Hard Money Loan Attorneys

Hard Money Loan Attorneys for Arizona and Washington Borrowers

Hard money loans are short-term, asset-based loans secured by real estate. They close fast, they carry high interest, and they come due fast — often in six to twenty-four months with a balloon payment at the end. When a refinance falls through, a rehab runs long, or a sale does not close on time, borrowers can go from current to default in a matter of weeks. Majors Law Group, P.C. provides legal services and legal representation to real estate investors, landlords, and small business owners facing hard money loan defaults, maturity defaults, default interest, and trustee sale notices in Arizona and Washington.

Hard Money Problems We Handle

• Maturity default — the note came due and the payoff is not there
• Notice of trustee sale or nonjudicial foreclosure on the collateral property
• Default interest, late fees, and prepayment penalties you believe are excessive
• Cross-collateralized loans that put a second property or your home at risk
• Personal guarantees signed alongside an LLC or entity borrower
• Bridge and fix-and-flip loans on projects that stalled or ran over budget
• Lender demands, acceleration letters, and receivership threats

What Our Attorneys Actually Do

First we read your loan documents — the note, the deed of trust, the guaranty, and any modification. Those documents control what the lender can do and how fast. From there we negotiate for time: a maturity extension, a forbearance, a modified payoff, a reinstatement, or an orderly sale that protects your equity. Where the lender has already recorded a notice of trustee sale, we look at every option to stop or delay it, including a Chapter 11, Chapter 13, or Subchapter V filing when reorganization is the right tool. We also review whether the loan terms, fees, or licensing create defenses worth raising.

Protecting Your Personal Guaranty

Most hard money lenders require a personal guaranty even when the borrower is an LLC. That means a project failure can follow you home. Our attorneys evaluate guaranty exposure, deficiency risk after a foreclosure, and whether Arizona's or Washington's anti-deficiency rules apply to your loan — then we build a plan around the whole picture, not just the one property.

Free Consultation With a Hard Money Loan Attorney

Hard money timelines move quickly, and a recorded trustee sale date is a real deadline. Book a free consultation and we will review your note, your deed of trust, and your guaranty at no cost, and tell you honestly what your options look like.

We Do the Document Chasing For You

Paperwork is the number one reason cases stall. We make the filing experience painless and affordable by collecting what is needed for you.