Brad Loans by eMortgage Inc.

eMortgage Inc., operating under the brand Brad Loans, is a prominent direct hard money and private money lender based in Scottsdale, Arizona. Founded in 2014, the company specializes in providing fast and flexible real estate financing solutions across the Phoenix Valley, catering to both real estate investors and homeowners who may not qualify for traditional bank loans.

Brad Loans distinguishes itself by focusing on asset-based lending, making financing accessible even for borrowers with bad credit, no credit, or those unable to provide traditional income verification like tax returns or pay stubs. Their offerings include hard money loans for fix and flip projects, real estate purchases, short sales, and refinancing, often with funding available within days. They are known for offering competitive rates and fees compared to brokers in the region.

The lender prides itself on its commitment to client success, providing personalized support throughout the loan process. With options for 30-year fully amortized loans or 1-year interest-only terms for investors, and the unique possibility of 100% LTV with cross-collateralization, Brad Loans aims to be a reliable financial partner for various real estate endeavors, backed by an A+ BBB rating and positive customer reviews.