Showing posts with label arizona home loans. Show all posts

Thursday, April 12, 2018

Alternative Business Loans Arizona Entrepreneurs Best Option

Exploring alternative business loans, Arizona start up and small business owners could be surprised by their options. There are many reasons that an alternative loan could be your best choice.

Traditionally, when a business owner needs money to fund a startup or to grow a fledgling business, the first stop is their local bank. But there can be many hurdles to overcome when seeking a loan from a traditional lender. Alternative lenders provide business loans Arizona small business owners actually have a chance of securing and that is just one of the many benefits that they offer.

There are two main benefits to working with an alternative lender. The first is that the approval rates are much higher than a traditional lenders and the second is the fast approval and funding time frame. As an independent entity, there is not the mile of red tape to slog through with most alternative resources so borrowers enjoy a much better customer service experience for the most part and a higher success rate.

When alternative lenders offer business loans, Arizona borrowers will discover that the lenders tend to be more flexible on terms as well as qualifications for the loans. Alternative loans are therefore a good option for a business looking to finance inventory or for working capital which is not something that banks will approve. In addition, the alternative lender is not as likely to require that the business owner use personal assets as collateral for the loan. Which offers the borrowers more confidence in the lender and personal security as well.

Personal Credit is Not an Issue

Poor personal credit is often a factor that will derail business loans Arizona business owners are seeking. Banks are not willing to process a business loan without a deep dive into the personal financial status of the company owners and even some of the other major officers of the company. That is not an issue for alternative lenders as they are primarily interested in the merits of the business and not the owner’s personal finances.

Time is On Your Side

Anyone who has applied for any type of loan from a bank knows that the process can be long and arduous. A personal mortgage loan can take weeks to process. But a business loan application can actually drag out for more than three months. By the time a bank is willing to fund a business loan, the need for the money could be gone, the opportunity could be lost and the business could even be floundering. Business deals are often time sensitive, but traditional lenders tend to overlook that fact. Great opportunities to grow a business don’t appear every day, so business owners need to be prepared to act when the opportunity arises. Securing a loan from an alternative lender is a great way for an Arizona business owner to maximize an opportunity to expand, diversify or land a huge client that might otherwise have gotten away.

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Monday, March 26, 2018

How to Obtain Your Next Commercial Loan in Less Than a Week

Traditional commercial loans often take more than a month to obtain when you consider the time to approval and then funding. Find out how you can obtain your next commercial real estate loan in a matter of days.

According to Bob Hope, “A bank is a place that will lend you money if you can prove that you don’t need it.” Investors with less than stellar credit or in need of immediate capital have found this perspective to be right on target. In addition, the type of loan will play a part in a traditional bank’s inclination to put the stamp of approval on your loan request. For instance, since 2008, traditional banks have been less prone to making small business loans and loan-to-value ratios have declined. For investors that are prone to higher-risk models, a traditional bank may not be the best choice when it comes to commercial loans.

In today’s current market, where sellers are experiencing multiple offers in a matter of days, obtaining quick capital for investment purposes has become much more important than in the days of the recovery, when properties could sit on the market for months without an offer. Multiple offers on the table will often place contingency offers to the back of the pile. Quick funding can dispel this dilemma.

So, just what types of lenders can get you the capital you need in the time frame that you need it? Hard money lenders offer short-term commercial loans that are quick to fund in order to facilitate the purchase of your next real estate investment. While traditional banks usually offer longer repayment periods at reduced interest rates, they also require excellent creditworthiness and can take a minimum of 6 months to fund. This does not take into account the length of time that it will take to prepare your business plan, financial projections, and a proposal as well as exit strategy.

Benefits of Obtaining a Hard Money Loan for you Next Investment

Unlike banks, many hard money lenders are private lenders who are not bound by the same rules and regulations that traditional lenders must abide by. They may be a group of lenders pooling their funds together or individuals that make loans on specific types of properties whether multifamily or the fix & flip segment of real estate investing. Their focus is not on your credit history, but rather on the property or collateral involved in the loan. Time to loan varies among the various private lenders.

At Level 4 Funding, we work with hundreds of private investors and can provide loans up to $5 million. We offer approvals within 24 hours and funding within as little as a few days.

Working with a large pool of investors allows us to offer funds for nearly all commercial loans. This includes multifamily, office, warehouse, storage, raw land and even student housing. Call us for a no-obligation quote. We can often say “Yes” when banks and other lenders have said “No.”

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Saturday, March 24, 2018

How to Prepare to Speak to Hard Money Lenders

Being prepared is the best way to ensure that you can get offers from hard money lenders. But the secret is in knowing how to prepare.

It can be very stressful seeking a loan. Many people hate to feel that they owe someone money even when it is for a legitimate loan or mortgage. But being well prepared can help to eliminate much of that unnecessary stress and also can help to ensure that you get the loan that you need. Approaching hard money lenders for a loan is not exactly like going to a bank or a mortgage company to ask for a loan. And in some ways this is very good because the process is less complicated but that can also make it more nerve wracking.

A conventional lender is going to present you with a huge packet of forms to complete and then send you on your way until you have all of the paperwork completed and submitted. But the process of a hard money loan is less dramatic. So you will want to be sure that you are prepared prior to your first meeting so that you can give the lender all of the information that they will request. Not only does this allow you to appear very professional but it will also speed up the process even more.

Hard money lenders are really only interested in the value of the property which is going to be used as collateral on the loan. They don’t want to hear your life story and why your credit score is lower than the average consumer. So don’t volunteer too much but be ready for all of the questions pertaining to the property and your plans for it. The first question is going to be the address of the property, which is easy enough to supply. You will also need to provide a few photos of the property to show its current condition. In addition, you should provide any appraisal that you have gotten or valuation that you have completed for the property. This is the main information that the lender is going to use to determine the current value of the property and what the collateral will be worth to them.

Explain Your Plan

The next information that the lender will want to gather is about your offer price and any proposed renovations that you will be doing. It is a good idea to have a basic business plan in place to show the renovation budget, the timeline and your projected increase in the property value as a result of the renovations. The final piece of the puzzle for the lender is to understand how you plan to repay the loan. Are you planning to keep the property and rent it out? Are you going to sell the property and use the proceeds to repay the loan? And finally they will ask for the exact amount of the loan that you are requesting.

Fast and Easy

Providing all of this information in a single quick meeting not only shows your respect for the hard money lenders time but also shows that you are a well prepared professional. Having a plan and demonstrating it will let the lender know that you are serious and will be getting this loan from him or her or from a competitor.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Thursday, March 15, 2018

How to Know What to Expect When Applying for Commercial Real Estate Loans

If you are looking for a loan for your real estate property, then you need to know what to expect when applying for commercial real estate loans. There are many important components that you should be aware of during the application process.

Commercial real estate loans are not given to individuals, but to corporations, developers and other business entities. The funds can be used for a number of things for their business. It can be used for remodeling, adding more locations. If your business doesn’t have a strong credit history, then some lenders might be looking at the owner’s individual credit scores. To be sure of approval, it is best to have an excellent credit score, usually of around 700. So, make sure to keep that in mind before applying.

Be prepared to pay higher interest rates than those compared to residential loans. On top of higher interest rates will also be extra costs for the fees. These fees can include: legal fees, appraisal, loan application and survey fees. Keep these fees in mind when you ae shopping around for the best deals. You want to take these into consideration along with interest rates and other terms.

Also, be aware that you could face prepayment restrictions. Most of the commercial real estate loans come with certain regulations and terms. These will pop-up if you decide to pay off the whole amount of debt before the payment due date. This could result in having to pay penalty fees. This is actually a very common thing among lenders. It is usually calculated by multiplying the current outstanding balance by a certain penalty amount or interest guarantee. If the balance is paid off early, you may be responsible for paying a fee to the lender.

There are many different types of terms offered for commercial real estate loans.

The terms usually range from 5 years to 20 years, but the amortization period could end up being much longer than the actual term length of the loan. For example, a loan term could only be 7 years, but the amortization could be for 25 years. The length of the loan and amortization could affect the rate of the fees and the interest rate. But remember that most terms are negotiable. Just keep in mind that the longer period of the loan length, the higher interest rate.

Always take into consideration the factor of loan to value ratio.

The loan to value ratio measures the value of the loan compared to the value of the property that the loan is being used for. This is calculated by the lender and the category of the loan does play a role in this. If the loan to value ratio is high, then it is usually common for loans to be approved. Always talk about this with your lender before making any final decisions.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Tuesday, January 3, 2017

Private Hard Money Lender In Arizona

Setabay LLC

22601 N 19th Ave Suite 112

Phoenix AZ 85027

Private Hard Money Arizona

Hard Money Lender Arizona

Trust Deed Investing Arizona

Wednesday, July 29, 2015

Arizona Home Loans: How to Qualify for a Home Loan Even if You Have Rotten Credit

If you have bad credit, you can still take advantage of various Arizona home loans products and programs to secure a home mortgage. You can also take certain steps to help clean up your credit to make you a more appealing borrower.

If you have bad credit, you may think that a home mortgage is beyond your reach. The truth is, if you score is 650 or higher you may be able to qualify for a traditional mortgage. If you have a lower FICO score or have been turned away by a bank for a home loan, there are still other lending professionals that will be able to find Arizona home loans that will make it possible for you to purchase a home, even if your credit is less than perfect.

The first and probably most important first step in purchasing a home is to find a qualified Arizona mortgage broker that you trust. A broker is different than a bank in that he can shop for different Arizona home loans that will fit your unique borrowing situation. He is not tied to a specific bank or interest rate and can often find investment groups and lending institutions that are more willing to take a risk on a bad credit borrower.

Once you have found your broker, he should be able to explain a variety of programs that are available for Arizona home loans. If you have good enough credit or a significant amount of cash for a down payment, he may discuss a traditional mortgage with you. He will also discuss various federal loan programs like an FHA loan. The benefit of these types of loans is that they are designed to help out borrowers who may be first time home buyers or have bad credit so the FICO cut off scores are often lower than traditional loans. In addition, there may be programs like “Home in Five” that offer cash back at closing to borrowers who qualify. FHA loans also have low down payments so there is less need to have a significant amount of cash in the bank.

If you do not meet the qualifications for a traditional mortgage or an FHA loan, there are still options that your broker can suggest. Sometimes it makes sense to obtain a loan through an investment group rather than a traditional lending institution like a bank. Investment groups have more leeway in who they qualify for loans and will often offer loans to borrowers with lower FICO scores. Be aware that you will often pay a higher interest rate for these loans because you represent a higher risk for the lenders. However, often this higher rate is worth it to invest in owning a home. Your broker should be able to explain all interest rates and fees, letting you know exactly how much the credit is going to cost you in the long run.

How to Rebuild Your Credit to Qualify for a Arizona Home Loan

If you are considering applying for a home mortgage, there are certain steps you can take now to help ensure that you are able to qualify for a loan. First and foremost, make all of your payments

on time. This is especially important for your rent payment. A year of on time rent payments can go a long way in convincing a lender that you will be able to repay a home loan. On time payments of rent, credit cards, student loans, and any other debt you may carry will also help to increase your credit score. A year of on time payments may be the difference between qualifying for a home loan or not.

In addition to rebuilding your credit, make sure that you are also saving money. The bottom line is that money talks, and often louder than a credit score. If you have a year of living expenses saved up this can often outweigh a bad FICO score in terms of loan qualification. Also, a large down payment can decrease your debt to income ratio and make you a more attractive borrower.

A final step to help ensure that you will qualify for the variety of Arizona home loan that are available is to get and keep a job. Having at least a year, if not more, of steady employment with the same employer makes you a much more attractive mortgage candidate. It demonstrates stability which is an attractive trait for mortgage lenders.

Stop letting bad credit hold you back for an Arizona Home Loan.

Find an Arizona mortgage broker to help you navigate the ins and outs of the home buying market today. Make your dream come true and become a homeowner 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

Friday, May 29, 2015

Arizona Home Loans: Choosing the Right Loan Product

Arizona home loans are in high demand as interest rates are dropping and housing inventory is increasing. A mortgage broker can help you choose the best loan for your financial situation and make your homeownership dreams come true.

The real estate market in Arizona is booming. With gorgeous spring temperatures, and plenty of ways to beat the summer heat, it is easy to see why. Arizona has a lot to offer to individuals and families. Whether you are moving to the Grand Canyon State for work, the weather, or for all the family friendly activities and destinations, there is something in Arizona for everyone.

If you have bad credit, you may think that a move into or around Arizona is impossible. You may think that Arizona home loans for bad credit don’t exist. This has been a widespread and false rumor since the housing crisis of 2008. Many people believe that it is impossible to get a home loan without perfect credit. In a way, this has become a self-fulfilling prophesy because many individuals and families with bad credit won’t even apply for a loan for fear they will just be turned down by the bank. However, there are many programs in Arizona that can help sub-prime borrowers meet eligibility requirements for home loans.

Types of Arizona Home Loans

The most common type of Arizona home loans is a traditional mortgage. Most people with bad credit automatically assume they cannot qualify for this type of loan. While a traditional mortgage does have the most stringent credit requirements, they are not as high as many people believe. If you have a score of at least 650 you have a chance to qualify for a traditional loan. A traditional loan is a fixed 15 to 30 year loan with payments that will remain roughly the same for the entire loan term. Payments may fluctuate slightly based on property tax amounts but they principal and interest will remain the same. In order to qualify for a traditional loan you will need to put between 5 and 20 percent of the loan amount down.

If your credit score is less than 650, you can still find Arizona home loan that you can qualify for. One of the main types of loans that can help sub-prime borrowers is an FHA loan. An FHA loan is a loan that is secured by the federal government. You will pay a fixed rate for principal and interest for a 15 to 30 year loan term. You will also pay mortgage insurance in the amount of 80 to 200 dollars each month, depending on the amount of your loan. You can qualify for an FHA loan with a credit score as low as 500 as long as you have between 3.5 and 10 percent of the loan value to put down.

If you find that you cannot qualify for a traditional loan or an FHA loan, there are some less common programs that may be able to help you buy a home in Arizona. One is a rent to own program. When you rent to own, you pay rent that for the first 18-24 months goes towards making a down payment on the home. Your rent payments will be higher than if you were just renting the home but you will be making progress towards owning it. Another way to purchase a home with bad credit is with seller financing. This is most common if the seller owns the home outright or owes a very small amount left on the mortgage. The seller carries the debt for you and you make monthly payments, including interest to the seller. Often you will need to put a large chunk down so that they seller is assured that you have a vested interest in paying the loan in full by the agreed upon time period. Finally, you may also want to have a family member with higher credit cosign for you. This will help you get a loan and be on track to rebuilding your credit. However, be aware that any late payments will also affect the credit of your cosigner.

Regardless of which loan product you choose, an Arizona mortgage broker can help you reap the benefits of Arizona home loans.

An aggressive broker is key when securing a home loan with bad credit. A licensed broker can negotiate with various lenders to help get them to see you as more than a credit score. In fact, many people who have gotten home loans with bad credit claim that they owe their success to a broker who was working for them. Call a broker today to start the process of owning your own home. You will be glad you did.

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, April 20, 2015

How to qualify for Arizona Home Loans with Bad Credit

Subprime mortgages in Arizona have been considered a predatory lending practice by many law makers. The facts show otherwise as Arizona home loans with bad credit programs have typically been used by investors as a money making strategy, not by people who have been taken advantage of by banks.)

A subprime mortgage is a lending practice that can benefit borrowers with low credit scores. Typically, subprime mortgages are given to borrowers with a less than stellar credit history or to borrowers with other financial factors that make them too much a liability for a traditional loan. Based on these factors, the borrowers would not qualify for a traditional mortgage so banks give them a subprime loan with a higher than average interest rate. Because subprime borrowers represent a higher risk for the lender, most lenders charge a higher than prime interest rate.

The most common type of subprime mortgages that are offered are adjustable rate mortgages or ARMs. An adjustable rate mortgage initially offers a very low interest rate, usually below the prime rate offered by a traditional loan. For an informed investor who intends to fix and flip or only own a home for a short period of time, an adjustable rate mortgage can be a great investment tool. However, an ARM is somewhat misleading to uninformed borrowers as it initially charges a lower interest rate. After the ARM period the rate adjusts to a significantly higher rate and higher monthly payment. These types of mortgages were given out frequently by banks to un-creditworthy buyers in 2005 and 2006. Once the loan reset to the higher interest rate, many borrowers were unable to afford their new monthly payments and defaulted on their home loans. ARM were largely responsible for the increase of subprime mortgage foreclosure increases in the mid-2000s.

In addition to ARMs, many private equity firms and hedge funds also give subprime loans. Interest rates are usually higher for these loans because the borrowers represent a higher credit risk to the lender. Although there have been some predatory lenders, the majority of these firms want to help create a win-win situation. Investors make money and borrowers are able to purchase homes.

In response to the foreclosure crisis, may law makers want to eliminate Arizona home loans with bad credit programs entirely. They cite these types of loans as being predatory lending practices as the interest rates can reach as high as 9% when a traditional loan hovers around 4%. They also claim that these loans are disproportionately given to people who make less than the median level of income and there is also fear that subprime mortgages could hurt minorities or young people.

The Truth About Subprime Home Loan Arizona

As stated above, there is concern among law makers that Arizona home loans with bad credit are designed by banks to gain the most money from groups who have the least. The foreclosures of the mid-2000s helped fuel this fire. Politicians and loan reform groups make a variety of claims about the unsavory nature of subprime lending in Arizona, however, many of these claims have been proven inaccurate when the numbers are examined.

The first claim by politicians looking to discredit subprime lending in Arizona is that it would unfairly discriminate against low income borrowers. This claim is categorically false. In fact, most subprime borrowers in Arizona are above the median income line. Most subprime mortgages tend to be second mortgages that are purchased as investment properties. Subprime borrowers also tend to own fewer low value homes than traditional mortgage holders.

A second claim against sub prime mortgages Arizona is that subprime loans are unfairly given out to borrowers who are young without a substantial credit history. Subprime mortgages are not given out to mostly young borrowers. In fact, the average age of a borrower for a subprime mortgage was between 35 and 55 years of age. This indicates that subprime mortgages are not being used to penalize borrowers with insufficient credit history due to age.

Finally, another criticism is that minority borrower will be discriminated against and only offered high interest loans. A demographic study indicates that this is untrue. By analyzing zip codes and demographics, it was concluded that subprime mortgages are not more common in zip codes with a Hispanic population concentration.

Subprime mortgages are not being used by banks to unfairly discriminate against borrowers, rather than are a valuable tool for borrowers with low credit scores or as a means to purchase an investment property.

Since subprime mortgages often charge higher interest rates, they have unfortunately been lumped into the same category as title or payday loans. Some politicians see them as predatory practices without having all the facts. Arizona home loans with bad credit programs and loans are not a predatory lending practice by banks. Rather they are a tool that can be used for borrowers that would otherwise not qualify for a mortgage. Whether you are purchasing a second home as investment, or buying a home for your family to live in, don’t let a low credit score determine your fate. Contact a local mortgage broker to determine your options and see if a subprime loan is a good option for you.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Home Loans
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

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.

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!
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.
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.
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!

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

Thursday, September 19, 2013

Get your USDA Home Loan Arizona and start living in the house of your dreams: The Best mortgage loans Arizona, get one today

: Home Mortgage Loan Arizona

Banks are becoming increasingly difficult and annoying to work with. When the economy went south and a lot of people lost a lot of their credit, banks weren’t exactly there to help people. And that left a lot of people stranded in homes they didn’t like or homes they couldn’t afford. What do you do when that happens? Don’t let it happen! There is hope with an USDA home loan Arizona. It could be the beginning of a new and wonderful life for you! Just give USDA home loan Arizona a chance!

An USDA home loan Arizona is one of the best loans for buying a new house when you have limited credit as the USDA home loan Arizona does not require a great credit score in order for you to get your mortgage loan Arizona. It is definitely a relief to many to know that a credit score is not what determines whether or not you get the loan. It feels like a lot of pressure is taken off of your shoulders.

Some additional things to know about an USDA home loan Arizona is that these home loans Arizona do not require you to make a down payment for the purchase of your home, which, as you might know, is very unlike your traditional bank loans. Your USDA home loan Arizona is actually a true 100 percent home loan.

When looking for a mortgage loan Arizona, definitely check out the USDA home loan Arizona because it could be the best one for you. In fact, with the USDA home loans Arizona, there’s a chance you can even get 102 percent of the appraised value price of the property you want to buy! The USDA home loans Arizona is something to consider when you go to make your next home purchase.

: Big Daddy Dennis Hard Money Lender

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

Looking to Get the House of your Dreams with Home Loans Arizona? Luckily, USDA Home Loan Arizona Does Exist!

: Home Mortgage Loan Arizona

The economy collapsed and took many people’s credit scores with it. But don’t let that be an excuse as to why you can’t find happiness in a new home! Don’t feel like you’re stuck just because your credit isn’t the best or what it ought to be. There is hope with an USDA home loan Arizona. It could be the beginning of a new and wonderful life for you! Just give USDA home loan Arizona a chance!

If you haven’t heard of an USDA home loan Arizona before, keep in mind some of the great attributes that it comes with. The first thing you should know is that the USDA home loan Arizona does not require a great credit score in order for you to get your mortgage loan Arizona. That’s not what determines whether or not you get the loan, so right away you can have some relief.

Moreover, this USDA home loan Arizona require you to make a down payment for the purchase of your home, which, as you might know, is very unlike your traditional bank loans. This means that an USDA home loan Arizona is a true 100 percent home loan. And make it 100 percent easier than any other mortgage loan Arizona you can get don’t you think?

Definitely look into the USDA home loan Arizona as it could be the best kind of loan you can get for your credit score and for your money. Since it is so different from a traditional bank loan, you have more freedom and little bonuses like how some USDA home loans Arizona can even get you 102 percent of the appraised value price of the property you want to buy. Consider the USDA home loans Arizona when you go to make your home purchase.

: Big Daddy Dennis Hard Money Lender

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

Wednesday, September 18, 2013

Home Loans Arizona for People with Bad Credit: Getting the USDA Home Loan Arizona and, as a bonus, the home of your dreams

: Home Mortgage Loan Arizona

It’s no secret that when the economy collapsed, a lot of people were taken as victims. You do not have to feel like a victim anymore though, because even if you have bad credit –or the worst credit- and you want to get back on your feet, there is a way you can still buy your house and not have to wait for a bank to approve you (or not approve you, you know how banks are). It’s time you look into the USDA home loan Arizona that might just very well change your mind about the home loans Arizona process when it comes to buying houses. It could be the beginning of a new and wonderful life for you! Just give USDA home loan Arizona a chance!

You might wonder what the USDA home loan Arizona actually is. That’s a great question. USDA home loan Arizona is a loan that can help you get back on track. For example, with an USDA home loan Arizona you won’t have to worry about your credit because that’s not what determines whether or not you get your mortgage loan Arizona. You can rest a little sigh of relief.

Some additional specs on this USDA home loan Arizona include not needing a down payment for the purchase of your home, very unlike your traditional bank loans. This then makes an USDA home loan Arizona a true 100 percent home loan. And make it 100 percent easier than any other mortgage loan Arizona you can get.

USDA home loan Arizona is the best kind of loan you can get for your credit score and for your money. It has little perks like some USDA home loans Arizona can even get you 102 percent of the appraised value price of the property you want to buy. How cool is that? Look into the USDA home loans Arizona today as a great way to get a jump start on owning your own home.

: Big Daddy Dennis Hard Money Lender

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

Home loans Arizona for people with bad credit do exist: How About a USDA Home Loan Arizona?

: Home Mortgage Loan Arizona

The economy fell and took quite a lot of people with it. Maybe including you. Don’t be ashamed by that. A lot of people have really bad credit right now, but that doesn’t make it easier on you, does it? And what if you want to get a new home for you and your family? Then what? That’s where mortgage loans Arizona comes in to offer you the USDA home loan Arizona that might just very well change your mind about the home loans Arizona process when it comes to buying houses.

If you’re wondering what an USDA home loan Arizona can do for you, it’s really quite simple. With an USDA home loan Arizona, for example, you don’t have to worry about your credit because that’s not what determines whether or not you get your mortgage loan Arizona. This is looking better already, I see.

Additionally, when you get an USDA home loan Arizona, which is unlike traditional bank loan, as we stated, you do not need a down payment for the purchase of your home. This then makes an USDA home loan Arizona a true 100 percent home loan. How fantastic is that? Traditional bank loans can’t do that for you.

This home loan Arizona is actually a really great mortgage loan Arizona for first time homebuyers looking to get into the housing market, but maybe haven’t yet. Some USDA home loans Arizona can even get you 102 percent of the appraised value price of the property you want to buy. So as you can see, when you get USDA home loan Arizona, it makes buying a house and applying for mortgage loans Arizona easier all the way around for everybody. Look into the USDA home loans Arizona today as a great way to get a jump start on owning your own home.

: Big Daddy Dennis Hard Money Lender

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

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