Private Hard Money Lender in California, Texas and Arizona: 2014

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The Big Show is Coming to Town.

Don’t do it…it’s a big mistake flipping homes can cost you a lot of money . Every week the house flipping circus comes to town and adve...

Monday, November 17, 2014

What is Trust Deed Investing aka Investing in Deeds of Trust

Are you Investing in Deeds of Trust? 

Hello, Dennis here, have you ever considered investing in Deeds of Trust or Trust Deeds. And what exactly is a Trust Deed investment? Well, let me explain. 

Today there are many ways in which you can invest your money, such as the stock market, bonds, or even depositing the money into a bank. It's time to add one more to that list: Investing in Deeds of Trust.

This is a great investment for you - when you invest in Deeds of Trust, you become the bank. 

Investing in deeds of trust means that you are loaning your money directly to a borrower who is then purchasing real estate and giving you a Deed of Trust as security for the loan. 

You will receive payments from the borrower monthly, and at a very high interest rate; these rates vary from 10 to 29% for 6 to 24 months with very good loan to value ratios, typically 70% or less. 

Also, your money is secured by the real estate. 

This means that if the borrower fails to make good on the terms of the loan, you, as the lender, take back the real estate. You are then free to sell the home to recover your investment, past due interest, and fees. 

This is much more secure in comparison to stocks, whose value can rapidly decrease or simply vanish if the company goes out of business. When that happens you lose your investment and you are not able to recover it.

When compared to the bank, you are getting a higher rate of return on your investment, typically 10 to 29%. You can even drive by and look at the home in which you wish to invest. Next time you give your money to the bank for little or no interest, ask them if you can see where your money went. 

Trust Deed investments offer security on your money, a high rate of return, and best of all, it's backed up by the property.

If you are looking to invest in deeds of trust, see us at http://www.setabayloan.com or give us a call at six two three five eight two four four four four.







SetabayLoans
23335 N 18th Drive Suite 120
Phoenix AZ 85027
623-582-4444

Monday, October 20, 2014

Family Carnival for Safe Families for Children and Collective Hope

Orphan Care Carnival Benefiting Safe Families for Children and Collective 

Discovery Pointe Orphan Care Carnival
Saturday, October 25th at 4:00-6:30pm

 Click for Map and Directions
Discovery Pointe Church

Silent Auction, Carnival Games and Dinner

All proceeds will benefit Safe Families Ministry, Collective Hope Ministry and local orphan care efforts within our own community.



Since 2005, Safe Families for Children has offered sanctuary to thousands of children, minimizing the risk for abuse or neglect and giving parents the time and tools they need to help their families thrive. The ultimate goal is to strengthen and support parents so they can become Safe Families for their own children.  For More Information about Safe Families Ministry.





Our Vision:

To keep hope alive by serving the orphaned and marginalized children of Nepal.

Our Mission:
Our mission has two components:

1.  Through the establishment of a Collective Hope Home.  This would mean that Collective Hope would establish a home for orphaned and abandoned children in the Kathmandu area.  The purpose would be to provide a loving and safe environment for children as well as meeting the physical, emotional, spiritual and educational needs of the children.

2.  Through a system of Foster Care.  This would mean that Collective Hope would serve and support family members of children who have been orphaned or find themselves in a marginalized situation.  Collective Hope would come along side a family member of the child to assist them in caring for the child.


Supported by







23335 N 18th Drive Suite 120
Phoenix AZ 85027

Wednesday, September 24, 2014

What is a Sub Prime or Bad Credit Mortgage?

Sub Prime Mortgages are back (they really never went away).  But what is a Sub Prime Mortgage?


It’s a home mortgage loan for borrowers who have a credit issue giving them a low credit score.  Typically a credit score below 550.  Bad credit sub prime mortgages are easier to qualify, since the lender is focusing more on the asset value and loan to value rations.  They lenders are more flexible in the lending criteria. 

Bad credit mortgage loans have higher interest rates and higher down payments than regular mortgage loans. Typical rates as of today start at 8% with a 30% down payment. 

If mortgage is for an owner occupied home, then the lender will have to determine if the borrower can afford the payment on the loan.  This is called Debt to Income Ratio, or DTI.  The ratios are typically 35/50%.

In the mortgage world, there is a loan for everyone.
It just depends on down payment and interest rate.

However there are some items that will stop a deal dead in its tracks, even for a Bad Credit Mortgage.  Typically the lender will not loan if the borrower has outstanding judgments, IRS Tax Liens, or is involved in a law suit or criminal charges.

Most people prefer to use a bad credit mortgage loan simply to get into a home and help rebuild credit.

Bad credit (or sub prime) mortgage loans are specialized mortgage loans designed for borrowers with credit issues. Bad credit mortgage tend to have higher interest rates and higher down payment requirements than regular mortgage loans. The higher interest rates mean that bad credit mortgage loans also tend to have higher monthly payments than regular mortgage loans.

Level 4 Funding LLC
23335 N 18th Drive Suite 120
Phoenix AZ 85027
623-582-4444

Arizona Mortgage Loan Originator - Making A Lot of Money

PRIMARY OBJECTIVE:
Level 4 Funding LLC specializes in the Sub Prime and Private Money Lending Environment. 

You will:
Obtain and analyze customer financial and credit data.
Manage your personal loan pipeline.
Serve as the primary liaison with bowers and outside entities (realtors, title and escrow officers, etc.) and other company employees to facilitate a prompt and efficient loan closing
Negotiate terms and conditions of loan programs with borrowers.
And you will make a lot of money.

What we provide for you:
Percentage  1.5% of each deal.
In house leads. We are number #1 on Google.

Employee Benefits:
Sorry no benefits, you just make a lot of money.
You will have an office, but you can work independently away from the office.

Required Skills and Qualifications:
Must be licensed as a Mortgage Loan Originator (MLO) in Arizona
Must be able to close the deal.
Prior Loan Origination Experience

About Us:
Level 4 Funding is a Mortgage Broker Company with an array of in house investors and wholesale lenders.  We are in a niche market specializing in Sub Prime loans and Private Hard Money Loans.  FHA/VA – Sorry we don’t do them-- go work for Quicken.

We use:
Point Central, Caylix.


Level 4 Funding LLC
23335 N 18th Drive Suite 120
Phoenix AZ 85027
www.Level4Funding.com
602-580-0611

Friday, August 22, 2014

Using Hard Money to Purchase Your Fix and Flip

Is Arizona Hard Money Right For Me?

  
Sometimes people get confused about Arizona hard money, but it shouldn't be so difficult because Arizona hard money can provide the short-term money that individuals need to fix up or purchase a piece of property.

Arizona hard money can come in two forms; hard money lender Arizona and private money lender Arizona.

Hard money lender Arizona refers to a group of people who do not use conventional standards to loan money to borrowers and by that it is meant that hard money lender Arizona is not affiliated with banks. The loans hard money lender Arizona gives out are non-traditional loans, which makes them easier to obtain.

Private money lender Arizona is an individual who wishes to give out non-traditional loans. This private money lender Arizona could be someone that you know or it could just be an investor that you’ve met with who wants to join you on your real estate adventure.

Whichever way you choose, Arizona hard money ensures that investments happen relatively quickly. Arizona hard money is a loan solution that is short-term and over quickly, so higher interest doesn’t really matter. The credit history of a borrower doesn't make a difference because the Arizona hard money loan comes from a non-traditional loaner interested less in the credit and more in the property.

If you are looking for a quick loan for the property you have wanted for quite some time now, it could serve you well to begin looking into Arizona hard money for the loan that you want and need. Instead of dealing with confusing banking rules, get together with a private money lender Arizona or a hard money lender Arizona group and begin to plan out the remodeling of your brand new property. 

You will be glad that you chose Arizona hard money lender.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Wednesday, August 20, 2014

What is hard money? Benefits of a Hard Money Loan.

What kind of Arizona Hard Money do I want?


There are two different kinds of Arizona hard money that is available to you. Both are exceptionally similar, but they each have different benefits to the borrower. The two types of Arizona hard money are Hard money lender Arizona and private money lender Arizona. It is easy to get confused by the two, they are both practical kinds of loans, but the following will explain how they are different.

It shouldn't surprise you to find out that hard money lender Arizona and private money lender Arizona are both based on assets and have more to do with the real estate you want to invest in than with your credit score. These are both also loans that are not bank affiliated, so they are easier to obtain than your traditional bank loan.

However, hard money lender Arizona and private money lender Arizona do have some differences. 

For example, hard money lender Arizona happens to be a group of people, while private money lender Arizona is just one individual who gives out the loan. Typically, with a private money lender Arizona, you know the person loaning you money, but that isn't always the case with the group of investors in a hard money lender Arizona.

Both loans have quick turnaround despite their higher interest rate, but because of this quick turnaround, the interest rate makes little to no difference. The loans are also more flexible than your traditional bank loans, especially when you use a private money lender Arizona.

Consider these types of loans as you decide on rehabbing a property. It could make all the difference to your project and stress you out far less in the interim. Consider the flexible and safe Arizona hard money loans. Whether you go private money lender Arizona or hard money lender Arizona, you will be happy with the outcome.


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Saturday, August 16, 2014

The Benefits of an Arizona Hard Money Loan

Why Do I Want Arizona Hard Money?

Hard money lender Arizona and private money lender Arizona are similar, that’s true, but they are also different and sometimes people tend to confuse one with the other because investors sometimes use the terms interchangeably when they really shouldn't
.
While both hard money lender Arizona and private money lender Arizona are asset based loans that have more to do with real estate than the financial stability of the borrower, they are both also from non-traditional lenders, that is to say, they are nontraditional loans that are not given out by a bank.

So how are they so different? Well, for one, hard money lender Arizona happens to be a group of people, not just one individual as with private money lender Arizona, but these lenders are all licensed to loan money. It’s just a matter of what kind of lender you want.

However, Private money lender Arizona is just that, private. The private money lender Arizona could be absolutely anyone from family to a friend to your business associate or maybe even just a professional whom you were referred to. How you are funded is agreed to by terms set by the private money lender Arizona and nobody else. That makes the loan easier to obtain than say, a traditional bank loan. However, interest can be higher. However, since these kind of Arizona hard money loans are usually a quick turnaround, you don’t normally need to worry about that.

For this reason, private money lender Arizona can be more flexible than hard money lender Arizona as you typically know the person lending to you and you deal with them directly.


That being said, a lot of hard money lenders Arizona do get their funding from private resources, which is why the interest rate is often higher. Hard money lenders Arizona are also much easier to find. So go out and try to find it!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Friday, August 15, 2014

Do you need a Private Money Loan for your rehabbing project?

Are you ready for Private Money Lender Arizona?


Private money lender Arizona is among one of the best ways to fund your new rehabbing project in the real estate world, however some people are afraid of Arizona hard money. It can be a new term for people and it can seem intimidating, but we are here to reassure you that it can be the best thing that you do for yourself and your property.

For one thing, a private money lender in Phoenix Arizona isn't bank-related by any means. Private money lender Arizona allows you to borrow money from one person who believes in the real estate project you are doing. Meanwhile, a hard money lender Arizona is a group who will loan you the money you need for your real estate investment, much in the same way. It really is that simple so there’s no need to fret. Just choose whether you want a hard money lender Arizona group or the individual private money lender Arizona. Both will give you the tools and guidance to your property success. It just depends on what works best for you.

There isn't any need to stress about obtaining the money you need to be successful. Private money lender Arizona and hard money lender Arizona really want to help you succeed. While the interest rate can be higher, you must also remember that so is the amount of Arizona hard money a person can receive. So in the end, it does all even out. Moreover, the loan turnaround is so fast that the higher interest rate really isn't ever a big deal.

Don’t think twice about what kind of 

hard money loan you should get. 


Skip the traditional route and consider Arizona hard money for your next real estate investment. There won’t be any aggravation, no hassle, and your property will get the very best treatment it deserves. Look into Arizona hard money today.


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Thursday, August 14, 2014

What is a Arizona hard money loan?

If you are looking into private financing but you’re confused about what Arizona hard money means then you have come to the right place. You might say that the easiest way to explain what a hard money lender Arizona or a private money lender Arizona is would be that they are both people who have access to money that’s easier to get to than applying for a bank loan. Their money is then used almost exclusively for real estate. However, hard money lender Arizona is usually a group of people while private money lender Arizona is just one person. Arizona hard money can be a great option for someone who doesn't want a bank loan because usually, you don’t have the loan long enough for the high interest to make a very big impact. Hard money Arizona is almost always a short-term loan.

There are  three main reasons why Arizona hard money is termed Arizona hard money and none of them have to deal with difficultly in obtaining the loan because in fact, an Arizona hard money loan isn't difficult to obtain. Instead, it’s called Arizona hard money for these reasons:

  1. Higher interest rates, but you have a fast turnaround time.
  2. Arizona hard money lenders determine what a property is worth in its best condition, but under some circumstances, will finance up to one hundred percent.
  3. Hard money lender Arizona gives money based on the value of the property but include repair costs into the loan. This is very unlike most traditional lenders who do not include the repair costs into the loan. Consider this is a great option for those who are planning on rehabbing the property.

Think of all of these great benefits as you consider Arizona hard money for your next rehab project.


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Monday, July 28, 2014

Why Apply for an Arizona USDA Home Loan?

People are buzzing about USDA Home loans…but do you really know what they are all about? Why should YOU apply for an Arizona USDA Home Loan? These loans can benefit you in many ways, but you need to know the ins and outs before you get started.

It seems that there is an endless amount of ways to finance a home in 2014. There’s FHA loans, conventional loans, loans that require money down or no money down, loans for renovations, the list goes on and on. While you can find a plethora of information online about home loans, let me fill you in on an Arizona USDA Home Loan and why you should consider applying for one.

Arizona USDA Home Loan: What is it?

You’ll need to know the answer to this first before you decide whether or not you’d like to apply for this loan. The first thing you need to know is that this loan in particular has a lot of upsides with very little catches. That’s the truth! Let’s explore the history first so you’ll be able to better understand.
The USDA home loan was created by the US Department of Agriculture with farmers in mind. However, it has benefited much more than that specific group of people. The USDA wanted people who lived in rural areas and low income households to be able to achieve that American dream we are all looking for---home ownership. Thus, there’s nothing secretive about this loan, there’s nothing you need to worry about, and no reason to be skeptical.

The Arizona USDA Home Loan offers something that the majority of other loans do not—that is 100% financing. That’s right. No money down. So even if you have been scrimping and saving for a down payment, you can keep that money in the bank or put it toward something else on your home because the USDA loan will finance it all. What’s great about this loan too is that often times the seller pays closing costs. When the seller doesn't pay closing costs, the buyer can have those expenses rolled into the loan so you can literally move into a home without a single penny out of pocket. The first expense you’ll have to put toward your new home is simply your monthly mortgage payment.

Another upside to the Arizona USDA Home Loan is that the interest rates are remarkably low. The days of 10-20% interest rates are long gone and most people looking into this loan are able to finance a home for less than 7% interest. The USDA loan offers an entire percentage rate lower than other loans.

Perhaps one downside to the USDA loan in Arizona is that the areas where you are allowed to buy a home with this type of financing are very strictly defined. Since it is the US Department of Agriculture who developed this loan, it is only logical that this loan is offered specifically in rural areas. The USDA has a map on their website that describes which areas in Arizona are eligible. Don’t be distraught though, you will probably be very surprised to find that a lot of the areas you thought wouldn't qualify, actually do!

The only other downside to this loan is that there is a cap on your income. Essentially, you cannot make more than about 115% of the median income for Arizona. For Arizona in particular, that averages out to about $75,000 per year. But hey, if you’re making more than that, maybe you’re better off anyway!
It’s pretty easy to qualify for the USDA home loan Arizona. You’ll have to have your mortgage broker or real estate agent check your debt to income ratio and make sure it is low. You don’t want to be paying a lot out in credit card payments and other debts when you’re trying to make a purchase as large as a home. When you factor the payments for the home you’re looking to buy, you will only be able to qualify for the loan if it does NOT put your debt to income ratio above 30%. This means that your monthly mortgage payment cannot equal out to more than 1/3 of your gross monthly income. While frustrating to some, this is actually a really wise eligibility requirement because it keeps you from becoming “house poor” and upping your chances of foreclosure.

If you think a USDA loan might be right for you, don’t hesitate to call your mortgage broker and see if you are eligible. Although parts of it seem too good to be true, it really is a great option for home buyers (ESPECIALLY first time home buyers) to consider. With no money down, 100% financing, and low interest rates, you really can’t beat it!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027



Thursday, June 26, 2014

There are options for loans from a Private Money Lender in Arizona.

When is Arizona Private Money a good option for me?


There are times when Arizona Private Money is the best option for those seeking a loan. Usually it is when they need to turn to another source after a bank has deemed them to be too much of a risk. If you are unable to get a loan through the bank, finding a private money source may be the answer that you need! There are some things that you should know about Arizona Private Money before you decide, so that you can make an informed decision.

  • Arizona Private Money is a term in banking and finance that refers to lending money to a company or individual by a private individual or organization. While most usually think of a bank when deciding to borrow money, private money is offered by individuals or organizations. These certain individuals and organizations may have different qualifying guidelines then you would usually expect. There are higher risks associated with private lending for both the lender and borrowers.
  • For the most part, Arizona Private Money Lender may be close to the nation’s average interest rates, but in some cases you will find that it be extremely expensive. The higher interest rates usually occur when there is a larger anticipated risk. It is when there is a higher risk associated with the loan that the private money lender increases the interest rates. So in these circumstances your interest will be higher than the going interest rate. This is the risk that comes to both lender and borrower in a private money exchange.
  • Private money lenders can be found almost everywhere. Their object is to make an above average profit on the return of their money. There are some serious risks that come with that return, however. They may not be repaid, and often fear that they will not be paid on time. Many times they will quickly resort to legal action. In some cases of real estate, the lender will get a deed of the property in their name so that if they are not paid they can sell the house to cover the cost of the loan. They may also get insurance to prevent losses due to any catastrophe on the property. In these ways, Arizona Private Money lowers the risks that come with loans.
  • Arizona Private Money lenders are not able to work outside the banking laws, and are required to comply with state and federal usury laws. But they are able to avoid some of the red tape and regulation that banks must abide by such as banking exams. Private money lenders may also have a limit on how many loans they can give in a year within a single state before they have to get a banking license.
  • All who are interested in Arizona Private Money should take extra consideration. Many do not recommend private money loans for residential homeowners. Indeed, Arizona Private Money is usually only used for business capital. You should also have an accountant to advise you, as well as a real estate attorney to help guide and protect you. Often private investors do not have all the knowledge and understanding needed to work outside of a bank. Very often these agreements end up in court, so it is helpful to be well advised before it gets to that point.

How can I get an Arizona Private Money loan?

Many businesses and organizations will advertise that they offer Arizona Private Money loans. Be sure to check into their background and make sure that they are the kind of people or organization that you feel comfortable dealing with. Chances are you will be working with them for a long time. Many organizations are willing to take a risk on you with your loan; just be sure that you are willing to do the same. In the end, it is just as much your money as theirs.

How can I find a trustworthy Arizona Private Money lender? 

What are some things that I should look for?



Ask them if they belong to any organizations, such as the Arizona Private Lender Association, or APLA. That way they are somewhat accountable and you have a place to appeal to if needed, before going to court. It would also be helpful to look through their credentials, and check with others that have borrowed from them. Most Arizona Private Money lenders are honest and helpful, it just helps to make sure you are dealing with one of those.

Arizona Private Money loans are extremely helpful for those who the banks have declared to be too much of a risk. By following these guidelines you will be sure to be as well protected as you can, and to get the money that you need.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378

USDA Home Loans are Available for May Parts of Arizona

Arizona USDA Home Loan: What is all the hype about?


There has been a lot of talk about Arizona USDA Home Loan lately. Is this something that I should be looking into? Why would this be a good option for me?

An Arizona USDA Home Loan is a great option that you most definitely should be looking into! While it may not work for some people because it does have more restrictions and requirements than many other loans, the additional benefits far outweigh the little extra hassle. Let me help you get started by sharing some vital information on the Arizona USDA Home Loan.

  1. Arizona USDA Home Loan has some pretty great numbers that are incredibly hard to find in a loan, especially in this current climate. This loan has completely 100% financing! That means no down payment for you! If you are also looking for a loan with low interest rates, the Arizona USDA Home Loan has some of the lowest in the nation, beating other loans by almost a whole percentage point! Those interest rates are fixed, too. And if you are wondering how much you can borrow, than it will be good news to you that there is no umbrella with this loan!
  2. You may be wondering about those restrictions I mentioned. Well, to qualify for an Arizona USDA Home Loan, you will need to be purchasing a home in the acceptable footprint, a set of boundaries that the USDA says is considered rural. You also must make less than 115% of the county’s median income.
  3. And another important thing to remember is that even though you are under the required limit of 115% of the median county’s income is that the Arizona USDA Home loan is just that: a loan. They want to be quite sure you have the ability to pay it back. Most people are asked to show their finances for the last two years, show that they have a good history of paying bills on time and have a current steady income. Even if you have had to file for bankruptcy, if you can show that you have had a good credit history for the last two years you may still qualify! If you had a Chapter 7 bankruptcy then you will then need to wait at least three years before you can apply. If you filed a Chapter 13 bankruptcy and have made all the payments on time for a minimum period of at least one year, then you might be eligible to apply for a USDA loan with the court’s permission. Either bankruptcy will also require that good credit has been re-established with no late payments.
  4. One last requirement for the Arizona USDA Home Loan is that the home (or property) you wish to purchase must be for an actual home. You cannot get this loan for investment opportunities, such as developing properties to sell. You and your family must plan to reside in it almost immediately. The USDA wants home owners in its rural communities, not necessarily developers.

Why does the Arizona USDA home Loan exist?

The Arizona USDA Home Loan is for the improvement of rural areas. In order to qualify for this loan, the home or property that you want to buy or improve has to be in the correct area. These areas are mapped out by the United States Department of Agriculture. Be sure to look at the footprint on their website. It shows all the areas that the Arizona USDA Home Loan works in. And even if you do not want to live in a rural area, check anyway! You may be surprised what is considered to be rural. A few examples of acceptable areas in the wonderful state of Arizona include Sahurita or Green Valley, two wonderful communities just outside of Tucson.

Why is the Arizona USDA Home Loan only interested in rural areas? Why does the USDA care about home loans?


The Arizona USDA Home Loan is a government insured loan, meaning that the government will make sure the banks don’t lose money. It is referred to as the USDA Rural Development loan. The reason it exists is to provide low-cost mortgages in small town communities and rural areas. These loans are available to farmers and home buyers. The USDA just wants to bring a little more stability to rural communities by providing home owners who are more interested in building their community. This is all part of an initiative to make sure that rural counties are benefiting more from solid citizens who have the opportunity to buy instead of rent.
If you are still hesitant, make sure you speak to a lender who can answer your questions. While this may not be right for everyone, it is a wonderful way to realize your dreams of home ownership. Take the chance, and ask about the Arizona USDA Home Loan today!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Wednesday, June 25, 2014

Arizona USDA Home Loan: Why would I be interested?

Arizona USDA Home Loan: Why would I be interested?


There has been a lot of talk about Arizona USDA Home Loan lately. Why would I be interested in one for myself? What makes this a great choice for me personally?

With so many options out there for prospective home buyers, it can become confusing and frustrating as you try to make the right choice. It will be easier to make the choice that is best for you and your family if you have all the information in front of you. Let me help by outlining some of the most important aspects of an Arizona USDA Home Loan.

      Arizona USDA home loan is a good option for those of you thatare concerned about the initial cost of home loans. The USDA home loan offers100% financing! What a wonderful feeling it will be when you have the opportunity to purchase and do not have to worry about the down payment! Along with that wonderful feeling, be comforted in knowing that an Arizona USDA home loan has some of the lowest interest rates. You would be very hard pressed to find rates like this in the whole entire nation. Also, there is no umbrella. That means that hypothetically you have no limit on the amount you can borrow. Of course, that is hypothetically, as you will be evaluated on many other factors. But with all of those perks, it is obvious that, if you qualify, this is a wonderful option.

      Those qualifications can be a little tricky. The Arizona USDA home loan can be a great option for the hopeful home buyer but it comes with pretty tight specifications and many requirements that limit who can qualify. The biggest one is that you cannot purchase a home with an Arizona USDA home loan in an area
that is not considered rural. The USDA has certain guidelines that spell out what is considered a rural area. If you are interested, there is a complete map that tells you what areas are allowed to be used alongside the loan. And you may be surprised at all the right shade colored in on that map. Some areas close to Tucson are even considered rural. You do not have to commit to farming or ranching to receive a USDA home loan.

      Unfortunately, the restrictions do not stop with location. When you are being evaluated for an Arizona USDA home loan, they will look at your income level. Because this loan is intended for those in a lower income bracket, you will be denied if you make over 115% of the average income of the desired county. Do not despair, however, because many banks will help point out some deductions that may lower you to just the right amount. For example, being considered a student will be a deduction. But bear in mind that all incomes of the home will be considered.

      It is still incredibly vital to remember is that even if you are under the required limit of 115% of the median county’s income is that the Arizona USDA Home loan is still a loan, and the bank is very interested in your ability to pay it back. Most people must be able to show their finances for the last two years, prove that they have a good history of paying bills on time and have a current steady income with good prospects. It may seem daunting, but remember that you have a wonderful opportunity to buy your dream home. Like most dreams, it just takes some time.

      One last requirement for the Arizona USDA Home Loan is that the house your purchase must become a home. This is not a loan for those interested in investment opportunities. Even if it is just for a property, you must be able to prove your intentions of building a home that you plan to reside in.

Why is the Arizona USDA Home Loan such a good opportunity?

When making such an important decision, it is not un heard of to want a little background on the Arizona USDA Home Loan. He fact of the matter is that the United States Department of Agriculture wants to make living in rural areas more appealing to more people. That means more stability and improvement in people’s lives. That is how the Arizona USDA Home Loan came about. They provide a loan for those who would like to own a home but need more assistance than they are currently getting, or would be able to get, from a bank. The USDA home loan is actually a government insured loan, meaning that the actual money will come from the bank. But the government will pay the bank the money back if something goes wrong. Most banks would not dream of offering such a great deal on a loan, simply because it is too risky to their bottom line. That is why they banks are able to offer the amazing benefits, something that may be a little too risky for them otherwise.

I have so many more questions. How can I really make sure this is the right loan for me? How can I know if I can even be accepted?

There are many people who are just waiting to help you with your questions! Some great places to look for them are the banks themselves, as well as USDA offices throughout the area. Not all banks or businesses offer the Arizona USDA Home Loan, but plenty do!  Take advantage of all this great information and come one step closer to fulfilling your dream of being a home owner in the great state of Arizona! 


Arizona Home Loan

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027


Monday, June 23, 2014

You can get that Arizona Home Loan you want for your dream home.


You aren't stuck! You have an Arizona home loan!

Don’t think you’re stuck. If you had or have bad credit because of the economy, you aren't alone. Don’t anticipate the worst for forever. You can get a residential hard money loan from a private lender. Your Arizona home loan is really just waiting for you to pick it up! Hard money lenders want to help you out! These private money lenders know how difficult it can be to obtain a Home Loan Arizona so they want to help you out.

Are you wondering how on earth you can get that Arizona Home Loan? We have the resources you need to find a private money lender to help you out. This isn't cheaper than dealing with a bank, but the convenience factor is amazing. No longer is your credit in the spotlight, you can go ahead and get the property you want without worrying about what your credit looks like. That’s part of the beauty of a home loan Arizona from a private lender.

Banks can be unreasonable. We all know that. Don’t think anyone is fooled into thinking banks will easily give anyone money. They don’t anymore. That’s their game. It’s frustrating and it isn’t fair to hard workers who had a tough break but there it is. You have to have a perfect credit score before they let you have a loan. That’s where the private lenders come in. It’s a great way to get the money you need for your home loan Arizona and get the house of your dreams.

You do not have to figure out a million different tricks to get the money you need. 
You can get the home loan Arizona in no time if you talk to a private lender today! 
Just call us up and get started right away.

Get your home with an Arizona Home Loan


Looking for a hard money lender who can get you into the house you want? You can do this even if you have terrible credit or no credit. It’s time we stop relying on the banks to give us the loans we need. If you need a home loan Arizona it might be time to look into something different and something that you can actually obtain. Banks aren't crazy about lending people money because the economy tanked and took a lot of people with it. This is causing some issues with bankers who want to put people through the ringer just to get an Arizona home loan. It really doesn't have to be that way because you can bypass the banks and go a completely untraditional route that will result in the Arizona home loan that you want- you just have to go to a private lender for it.

So what does a private lender do? That’s a good question

Your private lender is going to get you the money you need without asking too many questions. Your private lender really doesn't mind what your credit score looks like because this ordeal isn't about that. It’s about property. Getting the property you want is easy when it comes to getting a private money lender because they want to see great properties that they can invest in. You will get your Arizona home loan easily because they aren't interested in your credit score. They just want to know that you can pay them back and that you can make the payments on time. If you can do that, you don’t have to worry anymore about foreclosure or not having the home of your dreams! Your private money lender wants to give you the Arizona home loan that you deserve.


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378

Tuesday, June 17, 2014

Level 4 Funding can get you that Arizona Home Loan Mortgage

Get The Home You want with an Arizona Home Loan


Are you looking for the home of your dreams… but also wishing you had the credit to purchase it? Now is your chance to get what you want because there’s a way to do it. You just have to be unconventional! You can get your Arizona home loan. There’s a way to get the home you want. You have to talk to your hard money lender about the non traditional Arizona home loan they can give you.

We know the economy made a lot of people lose their great credit standing. That was a damn shame. But there’s no use moping about it. You have to get yourself together and talk to a hard money lender about what you can do about it when it comes to getting your home.

Banks are difficult. They are not willing to accept very many people into their tiny world of loan dispersing. They want to keep a lot of the money for themselves because the 21st century has left them out in the cold quite a bit. A lot of banks went under, you might remember, and we had to bail them out. They aren't really looking for that again. They are truly trying to do something different for bank loans so they put you through a lot of different hoops and they make you wait and even then you may not get the Arizona home loan that you really want and really need for your house. Don’t give it a second thought. Get the Arizona home loan from your hard money lender. You will see how easy it is to get what you need when you don’t have to go through a bank.


Arizona Hard Money Arizona Mortgage Broker

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120 Phoenix AZ 85027

Private Mortgage Broker Level 4 Funding Can Get You That Mortgage You Need

A Private Lender Can Get You a Home Loan Arizona

Are you looking for a hard money loan but you don’t know where to start? Well congratulations because you have definitely come to the right place. Understand that everyone knows know, well maybe aside from the banks, that getting a house right now is really difficult. There is a lot of financing involved and if you don’t qualify for the kind of soft and traditional bank loan your parents probably received, then you might think buying a house just isn’t in the cards for you. Maybe that’s because when the economy went bad so did your credit or maybe that’s because you don’t even know where to start with your finances. Well, don’t worry because you can still get your Arizona home loan and you can get it faster than a traditional bank loan any day. Just read on for an explanation.

For one, a traditional bank loan takes forever because they want it to. There’s a lot that
goes into the traditional bank loan that doesn't with the hard money lender. For example, the mountains of paperwork. You can forgo that and still get the Arizona home loan
that you really need and really want for your new home. It’s easy to talk to a hard lender about your Arizona home loan to get all the facts. You can get the condo or the town home that you want by talking to a home loan Arizona  and making some adjustments and talking to your private money lender who sees your probably home as an asset. This is unlike a normal loan where you use your credit score and that’s why it is called a hard money loan. You have a hard asset. Talk to your private money lender and get your Arizona home loan today.




Arizona Hard Money Arizona Mortgage Broker


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC

Tel:  (623) 582-4444 | Fax: (888) 279-6917
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027