"Not So Hard Money" AZ - We take the Hard out of Hard Money

NOT SO HARD MONEY^TM

Arizona Hard Money Lender

We take the Hard out of Hard Money by bringing lower interest rates, longer terms, and lower fees to the "Hard Money" market space. If the property, borrower, or situation is "unbankable", we should be your solution.

Serving the Commercial Real Estate Loan marketplace, we provide both direct lending to property owners and wholesale lending to our registered brokers. We make Commercial and Investor loans, and our guidelines are simple: Real estate in Arizona or New Mexico, with enough property value to secure the loan, and where the borrower has the ability to repay the loan. If that is the situation, we are likely able to provide a NOT SO HARD MONEY^TMloan.

American Life Financial is a wholly owned subsidiary, and the lending arm of American Savings Life Insurance Company. Founded in 1954, American Savings Life has been providing non-conforming real estate loans for over 56 years.

"Hard Money" loans are NOT SO HARD MONEY^TMwith American Life Financial! Bring your funding needs to us and put NOT SO HARD MONEY^TMto work for you!

Recent Blog Posts

Follow the Leader: The Phoenix AZ Commercial and Residential Real Estate Markets

by Byron Allen

The Phoenix AZ commercial real estate (CRE) market has been consistently following the residential real estate market by about 12 months during the entire market correction / crash the last 5 years. It is now continuing that trend exiting the trough of distressed prices and heading back to a “normal” market. This insight comes from the March 2013 COMMERCIAL market report provide...

Unique insights into the Phoenix AZ real estate market

by Byron Allen

A good friend of mine, Beth Jo Zeitzer, is the designated broker for ROI Properties. (She also serves with me on the Board of Directors for The Arizona Private Lender Association.) She was kind enough to give me permission to share some of the charts she provides in her RE market newsletters. If you like what you see, feel free to contact Beth Jo and ask her if you can get on her...

In case you have any question about the direction Commercial Real Estate is heading…

by Byron Allen

CoStar Group produces a monthly report entitled CoStar Commercial Repeat Sales Indices (CCRSI). It is the best broad-based (national) CRE report I know of. The only downside is it is nationwide in scope so local investors need to recognize a local market does not move exactly in sync with the national market. As such, national reports like these should be supplemented with local ...