Understanding Loan to Value Ratio for Hard Money Loans Arizona

Understanding the loan to value ratio for hard money loans Arizona is critical to knowing how much money you can request. Without knowing the LTV you have no idea what lenders would be willing to fund.

Because hard money loans are secured with real estate, it is critical to understand how lenders determine the dollar amount that they are willing to lend. This determination process uses the loan to value ratio which is the loan amount divided by the property value. In most cases a hard money lender will fund up to 65% to 75% of the current property value. What this means for anyone who wants to use funding from hard money loans Arizona to make a purchase is that they must have cash or other financing for the remaining 25% to 35% of the purchase price.

It is important to understand what the loan to value ratio is on the property that you are purchasing so that you can be prepared to pay the remaining balance to complete the purchase. Some borrowers will seek a partner to contribute the remaining funds or others will use other properties as collateral to borrow the remaining funds.

On some rare occasions lenders will use an alternative ratio called the after repair value. This is basing the value of the property on its potential value after the buyer makes the repairs. It works in the borrowers favor as he or she is able to get a larger amount for the hard money loan. The down side is that this type of loan poses a greater risk to the lender who is likely to demand that the borrower pay a higher interest rate as compensation.

Hard Money is Always Secured

Understanding that hard money loans Arizona are all based predominantly on the value of the property being purchased is Important. It is also important to know that the lender will only offer a percentage of that property value as a way to ensure that the property is always worth more than the balance of the loan. This is so that in the event of a default on the loan, the lender can sell the collateral property and recover the full loan amount.

More Risk=More Cost

Hard money lenders are in business to make money just as real estate investors are buying properties to make money. All lenders calculate the amount of hard money loans Arizona in the same way. The only reason that some are willing to offer a higher percentage is because they are willing to assume a greater risk. And in return for that greater risk, the lender is going to require that the borrower pay a higher interest rate on the loan. But if you have no other way to secure the funds needed to close the deal, then paying a higher interest rate is better than losing the deal all together. You will always have the opportunity to refinance the loan in a more traditional manner at a later point in time to improve the interest rate.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

Tips to Obtaining Hard Money Loans Fast

Hard money loans are used for short-term projects, usually ranging from as little as 30 days to 5 years. But these loans also come with higher interest rates. But if you need to get extra finances quickly, this type of funding is the right choice for you.

Fast approvals are usually quite easy when it comes to hard money loans. On top of quick approvals, these loans also come with high flexibility and less documentation is required for approval. Usually they are used as a last resort when unable to get a mortgage, but it can be well worth it.

If you are looking to finance a real estate investment, this type of funding is very beneficial in its own ways. The application process is much shorter compared to other loans. Financial history of course does play a role, but other factors come into play as well. Many lenders aren’t concerned with the present value. Their main concern is to see that in a short time, they will be able to make their money back on the investment, including interest.

Since lenders are looking more at the final project, making plans for the property plays a big part and can help you get hard money loans even faster. Most of the time, funding is provided in just a couple of weeks. But if need be, you sometimes can get the funds as little as just a few days, all depending on the lender and certain circumstances.

The first thing to do to obtain a loan quickly is to gather all of the important documentation.

Gathering all of the important documentation and information needed for lenders is one of the most basic factors for a speedy process. Things that lenders are looking for include: what kind of property you are looking to invest in (residential, commercial, industrial or land), the estimated value of the property, the requested loan amount and how the loan with be paid back (this includes the terms of loan, the length and monthly payments).

Not only is the process of getting funds quick, so is the application.

Unlike other loans, hard money loans come with much easier applications. In fact, the application is only 5 pages long. The entire process will even go quicker if you are able to present all of the information that the lender needs sooner rather than later. This is why organization of all of your documents and plans come in handy.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

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

How to Use an Arizona Bridge Loan to Make Your Dreams Come True

 If you are trying to buy and sell a home at the same time, an Arizona bridge loan can be a valuable tool to have. This type of short term learn can help make sure that you get your dream home with very few risks.

An Arizona bridge loan is a specialized short term loan that can be useful for real estate transactions. It is a short term loan that allows you to use the equity in your current home as a down payment on a new home before your current home sells. As the name implies, an Arizona bridge loan is designed to “bridge” the gap by giving you funds for a down payment. The loan is paid back with the proceeds from you home sale.

An Arizona bridge loan is a valuable tool because most buyers rely on the sale of their current home to come up with the down payment for their new home, however, it is not always feasible or ideal to close on the current home first. In a perfect world, you close on your home in the morning, have funds available by noon and close on your second home before the business day is over. But it very rarely works this way. More often, you close on your current home and have to find a short term rental for a month or two before you close on a new home. This is not only expensive, but it causes you to have to move twice and you are literally throwing money away by renting.

One solution to the problem is an Arizona bridge loan. A bridge loan bridges the gap by lending you the down payment for a new home that you then pay back once your home sells. The bridge loan is secured to the buyer's existing home. The funds from the bridge loan are then used as a down payment on the new home. Bridge loans are gaining in popularity as a down payment option because they offer flexible terms and are relatively easy to qualify for. Also, many lenders will not allow you to take out a home equity loan on a home that is listed for sale, so in many cases a bridge loan is the only option to come up with cash for a down payment.

7 Things to Consider if You are Thinking About an Arizona Bridge Loan

Like any loan, a bridge loan has certain risks and benefits. Knowing all your options and going into it fully informed will help you risk less and benefit more. Here are five important things to keep in mind if you are thinking about getting an Arizona bridge loan.

     1.     You will pay a higher interest rate. Like many short term loans, bridge loans have higher interest rates than 30 year loans. You usually have a grace period of 1 to 4 months depending on your loan terms and if you pay the loan back with proceeds from your home sale, you can usually avoid paying a lot of interest.

     2.   Qualification is usually an easy and painless process. Most lenders do not have set FICO scores or debt to income ratios for bridge loans. Instead, qualification is based on a complete picture of your finances and whether it makes sense to purchase a home before you sell your current one.

3.       A bridge loan can save you money. If you wait to purchase your new home until your old home sells, you may end up needing a short term rental. This is literally throwing money down the drain. Getting the right Arizona bridge loan and selling your current home quickly can actually save you quite a bit of money.

4.       There will be fees. An Arizona bridge loan has several fees associated with it. You will pay an administration fee of about $750 and an appraisal fee on your current home to ensure it is worth what you need to sell it for. In addition, you will pay wire fees, origination fees, and points which will be dependent on the amount of your loan. When all is said and done you will probably end up paying about $2,000 to secure your bridge loan.

5.       You can find your new dream home without the stress of having to sell your existing home first. You don’t have to wait or make unattractive contingency offers. You can purchase your new home immediately which will usually get you a better price and help make sure you get the home you want.

6.       You have to be able to qualify for two mortgages. A bridge loan can help you with a down payment, but you will still need to qualify for two mortgages and be able to make monthly payments on both if push comes to shove. However, most mortgages don’t require a payment for the first month so if you sell your home quickly, you can usually avoid double payments.

7.       A bridge loan can cause stress. If your current home does not sell quickly, you will end up paying the mortgage on it, the mortgage on your new home, and the payment on your bridge loan. Make sure to carefully evaluate your finances to ensure that you can make your payments for a short time if you need to. You can also help eliminate financial stress by pricing your current home to sell quickly.

Once you have evaluated the pros and cons of an Arizonabridge loan, contact the financial professionals at Level 4 Funding to get your application started!

The sooner you apply for your bridge loan, the sooner you can get cash in hand for your down payment. Don’t let your dream home slip away because you are waiting for your current home to sell. Find out the benefits of bridge loans today! 

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
www.Level4Funding.com

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

  

Is it Possible to Get a Home Loan for People with Bad Credit?: Does the Bad Credit Mortgage Loan exist?

Bad Credit Mortgage Loan

Chances are, if you are on this webpage, then you have been thinking about buying a home, but times have been tough. You might be worried about your credit. We all are really. The economy tanked and a lot of us lost the credit we had and found ourselves in situations we really never thought we would be in, but here we are. That’s why the home loan for people with bad credit exists.

The bad credit mortgage loan is here for good people like you who may have been down on their luck for a while, but who are restructuring their lives and want a new home to go with it. Private money lenders Arizona wants to help you get back on track, you don’t even need the best credit score. Not even close.

You may be a little confused about what a hard money loan can do for you so allow us to explain; the home loan for people with bad credit is exactly what it sounds like. Private money lenders Arizona want to help you get the house of your dreams with a bad credit mortgage loan. There’s no stressing about your credit score like at banks. You don’t have to stress at all. We just want to see you happy with a new home.

Start thinking about all the amazing times you can have in your new home when you get your home loan for people with bad credit. We are here to help you get back on track the best that we can. Don’t hesitate to get your bad credit mortgage loan today. It could be the best thing you’ve ever done for yourself and your family.

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

Want to Buy a House with a Home Loan for People with Bad Credit?: Understanding a Bad Credit Mortgage Loan from Private Lenders Arizona

Bad Credit Mortgage Loan

If you have ever even thought about buying your home, but you’ve been too worried about your credit score, do not fear. There is a way to buy your home without a great credit score. Private money lenders Arizona want to give you the home loan for people with bad credit so that you can get your life together again and live in the home you deserve to live in.

There is a way to bypass your credit score and get the bad credit mortgage loan you need to get the home of your dreams. Banks can be awful and not at all forgiving. If you think banks are the only way you can get your new home, you are wrong. Private money lenders Arizona want to give you the home you deserve even with the credit you have right now.

We know the economy really sucked the life out of a lot of people’s credit scores, but you can stop worrying that your life will never be the same. You can still have the home you want when you get your bad credit mortgage loan. You can get your life together again and have the option of choosing where you want to live because you can get a home loan for people with bad credit from private money lenders Arizona without any hassle and without any worrying and without all the paperwork that comes from dealing with a bank who might not give you your money anyway!

If you’ve been nervous about applying for a home loan because of your credit, you don’t need to be anymore because home loans for people with bad credit do exist and we want to give it to you so that you can be happy in the house of your dreams with your family again.

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

Getting a Home Loan for People with Bad Credit: Why Do You Need a Bad Credit Mortgage Loan?

Bad Credit Mortgage Loan

The economy made everyone a little worried about their credit. Maybe some bills slipped by the wayside and you ended up having to sell your house. You might think there’s no return from that because your credit is so bad, but you’re wrong. There is always a way out. Private money lenders Arizona can give you the bad credit mortgage loan you need. You don’t even have to go to a bank and fret in order to do it.

Traditional bank loans are annoying. They take forever, there’s a lot of paperwork and in the end, you may not even get the loan you were after. That’s where we come in. Home loans for people with bad credit are in fact available, and we’re the ones giving them out. We want you to have a bad credit mortgage loan. Why? Because this bad credit mortgage loan will get you unstuck. It will get you feeling better in the house you always wanted. No need to mess with banks. No need for stacks upon stack of paper work. Just get the home loan for people with bad credit and then get the home that you want. It is that easy.

If you think you don’t have the credit, stop worrying. If you think you’ll never get the loan, stop worrying. You can get the house you want and the life you want, all you have to do is find private money lenders Arizona and get your bad credit mortgage loan today.

Yes, getting a home loan for people with bad credit is that easy. There’s no big wait. There’s no wondering if you will get the loan. We can have you and your bad credit mortgage loan ready in a lot less time than a traditional bank loan. Contact us today to get started.

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

Getting a Home Loan for People with Bad Credit: Do You Need a Bad Credit Mortgage Loan?

Bad Credit Mortgage Loan

The economy really put a lot of people into a bind. Everyone suddenly had bad credit, which meant that the banks weren’t as open and willing as they used to be to give out loans for new homes. It has been a long and rocky road for those whose credit went down with the economy, but private money lenders Arizona is here to help you with home loans for people with bad credit. 

If you have had your eye on a house for a while but you haven’t had the credit, now is the time to get into contact with us and get a bad credit mortgage loan so you can provide your family with the home that they can feel good about. Now is the time to take that next step in getting a home loan for people with bad credit. It’s something that the bank can’t give you, but we can.

Banks can be a huge hassle and can be a giant waste of time. There’s tons of paperwork and tons of people with bad credit applying and the banks are denying each and every one of them, but not after a long waiting time and lots of signatures here, there, and everywhere. Instead of panicking, come to private money lenders Arizona and get a bad credit mortgage loan so you can start anew and be happy.

Bad credit mortgage loans are perfect for people who want to get a fresh start, but the banks won’t let them. We know you deserve a second chance. Come to us and get it. Come to us and get that money you need to get the home you want when we give you a home loan for people with bad credit.

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

Join Our Mailing List

Email:

I want a bad credit mortgage loan. : What should I know about home loans for people with bad credit?

Bad Credit Mortgage Loan

So you want to buy a new home but your credit isn’t so great because the economy isn’t so great. We definitely know how that goes. That’s why Private money investors Arizona want to help you get the home that you want and deserve by giving you a home loan for people with bad credit.

We know this economy has been tough, we’ve been through it, too. And now we want to help you get back on your feet and into the home of your dreams with a bad credit mortgage loan that will really perk you up. If you’ve even been thinking about how badly you want a new home, then now is the time to stop what you’re doing, stop doing research and call, because can handle everything from here and offer you a home loan for people with bad credit.

We will take all the pressure off of you. This isn’t like a bank where you will have tons of paperwork and quite possible, not even a loan to show for it. Instead, we will give you the bad credit mortgage loan that you want and need in order to get the home of your dreams that you want and need.

Don’t stress that you might need a bank loan because you don’t need a bank loan to get the home that you deserve, even in this economy. Let’s get going on your bad credit mortgage loan today! The faster you do, the faster you can get yourself into the house you always wanted. No need to worry about your credit score and no need to worry about the past. Everything starts right now with your home loan for people with bad credit from private money lenders Arizona.

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

I Want a New House and a Home Loan for People with Bad Credit: How do I get a bad credit mortgage loan?

Bad Credit Mortgage Loan

It is not news; the economy has been bad. It used to look better. You should have seen it back then. Lots of people have had trouble. You aren’t alone. Know that when your finances tanked, so did a lot of other people’s. But banks are still uneasy about giving out loans. It’s the sad truth: the economy needs energizing and you need a new home. That’s where we come in because we are offering home loans for people with bad credit and we want to give you one.

It’s always been difficult to get a tradition loan from the bank, but now it’s even harder. No longer can you walk out with the money you need in an instant. Not in this economy. It takes a long time to get through the paperwork, and when you do, you’re lucky if you walk out with money since not many people do. With home loans for people with bad credit, you get the money you need for the house that you want. It’s hassle free and it’ll get you back on your feet and ready to feel good about where you live again.

So what can you do to get a bad credit mortgage loan? Contact us immediately so we can get you started. We want you to have that house you’ve had your eye on and we want you to feel great when you do it. We want to hang you that home loan for people with bad credit so you can get that house and live happily again. The bad economy doesn’t have to be the end of the road, not for you.

Private money lenders Arizona are here to help you get a home loans for people with bad credit. We are here to help you reach your goals. All you have to do is reach out to us.

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

Thinking About Buying a Home but Need a Bad Credit Mortgage Loan?: We Have Home Loans for People with Bad Credit

Bad Credit Mortgage Loan

Back in the day, it wasn’t too difficult to get a traditional bank loan. However, times have changed. Now a traditional bank loan can be a daunting and frustrating task that take an extremely long time. Not to mention it is extremely difficult to get when you want to buy a house.  A traditional bank loan is complicated and time consuming and that equals some big annoyances for you and your finances. If you are worried because you have less than stellar credit but you still want to buy a house, it is time to consider home loans for people with bad credit. That’s where we come in to help you.

Getting the money to buy the house of your dreams shouldn’t be so difficult. Everyone has the right to a house they love. Stop worrying so much about your credit score. We aren’t bothered by it when we give out home loans to people with bad credit. We know that everyone deserves to have the house of the dreams and a second chance. We give that to you with a bad credit mortgage loan. We give you your life back and the opportunity to feel good about yourself again.

Don’t worry about what the bank say and don’t worry about what the credit score says. Private money lenders want to give you the opportunity to have a house and a home and a good life again with home loans for people with bad credit. We want you to have a little relief in this economy. Even though your finances took a tumble, it doesn’t mean that you can’t finance a house. Come to us for bad credit mortgage loans and start living like a person again when you take pride in your new house.

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 for People with Bad Credit: Bad Credit Mortgage Loans are Available For You

Bad Credit Mortgage Loan

Traditional bank loans are time consuming, full of hassles and aggravation and the chances of you getting the loan you need aren’t very good because in this economy, the banks are scared and they don’t want to help anybody. If you are looking for a home loan for people with bad credit, then continue reading because we have everything you need to get the home you’ve had your eye on.

We know that it used to be simple to get that traditional bank loan. Now, however, it isn’t so. When the economy tanked, a lot of people had a difficult time staying afloat. That’s where private money lenders Arizona comes in to help you get a home loan for people with bad credit so that you can start living again, but this time in the house you’ve wanted for a while.

Skip the paper work of the traditional loan and get a bad credit mortgage loan faster than any other kind of loan out there. We want to get finished with signing the loan paperwork and into that house fast because we know you deserve a second chance. We want to see you and your family happy again. We can do that for you with home loans for people with bad credit. 

Get the money you need –fast- and get settled into that house and begin to feel at home again all with a simple home loan for people with bad credit. Find a private money lender Arizona and skip the lines and the annoyance of the bank. Everything you need will be in your bad credit mortgage loan that we give to you. You will get to have that second chance to feel like a human. You won’t need a big bank to validate you. We know that you should get that house. So stop what you’re doing and get you home loan for people with bad credit today so you can start living the life you’ve been wanting to live.

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

No Games When it Comes to Home Loans for People with Bad Credit: Get a Bad Credit Mortgage Loan Today

Bad Credit Mortgage Loan

Banks have made it increasingly difficult to get that home loan you need to buy the house you want. Credit scores have plummeted with the economy and if you have been worried that you may never get the home of your dreams, now is the time to ask private money lenders Arizona about the home loan for people with bad credit. If you stress about your credit and how you can ever bounce back from this economy, we are here to help. Your home is within reach if you get our bad credit mortgage loan. 

Banks haven’t been helpful. They turn away more people than they help in this economy. When the economy took a turn for the worse, many people went down with it. That’s no reason to be ashamed or bashful about getting a bad credit mortgage loan. We want to help you. We won’t be like a bank who has you fill out a million piece of paper before telling you that we can’t give you a loan. We want to give you a home loan for people with bad credit so that you can restart your life with a beautiful home.

Don’t hesitate to call. We have home loans for people with bad credit that we want to give to you so that you can get the house you’ve wanted for forever now. Get back to being happy at home with a bad credit mortgage loan from private money lenders Arizona.

Your credit is not a problem. You can relax a little knowing that private money lenders Arizona can provide you with bad credit mortgage loans that will help you get your world back in order. Maybe this time with a storage shed in the backyard.

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

In Need of Home Loans for People with Bad Credit?: Bad Credit Mortgage Loans Available Now

Bad Credit Mortgage Loan

If you are thinking about buying a home, but due to bad credit or no credit, you have no idea how to make this dream a reality, then private money lenders want to help. They are currently offering home loans for people with bad credit so that anyone can get the house that they really want even in this tough economy.

If you thought you could never have the house you wanted because of your credit, you are wrong. We have home loans for people with bad credit right now and we are ready to help you out of your predicament. We want you to feel at home again in a new home of your own.

Don’t let banks intimidate you anymore! Bad credit shouldn’t scare you because we have home loans for people with bad credit. We understand that banks can be difficult to work with. Often times there is a lot of paper work and very little payoff, especially for people who didn’t do well when the economy fell. Let us help by giving you bad credit mortgage loans and helping your family move on up after a bad economy collapsed and took many people’s dignity in the interim.

If you were affected by the economy and you felt like you wouldn’t have a second chance, your time has finally come. We want to give out home loans for people with bad credit, and we want to give these bad credit mortgage loans to people like you. You can have the life back that you once had again. There’s no reason to go to a bank and feel like a failure. You can feel like a person again. All it takes it getting the courage to contact one of our private money lenders Arizona to get you home loan for people with bad credit.

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 for Home Loans for People with Bad Credit?: Bad Credit Mortgage Loans Available

Bad Credit Mortgage Loan

If you are looking for the home of your dreams, but you are worried that your credit isn’t good enough, then we have a great thing to introduce you to. Private money lenders Arizona wants to help you get the bad credit mortgage loan that you deserve. No more waiting around for banks. No more worrying about your credit. All you have to worry about now is what day you want to move into your brand new house.

The market went right into the ground a few years ago and so did a lot of people’s credit scores. This was embarrassing to many as they struggled to pay the bills and may have even had to downsize their home. That’s why bad credit mortgage loans are so important during this time. As we get the economy back together, we want to give out home loans for people with bad credit because everyone deserves a nice house they feel good in. But banks aren’t quite ready to trust people yet, so it’s a lot of paper work with not much pay off, maybe even literally.

If you are thinking you want a new home, but you have no idea how to start, let us recommend a home loan for people with bad credit. You will get the house you want faster than you would with a traditional bank loan, there will be less paper work, and we won’t intimidate you. We will make thing easy.

So get your finances back on track with a home loan for people with bad credit. With just one bad credit mortgage loan, you can get back your happiness and get into a brand new home that you’ll love for generations and generations.

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