If you have the perfect piece of property to build your dream house on, get yourself a hard money loan.

Have you found the perfect place for a home you’re your family can grow in, but you don’t have the money? Then an hard money Arizona loan might be the best thing that ever happened to you.

If you are looking for a piece of property for the intent of building your own beautiful home, but you don’t have the money, then look to hard money Arizona for the loan that could build your dream home. Remember that there are a lot of different hard money Arizona lenders out there and you should know some basics before you dig into a search for your new loan to build your new house. Know these things so you can take advantage of them.

In order to get the hard money Arizona loan for the property you have found, remember that each hard money lender will have one fo their specialists evaluate that property space with their own methods to determine the value. This loan is not based on credit at all!

You do need to make sure you do your work, too, however. Come prepared with a proof of funds list if you can, financial documents, and spreadsheets that provide details on the property. The more information for the hard money lender Arizona you have, the more likely you will receive the money you need. Hard money Arizona lenders are professionals who know the real estate business really well. That’s why they can give you the best loans that a bank simply cannot.

Make sure, however, to keep in mind just how many this loan will cost you and what profit you will make. Getting a loan is enough of a challenge, so make sure you are totally prepared.

In your spreadsheet, make sure to keep in mind to include all of the following costs: Purchase price, Rehab costs, monthly debt payments, points, title fees, Realtor fees, attorney fees, recording fees, property taxes, and insurance fees. These should be all costs that relate with your deal.

Hard money Arizona has its advantages. As long as you are smart with your choices and decisions, and come prepared, you will be happy with the end result.

Big Daddy Dennis

Level 4 Funding LLC

23335 N 18th Drive Suite 120

Phoenix AZ 85027

623-582-4444

What every person should know about hard money loans

What do you know about Arizona hard money loans? Not that much? It’s time you learned!

To start, Arizona Hard Money Lenders generally allow Real Estate Investors to borrow a certain percentage of the purchase price and rehab costs (usually around 70%). This is without any credit or credit history checks, so don’t worry if you've been slacking a little, this will not effect your loan.

However, please note that before you consider any particular lender in Arizona, you really should be sure to be familiar with their terms and rates so you don’t have any trouble when you do get that loan you deserve for your dream house or business property. Obviously you will need to contribute by paying the closing costs and the ability to service the debt monthly.

Unlike banks, most of these loans are asset-based loans, not credit. However, while there is a growing trend of Hard Money Lenders looking at your credit score. You may wonder why this works out the way it does. We are here to tell you about the hard money lenders Arizona and that main reason is that lenders are discovering many loans that they have made over the last 2 years took longer to get paid off than the initial term they were issued for. So now lenders want to know if you can’t pay the loan off in this time period.

Please note, however, the difference between soft money and hard money. Soft money,a s the name might hint, is easier to obtain than hard money for several reasons. Hard money is typically private money and this loan comes from less traditional forms, whereas soft money is merely the opposite. With Arizona hard money, you are paying for the ability to get a loan based on the property itself.

Arizona hard money lenders are making loans to people and on properties that bank would never consider lending money to! It’s a really great thing. Moreover, you are also paying for speed! If you have a property you need to close in 7, 10, 14 days – do you think your bank would meet those times for a conventional loan? You are paying for the availability of funds in a short time frame so that you can have the home or property you love.

Remember to do some more research on Arizona hard money before you commit to them. They also have their advantages that can benefit you and fulfill your needs.

Big Daddy Dennis

Level 4 Funding LLC

23335 N 18th Drive Suite 120

Phoenix AZ 85027

623-582-4444

Need a loan? Hard Money Arizona is the way to go!

Not everyone’s credit is fantastic. Sometimes bills slip through the cracks by accident… sometimes on purpose if you can’t always pay them. Does this sound like you? Is your credit score or history horrendous? That could make getting a loan difficult. However, this is only so if you go through a traditional bank. Instead, put your trust into hard money loans Arizona. With hard money loans Arizona there is absolutely no need to worry.

You are not alone. There are many people, like you, who have the same credit issues. We are going through a tough time!

You may have heard of the term hard money. It may even strike you similar if you have heard of “Private Money” or “Equity Loans.” These types of loans are unlike your typical loan from the more traditional route of a bank. Instead, these loans are loans that spring from private sources such as investor's personal funds, pension plans and other non-traditional sources for your new home, business, or commercial property. Arizona hard money lenders are available to help.

You could qualify for a loan. If you do, then you have the luxury of receiving your money within 24 hours from a hard money loan. This really makes it convenient for you so you can get started on building your home or project you have been planning for ever since you can remember.

Hard money Arizona is in your grasp! Here is how you can get one.

Having bad credit doesn't matter when it comes to your hard money loan. Hard money Arizona  is a fast, twenty-four hour easy turnaround and easy  process for attaining a loan. All you have to do is search for the closest hard money Arizona lender by you. Then begin your process. You will see how easy it is! The lender simply get to know you, ask you some questions, then come out for an evaluation of your property. It’s that simple!

When the lender has all the information they need, they tell you within thirty minutes if the loan is yours. That’s it! Just thirty minutes. No waiting games. No time wasted.

The faster you call, the faster you will have money in your hands.

Big Daddy Dennis

Level 4 Funding LLC

23335 N 18th Drive Suite 120

Phoenix AZ 85027

623-582-4444

It isn’t too hard to get a great loan at up to 70 percent.

How do you get a great loan at up to 70 percent? That’s easy - get a hard money loan.

Just search for hard money Arizona loans.

Do you qualify for a hard money loan?

Maybe. Hard money lenders usually give our loans for the following reasons:

• You are building a new home
• You are in the rehab or fix/flip business
• You need short term financing
• Your credit is not so hot
• You are building a new office
• You are building commercial property.

But why a hard money loan? Why not a traditional bank loan?

Traditional bank loans are time consuming and a vast majority of the people who apply to one get turned down because bank loans are given out based on credit rating and your history. Hard money loans are not.

Arizona Hard Money

Hard money loans are from individuals with cash on hand, not banks, and based instead on several factors, none of which are credit based. The justification of lending you a loan is actually based on your equity and still not credit. Hard money loans Arizona is an easy way to attain money fast and quick. No credit required, which is nice in this day and age. With a loan that is based almost entirely on home and property and the project at hand, you can feel a little better and rest a little easier.

Want a hard money loan in Arizona? Just Google it! The rest is easy. Hard money lenders are in your area right now and just waiting to assist you with the loan you need to grow your business. Simply type hard money loans Arizona into an internet search and you will have everything you need to get a hard money loan in Arizona right at your fingertips.

To get the loan, contact the lender and give them your basic information, then the lender will come to the property to evaluate it and have you sign some documentation about your financial records. The hard money lender will go into action quickly. They are fast and will have an answer for you within thirty minutes. If you qualify for the loan, you can usually get it within 24 hours. It is that fast! 

Getting a Hard money loan in Arizona is simple! If you struggle with a bad credit score, don’t worry anymore. You can get a hard money loan and get everything you need to get that home or property you always dreamed of. 

Big Daddy Dennis

Level 4 Funding LLC

23335 N 18th Drive Suite 120

Phoenix AZ 85027

623-582-4444

GET OUT OF DEBT NOW! The Inflation is coming!

Get out of debt and get rid of the credit cards! Pay them off. Dennis Dahlberg is Level 4 Funding’s General Manager Hard Money Lender and he predicts inflation is making a come back. He stresses to make purchases, but only if you have the cash. Do not get into any debt! And if you are in debt, start trying to make your way out.

However, don’t start to think that one way of getting out of debt is to let your house go. Have you considered loan modification such as HAPR 2? It’s possible! Try it out.

If you let the bank foreclose and you do ‘bail out,’ remember that you will not be able to purchase a home for 5-7 years, maybe even never again because inflation will come back.

That means that the value of the dollar will and will drop and it will drop dramatically. This could this change maybe… like maybe if America chooses to cut spending and raise taxes, cut medical/social security, and increase the tax rate by 45%? But Dahlberg doesn’t think this will happen. Instead, Dahlberg the amount of debt in the USA will continue to grow. He believes you should hang on to your house if you can. Otherwise, in 5-7 years, you can see the cost of bread rise to $10, Gasoline to $25/gallon, and the average starter home price will be $600,000.

Dahlberg also encourages people to start a side business for the potential tax advantage and the possible income it could provide. He explains that your own side business is the LAST area the government has yet to attack. Make it simple and get going. An extra $400 per month really helps.

Dahlberg says he has spoken to a lot of people who feel that they can ‘let their home go and rent for awhile’. Why not, they say, as rental rates are lower than their mortgage rates. ‘We can save a lot of money by renting vs. paying the mortgage, and in 2 years we can purchase again and have a good down payment.’ You might say.

Maybe. But as we said before, it’s actually going to be 5-7 years before your credit report looks good enough to purchase a home again. And can you really save the money? Most people will spend the money on silly things. If hyper-inflation hits, like some economists predict, then you’ll be priced out of the market. Do you want to take the chance? Keep your home, do a HARP 2 loan modification, and hang on – the next 5-7 years are going to be enjoyable.

Dennis Dahlberg is General Manager of Level 4 Funding, with many years of flipping and fixing real estate experience. He knows what he’s talking about.

Is There Going to be a New Boom in the Phoenix Real Estate Market?

The inventory is too low and there are not enough buyers in the Phoenix Real Estate Market- this means that the Phoenix Real Estate Market is on the verge of a new boom in real estate values.

Dennis Dahlberg is Level 4 Funding’s General Manager Hard Money Lender and he predicts, "This boom is going to be different.” He goes on to say, "The last boom was fueled on greed of the consumer; this time it's going to be a supply problem. Over the past 6 years there was little construction or movement of dirt, leaving the Phoenix housing market starving for new homes. Additionally, home values are raising dramatically, and once the current home owners get above water (have equity) they are going to want to move up. We're going to have a trifecta or the perfect storm-no homes, pent-up demand, and record low interest rates. And if you throw a little inflation on top of the mix - watch out! Bam! its going to be a wild ride - a wild west ride!"

With the low inventory and way too many buyers, the market is lopsided and Dahlberg believes the Phoenix Real Estate Market is on the verge of a new boom in real estate values. Dahlberg has many years of flipping and fixing real estate experience so he has a very good grasp of the Phoenix Real Estate Market.

These findings are based on the data provided by S&P Case Shuller, the bottom is over and we are moving up again and this time it's going to be even bigger! (For a high resolution  [click here  Real Estate Values])

It appears the real estate market in the Phoenix area is heading up. But now some questions rise: Is it time to buy real estate again? How long will it take to come back to normal? Should I get out of the market and wait? These are not the easiest questions to answer but Dennis makes these recommendations:
-- Phoenix home values will not return to the trend line for another 1-2 years. Latest trend shows Phoenix back to the highs starting July 2014!
-- These upturn in values are due not to greed but instead to LACK OF INVENTORY AND RECORD LOW INTEREST RATES.
-- Keep your home if you can. Do whatever it takes to keep the current home. Once inflation hits, it could be difficult to get another.
-- Have you considered loan modification such as HAPR 2? It’s possible! Try it out.

If you do ‘bail out’ and you let the bank foreclose, you will not be able to purchase a home for 5-7 years, maybe even never again because inflation will come back. That means that the value of the dollar will and will drop dramatically. Could this change if America chooses to cut spending and raise taxes, cut medical/social security, and increase the tax rate by 45%? Sure, but I don't think this will happen. Instead, the amount of debt in the USA will continue to grow. The amount is very frightening. So hang on to your house if you can. Otherwise, in 5-7 years, you can see the cost of bread rise to $10, Gasoline to $25/gallon, and the average starter home price will be $600,000.

Should I Let My Home Go?

Dennis Dahlberg is Level 4 Funding’s General Manager and he has some thoughts. “With low inventory and too many buyers, we believe the Phoenix Real Estate Market is on the verge of a new boom in real estate values,” Dahlberg explains. He has many years of flipping and fixing real estate experience so he has a very good grasp of the Phoenix Real Estate Market. He speaks wise words.

Dahlberg goes on to say, “I've talked to a lot of people who feel that they can ‘let their home go and rent for awhile’.  Rental rates are lower than their mortgage rates, but we can save a lot of money by renting vs. paying the mortgage, and in two years,” says Dahlberg. This doesn’t seem like the best plan. Why not? You might ask.

Dahlberg has the answer. He points out that “If you let your home go, it’s actually going to be 5-7 years before your credit report looks good enough to purchase a home again.  And can you really save the money?  Most people will spend the money on toys.  If hyper-inflation hits, like some economists predict, then you’ll be priced out of the market. Do you want to take the chance?  Keep your home, do a HARP 2 loan modification, and hang on.”

Remember that even though rental rates are lower than their mortgage rates, it doesn't mean that letting your house go is the best option. Let us repeat that it will be 5-7 years before your credit report looks good enough to purchase a home again and by that time, it may be too late. Especially if hyper-inflation hits.  Some predict that at this rate, in 5-7 years, it will cost $10 to buy a loaf of bread.  Gasoline will cost $25/gallon. And the average starter home price will be $600,000.

That is a chance Dahlberg doesn't think many should take, especially if they have a family. Keep your home and do a HARP 2 loan modification. It will be worth it.  loan modification. It will be worth it.