2026 Construction Loan Lenders for Phoenix, Arizona

The Lendersa® directory lists construction loan lenders in Phoenix, AZ, including regional banks, national institutions, and local hard money lenders using private funds for ground-up construction or major rehabs.

In Phoenix, AZ, the estimated construction cost for a 2,000 square foot home can range from $236,464 for basic construction to $428,159 for more detailed projects. Loan interest rates and terms vary based on borrowers' finances, LTV, ARV, and chosen lender.

Explore loan offers from 100 lenders

Introducing the construction loan calculator

Lendersa® AI technology ensures that your construction financing needs are met by quickly matching your loan request with hundreds of construction lenders. Discover competitive construction rates to finance projects such as ground-up developments, fix and flips, or major rehabs on both residential and commercial properties located in AZ.

Searching for nearby construction loan lenders?

Minimize credit inquiries to protect your credit score. Obtain pre-approval for a land loan without providing your social security number or any sensitive financial information.

By pledging additional property as security (blanket loan), you may qualify for 100% LTV financing.

Utilize the Lendersa® land loan calculator to identify vacant land loan providers in the specified zip codes 85008.



Phoenix Construction Loan Lenders

  • Metro Private Lending LLC
  • 4500 N 32nd St #200B, Phoenix, AZ, 85018
  • Lends in Arizona
  • Metro Private Lending is an Arizona private money and hard money lender. Specializing in asset-based lending, we do not have a minimum credit score or income requirements for our borrowers.

    With a background in fix-and-flips ourselves, we are in a unique position to see the best in any deal and do what we can to make it work. Lending our own mon

  • Colonial Capital, LLC
  • 4222 E. Thomas Road, Suite 370, Phoenix, AZ, 85018
  • Lends in Arizona
  • Colonial Capital originates short-term bridge loans secured by real estate. These loans typically have characteristics that create complications for traditional lenders. However, our leadership and experience enable us to quickly quantify risk using market knowledge coupled with disciplined underwriting. We also consider our borrowers.

  • Guardian Mortgage Co Inc
  • 5090 N 40th St, Suite, Suite 100, Phoenix, AZ, 85018
  • Lends in Arizona
  • Guardian Mortgage was founded in 1965 on the principles of integrity, superior customer service, and mutual trust. Today we originate loans in over 40 states and have helped over a million homeowners realize their dreams of homeownership. These are not just numbers. Our greatest source of pride comes from our clients’ satisfaction.

  • Capstone Financial
  • 1620 N 82nd Place, Scottsdale, AZ, 85257
  • Lends in Arizona
  • Capstone Financial is a subsidiary of Capstone Private Mortgage Holdings, a company founded by an experienced team of real estate and finance professionals. Capstone Financial was created to help real estate investors take advantage of opportunities as emerging real estate markets recover and stabilize post recession.

  • Best Damn Loans, LLC
  • 7137 E Rancho Vista Dr, Suite B05, Scottsdale, AZ, 85251
  • Lends in Arizona
  • Established with one purpose! To serve our clients as a full service, one stop shop for all of your mortgage needs. We specialize in helping our clients identify and secure the Best Damn Loan For each unique situation. Our founder Nicholas Rausch was frustrated with how fragmented the Industry has become.

  • Prime Plus Mortgages - Phoenix Hard Money Loans
  • 7137 E Rancho Vista Dr, Suite B05, Scottsdale, AZ, 85251
  • Lends in Arizona
  • Prime Plus Mortgages is a licensed hard money lending company. We specialize in hard money loans, or HMLs, for developers, property flippers and buy-and-hold strategists. HML programs make private money available for small to medium scale projects.
    Fast turnaround
    Full coverage
    Seamless process
    Asset-based approval
    Paperwork reduction. Really.

  • Grand Funding
  • 3104 e camelback rd PMB 1032, Phoenix, AZ, 85016
  • Lends in Arizona
  • We are Grand Funding, a collection of straightforward and honest financial partners. A direct lender, focusing on investments, assets, and the overall client experience. We offer Construction, Fix and Flip, Commercial and Hard Money. We use our funds to streamline and quickly close your loan.

  • West Valley National Bank
  • 2111 E Highland Ave, Suite B-150, Phoenix, AZ, 85016
  • Lends in Arizona
  • West Valley National Bank is one of a few locally owned & operated community bank. Founded by local business leaders, the Bank fills a much needed niche. For too long, Maricopa County has been served only by large institutions led by out of state ownership and management. We want to help local businesses control their own destiny.

  • Canopy Mortgage, LLC
  • 2375 E Camelback Rd, Ste 600, Phoenix, AZ, 85016
  • Lends in Arizona
  • Canopy Mortgage we have a passion for finding a simpler, faster, less expensive way to close a mortgage loan. By combining our proprietary mortgage technology with the best Loan Officers in the industry we provide our customers with a fast, smooth, transparent and inexpensive mortgage experience