If Your Hard Money Lenders in California Are Compared to Ezuabo—That’s Not A Good Thing!

Hard money lenders California—For every success story and for every honest lender there is a story about a dishonest one. The story of Ezuabo is one of the dirty ones.

When people talk about—well, just about anything, they will compare it to something else. It’s like by comparing one thing to another thing, which people are more familiar with, we can understand how beautiful or terrible something is.

For example, how many times have you heard a tired person talk about drinking a good cup of coffee and how the “fog suddenly lifted?” Have you ever heard something that just walked into the room, joined a conversation, or been hired on described as a “breath of fresh air?” Or how about the teacher that’s as mean as the Wicked Witch of the West?

Get the idea? So—with that in mind—if any of the hard money lenders in California you are considering going with have been described as “similar to Ezubao”—run away. Run far away.

The Story Of Ezubao

At first, the story of this hard money lender in China was your typical rags to riches kind of story. It’s founder, Ding Ning, was a 34-year old high school dropout. He opened the company in numerous cities and took out some expensive ads to promote the venture. It wasn’t your typical lending company, though. No, it focused on working with individuals with poor credit histories that could not get approved for a traditional loan.

With over 1.3 billion people living in China, it is safe to say that there were thousands if not millions of people seeking out loans in China that fit perfectly into the segment of the population Ezubao wanted to target--or at least that was what Ning wanted his investors to believe.

Ning could justify the insane number of borrowers he claimed the company had because his interest rates were not higher than the banks like the typically are for hard money lenders in California, China, or anywhere else. They were lower than the banks.

So it was easy to imagine people flocking to Ezubao. If you could get your money faster and for less, why wouldn’t you go to them? Except people were not. Approximately 95 percent of the borrowers Ning claimed the company had were fake. In the process, over 900,000 investors lost $7.6 billion.

Could There Be A Hard Money Lender In California Like Ezubao?

Investors and lenders alike always have to be on the lookout for potential scams. These days they have become more and more elaborate and can be hard to pinpoint. But that is why there are as many regulations as there are for hard money lenders in California and across the country.

Could a scammer get his or her hands on the appropriate licenses to appear legitimate? That is always going to be a possibility, but if ever in doubt, refuse to take their word for it. Call the appropriate local or state agency that issued their license. If you still aren’t sure—go with someone else.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

New Trends In California Private Hard Money Loans Making It Easier For Dreams To Come True

If you have been thinking about going into business for yourself or flipping houses some of the new trends in California private hard money lending may encourage you to quit thinking about it and do it.

We all want to make more money. We want to be able to say we don’t depend on anyone to provide for you and your family. We all want to be good providers and not have to worry about whether we will be able to buy food for our families.

However, for many of us, if we lose our jobs we may be okay for a few weeks or a couple of months, but if we don’t get a new job quickly, we are going to be in trouble. That possibility makes the thought of going into business or investing in something like house flipping more appealing.

But then we know that our bad credit is going to keep conventional lenders from approving our loan application. That is where the friendly, neighborhood California private hard money lender comes in handy. With some of the new trends in hard money loans, the option is becoming more appealing.

New Trends in Hard Money Loans

Getting a loan from a traditional lender or bank is often preferred, but they can take a long time and if you have questionable credit or insufficient income history chances are good you’ll get rejected. Thanks to California private hard money lenders, the dream doesn’t have to die. Yes, it may cost you a little more, and you may need more money of your own upfront, but you can get approved in spite of the issues a bank may have with you.

With some of the new trends in hard money loans, the option is looking better:

• Decreasing rates: What keeps many from even considering applying for a hard money loan is the higher interest rate. But as the housing market stabilizes and interest rates go up, the rates for private hard money lenders will go down (because more people will find success with bank loans). They will still be on the high side, but they will be lower than what they have been.

• International Lenders: More and more international-based lenders are starting to get involved in the U.S. loan market. They see an opportunity and want to cash in. For investors, it means more competition among lenders for your business which translates into better terms for you.

• Commercial Loans: If people are finding success with California private hard money loans for individual purposes, it stands to reason that they could work for business purposes. This, of course, means you take out a larger loan at a higher interest rate. But if the bank says no, what other choice do you have? With more lenders willing to take that chance, why shouldn’t investors?

• Crowdfunding: While not exactly private hard money lending, it is pretty similar and becoming more common. However, the option may go away in the near future depending on how lawmakers deem regulations apply to it.

Don’t Let Fear Of Rejection Hold You Back

It can be very hard to handle the thought of being rejected for a loan. You go through all the work that it takes to get to the point where you need the money only to get rejected—it’s devastating. But with hard money loans becoming a better option, there is no reason to let the dream die because the bank doesn’t see it.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

Private Hard Money—California is Calling

By now, you know that lenders that offer private hard money are everywhere. Moreover, you may have realized that you can decide which lender is best for your project in-state as well as out-of-state therefore if you curious about private hard money, California may be the place to start asking questions.

If you are like most business savvy individuals, you are probably asking yourself when is the best time to use private hard money. California lenders can tell you the best time to acquire private hard money financing is when you need to act quickly. In fact, you should be inclined to obtain this particular type of financing for such major projects as land loans, constructions loans, fix and flips, rehabilitation ventures, in the case of credit issues—this is all in addition to simply need to act quickly.

In addition to what types of deals or projects you should use private hard money for, it is also important to know why you are using this particular financing in the first place, right? Well, the truth is commercial real estate investors and trust deed investors, in general, have can list a number of good reasons for using private hard money. California investors, nevertheless, that it is mainly about time being of essence when it comes to their business ventures.

But, do not take their word for it instead just look at the facts. Traditional or rather conventional financing typically takes anywhere from 30 to 45 days to be funded. In that time, your particular business opportunity could have come and gone. What is more, is you are more than likely to lose that commercial venture to the next investor who chooses to use private money. Sadly, this happens time and again with less experienced business investors. Ultimately, if you are a seasoned investor, you already know what to do and if you are new to the game then it is definitely time to take notes.

How to Move Quickly on Investments

As you can see, moving quickly on an investment tends to be the name of the game. Moreover, with most investment properties you are dealing with multiple bids and high risks. Thus, going with traditional or conventional funding not only means you have to wait longer for your potential funds, it also means that you may not even be approved. Most borrowers, especially self-employed, have a colorful income history. Your income history may be colorful for a variety of reasons—maybe its credit issues or simply an insufficient income history. The reality is a colorful history does not sit well with banks. Thus, you should get ahead of this problem by knowing from the very start who you need to work with in order to obtain financing.

Advice

In the end, no matter what you decide or what the specific details of your particular situation are, you have to do your due diligence. So, make it a point to do your homework on your private money lending options as well as the other options available to you out-of-state. 

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

California Private Hard Money Lender—Negotiating a Win-win Solution

You’ve probably heard that the best deal you can get with a California private hard money lender is one that has a reasonable or affordable interest rate, which in many ways is true. But, that’s not the only thing a good deal is about i.e. there are few more things you should negotiate with your lender to get the best deal.

Dealing with a California private hard money lender means that you are dealing with a skilled, business-savvy individual who is no stranger to how private money or hard money works. Consequently, even the most transparent lender still needs to a decent return on their investment. In other words, you can easily work with a reputable lender to get the best deal for your commercial business venture. But, if you leave all the negotiating in your lender’s hands, you are more than likely putting yourself at a disadvantage.

Obviously, it is a win-win situation if you get the best deal possible and your California private hard money lender receives a profitable return. So, how is this all possible? Well, let’s discuss the ins and outs of hard money deals so that a win-win solution is in your hard money future.

For starters, you know that your interest rate matters. Thus, you clearly want to settle on a rate that you are comfortable—that goes without saying. Moreover, when discussing that lovely interest rate make sure to also inquire about your default interest rate. Your default interest rate is just as important as your regular interest rate because in the event that you breach the terms of your hard money loan you need to know how much your overall rate is going to increase. Furthermore, you should negotiate your points with your potential lender. Points are essentially fees that you are responsible for at closing i.e. part of your closing costs. In addition to agreeing on a fair and reasonable number of points, you should also try to negotiate your underwriting fee, referral fee (if applicable), renewal fee (fee to renew your loan for another term), foreclosure fees (this fee is added to your loan balance) and/or your late fees (if you are unable to make a payment on time) as well as really any fee that you are potentially liable for.

Loan Servicing Advice

With that being said, another important component of hard money loans is loan servicing. Typically, a private investor will cover this particular fee or rather pay the hard money lending company in the event that the hard money lending company is the entity servicing your loan. If another entity or a third-party is handling the loan servicing, then make sure you are clear on who is responsible for paying the fee. In most cases, you may not be responsible for this particular fee, but, nevertheless, it is important to double check so there are no surprises down the road.

Avoid the Pitfalls

Ultimately, these above-mentioned fees, rates, and points are crucial things to hammer out with your lender. So, do yourself a favor and make sure your deal is truly the best possible deal because you’ve covered all your bases.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

California Private Money – Rehab Loans

If you know a thing or two about California private money then you probably know that there are several different types of loans that you can get with this particular kind of financing. For instance, if you are looking for a rehab loan then your best bet in securing that loan is either via a private lender or a lender that offers hard money financing.

Rehab loans are essentially loans that allow you to modify an existing commercial property in order to increase the overall value or worth of the property. These particular kinds of loans are typically not so easy to come by even when dealing with private niche lenders that thoroughly understand your goal and business vision. But, just because it is more challenging to secure rehab loans with California private money does not mean it is impossible.

In fact, if you do your research you can find a few reputable private niche lenders that are willing to lend a helping hand. Generally, one of the best ways to find these kinds of lenders or any lenders for that matter is to first do an extensive search via your state’s lender directory or you can start small even by doing a cursory online search of private rehab lenders. With the online lender directory, you will be able to narrow down your list of potential lenders based on the loan amount desired, the type of project i.e. industrial, commercial, land or multi-family, etc. If on the other hand, you choose to do a cursory search via a search engine such as Bing or Google, you will find a variety of local niche lenders that may be of use to you. Moreover, you can also find your future private lender by referral if you are looking for options closer to home or without the hard money middle man i.e. obtaining financing from a business associate or family member, etc.

Regardless, of where or how you find your potential niche lenders, it is important to know what each specific lender expects. In other words, you may have found a few good California private money lending options that will ultimately result in you securing a rehab loan, so make sure you know what is required of you so your business remodel is quickly funded.

Rehab Lender Expectations

Of course, it’s important to note that private money, in general, is more flexible. Consequently, what one rehab lender will require or need from you another rehab lender more than likely will not. With that being said, it is still in your best interest to learn up front what each potential lender does or doesn’t need from you.

Things to Consider with Rehab Lenders

Lastly, when dealing with your private lender remember that they generally want to some protections in place just in case you do not make the agreed-to improvements. You should also consider the extent of the project, the upside to the remodel, your personal financials and the possible prepay penalties that your private lender has a right to impose if they so choose.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

California Hard Money Loans—How They Differ from Bank Loans

So you are exploring your financing options for your commercial business venture and maybe you haven’t even begun to see if you meet the necessary requirements for a bank loan since you’ve got your eye on a California hard money loan. Obviously, you need to choose the financing option that will work best for you, but it doesn’t hurt to know the difference between these types of loans.

If you are in the California area or are looking at commercial real estate in California, you are probably hearing a lot about California hard money loans these days. Moreover, with “harder to find financing for” projects in your near business future California hard money loans can sound like just the thing you need. But, have you compared and contrasted the differences between these particular kinds of loans and more traditionally-funded loans i.e. good old bank loans?

Maybe you have done thorough research on bank loans and maybe you haven’t—no one is judging you. But, with state lending laws changing practically every couple of years, you definitely should stay up-to-date on what your actual lending options are. With that being said, let’s go over some of the current bank loan basics.

OF course that’s not to say there aren’t a few bank loan basics that are forever. For starters, as you may already know, bank loans are either funded via bank money or through bank-approved third party institutions. Bank loan approvals are heavily based on your credit scores and bank loans are now more difficult to secure due their specific guidelines, many of which have been put in place by state lending laws. Other major difference between hard money financing and bank loans include the how much the borrower’s income factors into being approved, interest rates, closing costs and the underwriting process ---just to name a few.

Hard Money Expectations

So what can you expect with hard money financing? Well, obviously they are generally easier to get than bank loans as hard money is less regulated by state laws. Of course, hard money is often the financing of choice when you need your business venture funded sooner rather than later. Moreover, you can expect your income to not be as big a factor for approval as it is with a bank loan. However, what does matter more with lenders who offer hard money financing options is the value of your proposed collateral. In addition to the importance of collateral, interest rates tend to be much higher with hard money in order to compensate for the fact that they are sometimes approved almost instantly with loan terms ranging from weeks to several months. With bank loan terms you will typically see terms ranging from three to five years.

Closing costs and Underwriting

Lastly, closing cost for bank loans tend to range from two to five percent of the overall loan amount whereas hard money financing ranges from 3 to 10 points depending on loan amount. And in regards to closing cost, you will typically see banks using in-house software and lenders of hard money using third party underwriting service of their choosing.
 

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

California Private Hard Money Lender and You

When dealing with a California private hard money lender for the first time, you may feel like a fish out of water simply because you are used to traditional funding or financing options. But, just because this is new territory doesn’t mean you can’t quickly get up to speed in order to get the best deal and work with a reputable lender.

So you’ve got your eye on a reputable California private hard money lender, but you are concerned about what you are ultimately signing up for. Well, first off that’s a perfectly normal response that occurs with even the best referral. The good news is there’s no reason to panic or start your lender search over. If you were referred to a California private hard money lender by a business associate or commercial real estate broker then more than likely you are in good hands. The reason you are in good hands is because private lenders, in general, get the bulk of their business their already established borrowers and brokers know their reputation is also on the line when finding a lender for someone.

With that being said, obtaining private hard money financing is more about getting a deal that works for you rather than it is about finding a lender. In other words, there is no shortage of private lenders that are in the business of hard money. Thus, it is more important that you put most of your attention toward the best deal or terms for your project.

Nevertheless, it is important to note that by definition hard money financing is funding for business ventures that are unlikely to be approved by banks. Thus, you should really be looking for lenders that are familiar with industry or type of loan that you are trying to get. In fact, this why working with a niche lender is one lender-specific concern you should have.

The Benefits of a Niche Lender

Besides a niche lender understanding the ins and outs of your commercial business venture which makes the financing process more streamline, there are also other benefits to working with someone who, in essence, gets you. For instance, private lenders, especially when dealing with hard money loans, tend to handle the entire transaction i.e. from start to finish. This means they are not only creating your deal or loan package, they are also advising you, ordering appraisals, matching you will investors and so on. Thus, doing all this and more becomes a lot easier when your lender truly understands what you need and why you need it.

Advice on Buy and Hold Loans

One finally not in regards to dealing with private lenders and hard money financing, some business ventures or rather investments are fix and holds or fix and flips, multi-family units, etc. Generally, many people start wondering about buy and hold loans as a means for funding But, remember hard money financing from a private lender is simply too expensive thus you may want to consider a trust deed when using a private lender for a potential buy and hold venture.  

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.

California Hard Money Investors

By now you know that the wonderful world of hard money is more than just a world full of borrowers and lenders i.e. you know there another key player, especially when dealing with California hard money financing. So, let’s talk about those lovely investors and the best ways to invest in hard money.

Hard money financing is becoming the loan option of choice for many people for a variety of different reasons. But, the truth is most people simply want to move ahead with their commercial business projects on schedule without any unnecessary red tape. Of course, that lovely red tape that seems to go hand-in-hand with traditional lending options and banks is the response to the condition of the market meltdown, if you will.

But, market meltdown or not (which clearly things have been gradually improving since), business projects did not stop hence the rise of hard money financing, especially the rise of California hard money financing. With that being said, you may have wondered where all that precious California hard money comes from? Well, typically it comes from multiple investors or sometimes only one investor depending on the size or rather amount of the loan.

These particular investors are business savvy and know that hard money investing can be profitable as well as rewarding if they play their cards right. But, how do they play their cards right with such ease? Two words: due diligence. Due diligence basically, makes the world go round or rather the world of investing. But, nonetheless, it because these business savvy investors take the time to do their research, work closely with experienced lenders that specialize in this particular niche and carefully evaluate the terms of their potential investment that they are able to make money while simultaneously funding your commercial business dreams.

How to Make Money When Investing

In addition to working with experienced lenders and doing their due diligence, most savvy investors also seek advice from a third-party. In other words, a lender and an investor may seem like they are on the same page but it is always best to double check via independent counsel. Furthermore, independent counsel can ensure that personal guarantees are made when the investment requires them. Other ways that these commercial investors stay in the black by reviewing all documentation that is pertinent to their investment such as title endorsements, etc. and one way to stay on top of all relevant documentation is to work with a reputable loan service that they are personally comfortable with. Lastly, it almost goes without saying that these particular commercial investors never put all their eggs in one basket i.e. keeping things diversified is the name of the game and it always will be.

Risk less with Your Investments

Clearly, no investment can be made without some level of risk associated with it, regardless of how much due diligence and careful consideration occurs. But, an investor can increase his or her chances of making a wise investment that ultimately is a win-win situation for everyone involved by doing all that they can and by following the necessary steps mentioned above.

 

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
http://www.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.