Hard Money Loan Service

Fast, Easy, and Reliable Loan Source

 HMLS is specialty lender providing “hard money” (private investment capital) for Arizona professionals who require rapid credit decisions, personal service, “common-sense” underwriting, and guaranteed, on-time funding.  Its principals have been lending in Arizona since 1993, and built a reputation in the professional community by providing the highest degree of service to our clients. 

Our primary focus is lending to professionals for investment purposes, including:


  • Fix and Flip
  • Longer-term Holds of Rental Properties
  • Construction Loans
  • Commercial Real Estate Loans
  • Trustee Sales
  • Commercial Bridge Loans to stabilize a property before refinance

We also have ability to help with:


  • Owner Occupied Purchase & Refinance Loans
  • Bridge Loans to buy a new home before the old home is sold

We want to be your “go-to” source for your next private-money loan.