Not So Hard Money

[Total: 15    Average: 3.7/5]

nshPhone: 877-589-7533

Address: 935 E Main St Ste 102, Mesa, AZ 85203



States They Lend In: Texas, Utah, Arizona, Nevada, Colorado, New Mexico


Arizona Private Money


The original Not So Hard MoneyTM Lender and the oldest private money lender in Arizona! For over 60 years our parent company, American Savings Life Insurance Company has been making Not So Hard Money loans. We lend in the 6 Southwest states of AZ, CO, NM, NV, TX, & UT.

American Savings Life Insurance Company is the source of funds for “Not So Hard Money” loans, making “Not So Hard Money”, “Private Money”. American Life Financial is primarily engaged in lending “Not So Hard Money”, and those loans are funded, underwritten, and serviced by American Savings Life Insurance Company. “Not So Hard Money” loans are not sold on the secondary market.

The advantages of acquiring a “Private Money” loan are many. Private money lenders are not required to rigidly adhere to the guidelines that “conforming” loans must meet, and so a borrower that can’t “conform” may still find funding with a private money lender. This doesn’t mean that private money lenders will just lend money to anyone, but rather that the private money lender can listen to the borrower’s side of the story, and possibly look past the bad credit scores, the bankruptcies, the judgments and liens, and foreclosures, and conclude if the borrower is a worthy risk to lend money to or not.

So, when a borrower can’t “conform” to a standard loan, “Not So Hard Money” should be your first thought for alternate funding!


Not So Hard MoneyTM Loan Details


  • Rates as low as 6.99%
  • Loans up to 65% LTV/LTC
  • Loan of $250,000 to $8,000,000
  • Terms: 5, 10, or 15 year balloon with 15 to 30 year amortization or 2 year interest only
  • Loans in AZ, CO, NM, NV, TX, & UT
  • Commercial, Industrial, Multifamily, Office Buildings, and Investment Residential Properties
  • Asset base lending, not credit driven
  • We are a direct lender; we do not broker your loan


General Use Properties


Includes most residential, multi-family, office, retail, warehouse, flex & mixed-use properties


Special Use Properties


Includes mini-storage, motels, churches, assisted living facilities, medical buildings, etc.


Properties NOT Eligible:


Includes gas stations, bars, night clubs, etc.Land LoansYes, we lend on land (including acreage and lots) at 25% loan-to-valueNon-RecourseAvailable for a 1% increase in rate or 5% reduction in LTV






  1. Janice rabdolph says

    Trying to get the backing I need to start flipping houses. I am reaching out for help in trying to get started. Need Helps

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