Bridge Loan Rates and Terms in Arizona
In 2025, Arizona bridge loan rates typically range from 9-11%, with terms of 3-12 months (extendable in some cases). Fees include 1-1.5% origination and 2-5% closing costs. Interest is often interest-only, with balloon payments at maturity when you sell your current home.
Rates vary by lender type (banks vs. hard money), credit score, property value, and market conditions. Loan amounts can reach $75M for commercial properties, with max LTV 70-80%. This guide compares options based on data from NerdWallet and Hurst Lending, helping you in cities like Phoenix-az or Sedona-az.
Factors like prime rate fluctuations and your DTI can influence final terms—consult a lender for personalized quotes.
Rates and Terms at a Glance
| Aspect | Typical Range | Notes |
|---|---|---|
| Interest Rate | 9-11% | 1-3% above prime; variable based on credit and lender type |
| Term Length | 3-12 months | Short-term; extensions available for additional fees |
| Origination Fees | 1-1.5% | Upfront cost; may be rolled into loan |
| Loan Amount | $75K-$75M | Based on equity; higher limits for commercial properties |
| Payment Structure | Interest-only | Balloon payment at maturity upon sale |
| Prepayment Penalty | None typical | Confirm with lender; some may have minimal fees |
Compare Lender Types
Bank Lenders
Lower rates (9-10%) but stricter requirements and longer approval (1-2 weeks). Ideal for borrowers with excellent credit and stable income.
- • Terms up to 12 months with possible extensions
- • Fees 2-3% including closing costs
- • Suited for residential transitions
Hard Money Lenders
Higher rates (10-11%) but faster funding (3-5 days) and flexible terms. Great for investors or those with lower credit scores.
- • Terms 6-24 months for more flexibility
- • Fees 3-5% with quicker closes
- • Suitable for commercial or fix-and-flip
Factors Affecting Rates & Terms
Credit Score
Scores above 700 can reduce rates by 1-2%; lower scores may require hard money options.
Property Value & Equity
Higher equity (30%+) leads to better terms and larger loan amounts.
Loan Term & Market
Shorter terms have lower overall costs; rates fluctuate with prime rate changes.
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