Which Arizona Mortgage Broker Is Right for Me?

Home Loan for a New Home

Finding an Arizona mortgage broker can be a daunting task. There are a lot of dishonest people out there and how can you trust anyone you find over the internet? Before you do something you’ll regret, stop flipping through those yellow pages and do your research! Your Arizona mortgage broker is, essentially, going to determine a big part of your future. Don’t trust just anyone with this task. While most of the home loan application and process is solely based on you and your situation, you still need to find someone you can trust who will represent you honestly and positively.

What attributes do I look for in an Arizona Mortgage Broker?

You need to find an Arizona Mortgage Broker who treats you like a person and not a paycheck. Develop a relationship with them—you will be working with them for a long time until the loan process is complete. Don’t just choose the first one who comes up on the internet. Here are a few attributes to look for:

-Honesty. Obviously. But do your homework! Ask friends and neighbors for referrals, go with your gut, don’t let them fool you. Some of them will inevitably try. Make sure there are no “elephants in the room,” and if you feel uneasy about them, move onto the next one.

Arizona Home Loan

-Integrity. Don’t lie to them and don’t let them lie to you. Be honest if you have poor credit history or a shady financial past. It doesn't ruin you, but dishonesty will bring you down. Arizona mortgage brokers are on your side…tell them everything and don’t let them jerk you around.

-License! They have to have a license. Don’t work with anyone who doesn't. Each state has their own laws regarding real estate, so check with your state and make sure your broker matches up. If you’re suspicious, ask for proof of their license and qualifications.

Arizona Mortgage Broker Team, investing in trust deeds Arizona

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

Is My Situation Right for Using an Arizona Mortgage Broker?

Arizona Mortgage Broker

Arizona mortgage broker aren't for everyone. Not everyone needs one, and not everyone wants one. However, most of the time, mortgage brokers do a lot of good for families and individuals looking to purchase a home. If any of these situations sounds similar to yours, you definitely need to look into working with an Arizona mortgage broker.

-You are looking to get a home loan (This one applies to almost everyone who would even think about needing a broker, so it’s a no brainer.)

-You are buying your first home and just don’t know the real estate lingo yet. If you’re not a mechanic, you probably wouldn't replace the transmission in your own car. The same goes for real estate shopping—leave it to the professionals. This is especially true for the financial aspects.

Arizona Mortgage Broker

-You have poor credit history or some other “black mark” on your financial records. Arizona mortgage brokers can represent you in the best light, without being dishonest. They know how to report credit scores (lenders have to know!) but do it in a way that may allow them to look upon your situation with a forgiving eye. Most people who have been denied by a lender directly find success through using a broker.

-You don’t know exactly what kind of loan you’re looking for or what interest rate you deserve. Lenders will do just what their name says—they’ll lend you money. That doesn’t mean they’ll shop around or do what’s in your best interest. If you’re hesitant about what you’re looking for, go with an Arizona mortgage broker.

How do I Find an Arizona Mortgage Broker?

Arizona Home Loan

Do your homework! Just like anything else in life, you need to research. Make sure you find someone trustworthy. Meet them in person. Don’t do it all through email. You need to find someone with a clean record (some brokers can be tricky!) and one whose personally vested in your situation.

If you’re not sure where to turn, our certified Arizona mortgage broker can help.

Arizona Mortgage Broker,
Arizona Home Loans

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

How do you Fix Your Credit Score? Get your Arizona Home Loan.

How do you Fix Your Credit Score?Get your Arizona Home Loan.

Arizona Mortgage Broker Arizona Home Loan

You want that Arizona Home Loan to purchase our dream home but your credit score is low. Your credit score is an indication of what the industry calls your willingness and ability to pay debt.  It’s a probability ranking score on the possibility of you defaulting on an Arizona Home Loan payment obligation in the next 90 days.  Some people like to think of it as a credit score grade on your payment performance.  The lender will look at your overall grade and see if you are willing and able to pay the debt.  If you have a failing credit grade (an F), then the lender will assume that you are going to fail again and not pay them back.  It’s an overall Grade Point Average on how you passed or failed on prior loan obligations.  If you got an F on an Arizona Home Loan in the past your Grade Point Average is going to go down.  Think of it as when you were in school.  Every year the school would give you a Grade Point Average for the years work.  Some people got a very high Grade Point Average (all A’s) and were the smart kids in school, while others got a few D’s and F’s on their report card and had a lower Grade Point Average for the year.  This school

Arizona Mortgage Broker

of credit never ends in your life and you want to have the highest credit score Grade Point Average as possible, and keep it up through your life.   So what do you do to get a high credit score Grade Point Average?  You do the same thing that you did in school.  That is:

1. Take the Test over again and get a better grade.  How do you do this?  You pay back the people you owe money to.  Those items in collection or past due need to be paid off and settled.  The grade on your past due loan is currently an F, but you can make it a C+ if you pay off the debt.

2. Don’t get any more F’s on your work.  This means that you pay the loans back and on time.  You need to take it seriously, and make the payments and don’t be late.  Remember when you turned work in late in school and the teacher deducted points for the work because you were late?  It’s the same in the credit school; don’t be late on your work.  Also, what type of grade were you given when you did not turn in the work at all?  You would get an F.  This is the same with paying loans, when you DON’T PAY then you get an F and your overall credit score Grade Point Average goes way down. Pay your loans on time and full will give you the best Grade Point Average.

3. Don’t take on too may classes.  If you take a safe load of classes, then your work

Arizona Home Loan FHA USDA Specialists

load is easier and you can probably get an A in every class.  But if you take on too many classes, you will not be able to get all the work done for all the classes.  This is the same in the credit world.  Don’t take on too many loans and keep the balance owed on the loan to around 30% of your available balance.  The lender will look at your loan load (class load) and think are you never going to get the work done?  You have maxed out all of your credit cards and want another one? The more loans you take on (sign up for) the higher the chance that you are going to fail on one of them and possibly the loan you are now trying to get is the one you will fail on.

4. Get that bad score off your report.  Usually the quickest way to get a bad grade off your report is to dispute the score (Whine to the teacher). Tell the credit bureaus that it’s not your grade or that the grader who graded the test was wrong, or that they used the wrong pencil or that they used the wrong answer sheet to grade your work.  If you can get an F off your report card, your overall score and Grade Point Average will go up.  This is usually the first thing you can do to get a better Grade Point Average.  You do this by disputing the items on your credit report for each of the credit bureaus.  If they believe you and you are able to get the score off your credit report your Grade Point Average will go up.  If credit bureaus don’t believe you, then work on step 1-3 above. 

Arizona Home Loan

The good part about the credit score Grade Point Average is it is an Average.  It’s calculated over time and time is your friend when you calculate the Grade Point Average.  Your overall score is based on the current work and the work you have done in the past, but usually it’s for the last 3-5 years and if you have an F on your credit score report card, it will drop off in a few years. So if you keep your grades up, in a couple of years your credit score Grade Point Average starts to improve and eventually you will have all A’s and you can qualify for the Arizona Home Loan.

So you have bad credit and want an Arizona Home Loan? What are the exact steps?

I recommended that you read the book Credit Bible - Everything You'll Ever Want To Know About Credit by Phil Turner.  This is a detailed book on the steps and mistakes you can do to fix your credit score.

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

Don’t Fret Because You Can Get an Arizona Home Loan!

Arizona Mortgage Broker

It’s difficult out there for people who don’t have the best credit. But it really doesn’t have to be. If you are looking for an Arizona home loan, there’s a way out that doesn't have to be with a bank handing out soft loans and forcing you to conform to their ways. No, there is a new way that you can get the money you need. Think now about a non-traditional loan. Think now about how you can get a private lender to hand you over an Arizona home loan without worrying about your finances.

1. Going at the monthly cost bigger man than all website for experience it accordingly BLOGGER

Your hard money lender can provide the financial resources you need to get your property. If you need an Arizona home loan, there’s really only one place to get it that won’t cause you a lot of heartache and stress and that’s with a private money lender. After you can determine what kind of money you need if you have bad credit or your home is being foreclosed on, it is possible to get back on track.

Don’t think about how difficult it can be with a banker because with a hard money lender, it doesn't have to be difficult to get the Arizona home loan that you need.

You can avoid the long way to do something and the hassle of paper work that may never lead to anything with a traditional loan and snag what you really want from your private lender. Take note that there are other ways to do something about your financial problems. You can qualify for a hard money loan even with bad credit. Don’t bother with the soft loans of yesterday when you are looking for an Arizona home loan today. Take advantage of this wealth of information by talking to someone about a private money lender and non-traditional loans.

Arizona Mortgage Broker, Arizona Home Loan, USDA Home Loan

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

Arizona Home Loans are Obtainable

If you’re looking for a hard money lender because your credit isn’t as great as you’d like it to be, then you are in luck because we have what you’re looking for here. As you know if you are

Arizona Mortgage Broker Home Loan

on the website, a hard money lender or a private money lender as they are also called, can be the best thing for you and your bank account- especially if your credit isn’t what it should be. No more conforming to the bank standards when you can get the non-traditional loan that you need for your Arizona home loan from a private money lender.

You can qualify so much easier for a private money loan than you can a traditional soft money loan. These banks are so aggressive nowadays that it is difficult to get what you need from them. They want to really put you through the ringer when it comes to getting the loan you need for your home. And even then, you might not get it. It’s time to avoid these kind of interactions and get a private money lender to give you the Arizona home loanthat you need. You won’t have to worry about bad credit or an impending foreclosure. You will just have to worry about getting the money you need and paying off your debts. 

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Arizona Mortgage Broker, Arizona Home Loan, USDA Home Loan

Tell your private money lender what you need and they will work with you far better than a traditional bank officer would. You can have the quality of life that you deserve. Talk to a hard money lender now about the Arizona home loan that you need. It might just change the way you begin to think about your home and your money. Bad credit, no credit, or impending foreclosure, you can get the money you need with a hard money lender who wants to help you with your Arizona home loan.

 

 

 

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

Let’s Talk About Arizona Home Loans

Arizona Mortgage Broker Home Loan

There are soft money loans and there are hard money loans. Many people think that hard money loans sound scary, but really it just might be the opposite way around. You see, soft money, or traditional loans, are loans often given out by banks or other financial institutions that require a long and tedious qualification process. Thanks anyway! Often with these soft money loans, you don’t even get the loan after all the waiting and paperwork that you’re forced to do. That’s where a private money lender comes in. A private money lender can help you get the Arizona home loan that you need to save your foreclosed home without any of the inconveniences of a soft loan.

Here’s the deal: Those banks are going to get you coming and going. They can break down a human being with their tough questions about finances. Talking to a private money lender is much easier and doesn't require loads of paperwork or credit score assessments. Instead, it

Arizona Mortgage Broker,

is a more relaxed atmosphere and you get your money fast. That’s something everyone can look forward to, especially when their home is in foreclosure and you need that Arizona home loan fast.

Skip the banks and go straight to the money with a private money dealer who specializes in home loans Arizona.

You will see that bad credit or no credit, there is someone out there for you who can help and it isn't just a fairy godmother, it’s a private money lender who wants to get you the Arizona home loan that you need. No waiting. No frustrations. Just exactly what you need when you need it and want it the most. Talk to a private money lender today regarding the Arizona home loans that will absolutely change your life.

Arizona Mortgage Broker

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

Do You Know What an USDA Home Loan Is?

Arizona Mortgage Broker Home Loan

Are you looking for change? The kind of change that only comes with a big move to a smaller town? Then it might be time for you to look into USDA Home Loans Arizona. This is a great time to look into what you could do for your family even if you may not have the kind of credit score that would ever get you points at a traditional bank.

But why would you need an USDA Home Loan Arizona? Are you thinking about relocating or moving to a smaller neck of the woods? While USDA Home Loans Arizona used to mean rural, ‘rural’ itself has had a bit of a definition change by the USDA, so you can still live in a great area of your choice.

USDA Home Loans Arizona are the perfect way to get the home that you and your family can grow old in for decades without, sorry for the pun, breaking the bank. That’s because USDA Home Loans Arizona are specifically made for people who have a difficult time getting the funding that they need. However, if you even barely qualify for an USDA Home Loan Arizona, then you will get all the benefits that comes with it, such as no worries when it comes to having bad credit.

Moreover, you don’t have to have a down payment with your USDA Home Loan Arizona because the agency is all about helping people, so you will see a lot of perks when it comes to getting your USDA Home Loan Arizona. You will find there is a lot less to worry about than there would be if you went through a traditional bank loan system.

Have some faith and take a look into USDA Home Loans Arizona for your new relocation and you might see there’s a world of possibilities out there for you that you can take advantage of.

Loan Officer Level 4 Funding

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

What is a Arizona USDA Home Loan?

Do you know what kind of loan might make you feel the most at home in your new house? It’s time to start asking questions about USDA Home Loans Arizona.

Do you know what USDA Home Loans

Arizona are? Let’s take a good look!

For one, USDA Home Loans Arizona are there to help you get the home you want in a new area outside of the city. This doesn’t mean moving away from civilization, it might means moving to a quieter part of the city. The program began in 1991 as a way to help families as they moved from the city to quieter locations and now it is being used to help families in much

Arizona Home Loan FHA USDA Specialists

the same way, though recently the definition of rural changed to include larger areas.

Additionally USDA Home Loans Arizona do not require you to have the credit score that most traditional bank loans require you to have. That’s because USDA Home Loans Arizona are here to help people, unlike most bank loans for mortgages that really crack down on eligibility because banks are always afraid to lend money to those who need it to the most in order to help them out monetarily as well as help them build credit. That’s not a problem with USDA Home Loans Arizona.

Moreover, note that your down payment is not required when you qualify for your USDA Home Loans Arizona.

This makes for a much easier purchasing experience. Consider the opportunities that await you when you seek out an USDA Home Loans Arizona. You could get the home you always wanted at a rate you can love. Don’t hesitate to make the switch to a non-traditional loan today and get into the house you want faster than you ever thought possible.

Arizona Home Loan, 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

Should I Use an Arizona Mortgage Broker?

If you’re thinking of applying for a home loan, you've got to consider how you will get one and where it might come from. Of course, you have the option of contacting a lender directly and applying for a loan in that way, but that’s not always the easiest and most effective route in getting your loan granted. Like any other decision in life, there are advantages and disadvantages of using an Arizona Mortgage Broker over a direct lender. The pros and cons are outlined below.

Dealing with Arizona Mortgage Broker vs. Direct Lenders

If you go to a lender, plan on doing your own homework. You need to know the types of loans, a little bit about each of them, and most importantly, exactly what you’re looking for.

Arizona Home Loan

They aren't going to hold your hand through the process. You will also need to speak with several lenders because interest rates vary from bank to bank and you don’t want to be stuck with the first (and possibly the highest!) lending institution you go to. Essentially, a lender is going to either grant or deny your request for a loan—they’re not going to do the shopping around or comparing for you. Another disadvantage to using a lender directly is that if you don’t apply correctly or make a mistake in representing yourself and get denied, there is no backtracking. You’re stuck with the “no” answer and there’s just not a whole lot you can do about it. The process of starting over can be time consuming, but it’s not impossible to work through.

An Arizona mortgage broker, on the other hand, is an awesome resource if one of these situations sounds like yours:

-You have poor credit history or no credit

-You don’t know much about real estate

-You don’t know exactly what kind of loan you’re looking for

-You’re a first time home buyer

An Arizona mortgage broker will act as the go-between for you and the lender.

Arizona Mortgage Broker

They will shop around for you and do all the legwork. They compare interest rates to bring you the best and lowest payment option possible. They also know the real estate world—all the ins and outs. They can fill out an application for you that represents you in the best light, while still being honest. Often, people find that when they use an Arizona mortgage broker, they qualify for a loan when they wouldn't otherwise. 

Arizona Home Loan

Arizona Mortgage Broker

Loan Officer Level 4 Funding

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 85

Mortgage Broker Arizona is Here to Help!

If you’re looking for help in buying a home and knowing the process, you’re not alone! There are so many people in your situation. Don’t give up because you feel discouraged by

Arizona Home Loan, Mortgage Broker

all the real estate jargon and loan intricacies. Mortgage Broker Arizona can help you out. Go to your mortgage broker with your questions, concerns, and thoughts and they will gently guide you through the process.

 Why Choose a Mortgage Broker Arizona Over A Bank?

People have their preferences and that will never change. However, when you’re starting the home buying / loan application process, it’s good to know all of the information available before making your decision and pressing forward. Mortgage Broker Arizona have thinned out over the past few years—as they have in all parts of the country. They have tight regulations to work under and have been known to be a little shady. However, that is a thing of the past.

Arizona Mortgage Broker,

Mortgage brokers work hard to bring their clients to the best loan possible. The SAFE Mortgage Licensing Act of 2008 thinned out a lot of the bad guys and made sure that Mortgage Broker Arizona operates under honest principles and with the highest degree of accountability and ethics.

Mortgage Broker Arizona handles the paperwork and all the sticky situations of a loan.

Arizona Mortgage Broker, Arizona Home Loan

They interact with the lenders so you don’t have to and they steer you away from any potential problems. They also understand the industry a lot better than you do. They know the lenders they are working with and they know how to represent you honestly and in the best light possible. This is something you likely would not be able to do on your own because you don’t always know the lender you’re borrowing from.

Essentially, you’ll want to compare the two before making your decision. If you want to go with a bank, do your research.

If you choose to go with a Mortgage Broker Arizona,

do your research there too.

You’ll make the choice that feels right in the end.

Arizona Home Loan

Arizona Mortgage Broker

Arizona Mortgage Broker,
Arizona Home Loans

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