly. Your satisfaction is our top priority, and we look forward to working with you on future deals. Your trust in us means a lot!

Ann M.

1 year ago

Response from the owner:Thank you for the fantastic five-star rating! We're thrilled to see that you had a great experience. Your support means a lot to us, and we look forward to serving you again soon.

ASHLEIGH S.

1 year ago

Response from the owner:Thank you for your 5-star rating! We appreciate your support and look forward to serving you again.

Michael H.

1 year ago

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!

Response from the owner:Thank you for your fantastic review, Michael! We're thrilled to hear that you had such a positive experience with Michael Iucalano and our team at Hard Money Lenders Arizona. Your recognition of our commitment to speed, customer service, and reliability means a lot to us. We strive to make the process as seamless as possible, and we're glad we could meet your expectations. We truly appreciate your recommendation and look forward to serving you again in the future!

Luis R.

1 year ago

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

Response from the owner:Thank you for your wonderful feedback, Luis! We're thrilled to hear that Matt provided you with excellent service throughout your experience. Your recommendation means a lot to us, and we look forward to serving you again in the future.

Kc M.

1 year ago

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.

Response from the owner:Thank you for your fantastic review! We're thrilled to hear that Austin provided you with fast and efficient service. It's great to see you transitioning from TV to home flipping, and we're glad we could assist you in that journey. Your success is our priority, and we look forward to supporting you in the future!

Mark R.

1 year ago

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

Response from the owner:We greatly appreciate your positive feedback, Mark! We're thrilled to hear that Michael and Austin made your loan experience seamless and efficient. Our team's knowledge of the market is something we take pride in, and it's wonderful to know it made a difference for you. Thank you for choosing Pinnacle Tax Services, LLC!

Jason P.

1 year ago

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.

Response from the owner:Thank you so much for your kind words, Jason. We truly appreciate your recognition of Michael's expertise in real estate. It's always our goal to provide the best service possible, and we’re thrilled to hear that you had such a positive experience. Your support and trust in us mean a lot.

Leonel C.

2 years ago

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

Response from the owner:Thank you for your positive review, Leonel! We're glad to hear that Austin made your experience great with his communication and diligence. We look forward to working with you again!

Giselle R.

2 years ago

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

Response from the owner:Thank you for your wonderful feedback, Giselle! We're thrilled to hear that you were satisfied with our team's quick service. Your recommendation means a lot to us, and we look forward to assisting you again in the future!

How a Hard Money Loan Can Help

When none of the above solutions are appropriate, you may feel like you have no good options. You may think foreclosure is inevitable and that you should just let it happen. Alternatively, you may decide that your only choice is to put your home on the market and hope for the best. However, another option may be available.

A hard money loan can give you the cash you need to pay your excess bills without losing your home. This can stop foreclosure, allowing you to remain in the home you love. In addition, with the cash you need in-hand, you will be able to get rid of the financial burdens that are weighing you down so you can enjoy a better financial situation in the future.

A hard money loan can also be helpful in situations where your home is not in danger of foreclosure but you need cash for another reason. For example, if you need to have an expensive medical procedure but you cannot qualify for funding from another source, a hard money loan can get you the cash you need without forcing you to sell your home.

When Is a Hard Money Loan Appropriate?

A hard money loan may be an appropriate option if you are a homeowner struggling with a difficult financial situation that could be resolved with some extra cash. A hard money loan may also be a good option if you need some extra cash and you can’t qualify for a cash-out refinance or a home equity loan.

To qualify for a hard money loan, you must own your home. Renters cannot use this type of financing. In general, hard money loans are most appropriate for home owners who also have a significant amount of equity in their property, ideally at least 50 percent. Using the money from your hard money loan, you will be able to get your finances back in order quickly and move on with your life.

How Hard Money Loans Work

A hard money loan allows you to get the extra cash you need without resorting to the permanent sale of your home. If you choose to do a hard money loan instead, you will temporarily sell your home to the lender for a fair amount. The sale will include a detailed agreement with a specific timeline and payment schedule that will allow you to buy the home back at a predetermined price. During this time, you will be able to stay in your house even though you are not the legal owner. When you are struggling financially, this gives you the time and resources you need to recover without giving up your home.

At the end of the timeline, you will recover ownership of your home as long as you have met all payment requirements. However, if you are not able to pay off the loan and purchase your home back in the amount of time specified by your agreement, the lender will become the home’s legal owner.

Hard Money Loans with Hard Money Lenders Arizona

Choosing to take out a hard money loan from Hard Money Lenders Arizona is one of the easiest ways to get extra cash and rebuild your finances. When you work with our company, we will purchase your home for a fair price in “as is” condition. You will receive the funds within days of signing the agreement, allowing you to begin your financial recovery as quickly as possible. We have designed the process to be simple and painless so you can get nearly immediate financial relief with minimal effort.

Many homeowners who utilize our hard money loans have no trouble paying off the loan in time and recovering ownership of the home. However, if you are unable to repay the loan by the specified period of time, Hard Money Lenders Arizona may still be able to help you. Although we will become the legal owners of your property, we are often able to rent these properties back to the original owner so they can stay in the house they love.
Our process is straightforward and easy to understand. Unlike a traditional mortgage loan or refinance, we will not drag the process out for weeks or months, asking you to provide mountains of documents to support your ability to repay the loan. Instead, you can have the cash you need to begin rebuilding your finances quickly and with very little effort on your part.

Some of the specific benefits of a hard money loan from Hard Money lenders Arizona include:

No stringent income verification

Hard Money Lenders Arizona will not require you to meet unreasonable income verification requirements. Even if you cannot document enough income to qualify for a traditional mortgage, you can still get a hard money loan.

Poor credit is okay

Most lenders require you to meet minimum credit score guideline and explain any negative entries on your credit report. Hard Money Lenders Arizona will not subject you to this requirement. Even if you have a low credit score, you can still qualify for a hard money loan.

A shorter process

When you need money to pay your bills and avoid foreclosure, the last thing you want to do is wait on a lender. We move quickly so you can get access to the funds you need fast.