What is Trust Deed Investing aka Investing in Deeds of Trust

Are you Investing in Deeds of Trust? 

Hello, Dennis here, have you ever considered investing in Deeds of Trust or Trust Deeds. And what exactly is a Trust Deed investment? Well, let me explain. 

Today there are many ways in which you can invest your money, such as the stock market, bonds, or even depositing the money into a bank. It's time to add one more to that list: Investing in Deeds of Trust.

This is a great investment for you - when you invest in Deeds of Trust, you become the bank. 

Investing in deeds of trust means that you are loaning your money directly to a borrower who is then purchasing real estate and giving you a Deed of Trust as security for the loan. 

You will receive payments from the borrower monthly, and at a very high interest rate; these rates vary from 10 to 29% for 6 to 24 months with very good loan to value ratios, typically 70% or less. 

Also, your money is secured by the real estate. 

This means that if the borrower fails to make good on the terms of the loan, you, as the lender, take back the real estate. You are then free to sell the home to recover your investment, past due interest, and fees. 

This is much more secure in comparison to stocks, whose value can rapidly decrease or simply vanish if the company goes out of business. When that happens you lose your investment and you are not able to recover it.

When compared to the bank, you are getting a higher rate of return on your investment, typically 10 to 29%. You can even drive by and look at the home in which you wish to invest. Next time you give your money to the bank for little or no interest, ask them if you can see where your money went. 

Trust Deed investments offer security on your money, a high rate of return, and best of all, it's backed up by the property.

If you are looking to invest in deeds of trust, see us at http://www.setabayloan.com or give us a call at six two three five eight two four four four four.

SetabayLoans

23335 N 18th Drive Suite 120

Phoenix AZ 85027

623-582-4444

Family Carnival for Safe Families for Children and Collective Hope

Orphan Care Carnival Benefiting Safe Families for Children and Collective 

Discovery Pointe Orphan Care Carnival
Saturday, October 25th at 4:00-6:30pm

Discovery Pointe Church

9812 W. Yearling Rd Peoria, AZ 85383

Silent Auction, Carnival Games and Dinner

All proceeds will benefit Safe Families Ministry, Collective Hope Ministry and local orphan care efforts within our own community.

What is Safe Families Ministry?

Since 2005, Safe Families for Children has offered sanctuary to thousands of children, minimizing the risk for abuse or neglect and giving parents the time and tools they need to help their families thrive. The ultimate goal is to strengthen and support parents so they can become Safe Families for their own children.  For More Information about Safe Families Ministry.

What is Collective Hope Ministry?

Our Vision:

To keep hope alive by serving the orphaned and marginalized children of Nepal.

Our Mission:

Our mission has two components:

1.  Through the establishment of a Collective Hope Home.  This would mean that Collective Hope would establish a home for orphaned and abandoned children in the Kathmandu area.  The purpose would be to provide a loving and safe environment for children as well as meeting the physical, emotional, spiritual and educational needs of the children.

2.  Through a system of Foster Care.  This would mean that Collective Hope would serve and support family members of children who have been orphaned or find themselves in a marginalized situation.  Collective Hope would come along side a family member of the child to assist them in caring for the child.

Supported by

23335 N 18th Drive Suite 120
Phoenix AZ 85027

What is a Sub Prime or Bad Credit Mortgage?

Sub Prime Mortgages are back (they really never went away).  But what is a Sub Prime Mortgage?

It’s a home mortgage loan for borrowers who have a credit issue giving them a low credit score.  Typically a credit score below 550.  Bad credit sub prime mortgages are easier to qualify, since the lender is focusing more on the asset value and loan to value rations.  They lenders are more flexible in the lending criteria. 

Bad credit mortgage loans have higher interest rates and higher down payments than regular mortgage loans. Typical rates as of today start at 8% with a 30% down payment. 

If mortgage is for an owner occupied home, then the lender will have to determine if the borrower can afford the payment on the loan.  This is called Debt to Income Ratio, or DTI.  The ratios are typically 35/50%.

In the mortgage world, there is a loan for everyone.

It just depends on down payment and interest rate.

However there are some items that will stop a deal dead in its tracks, even for a Bad Credit Mortgage.  Typically the lender will not loan if the borrower has outstanding judgments, IRS Tax Liens, or is involved in a law suit or criminal charges.

Most people prefer to use a bad credit mortgage loan simply to get into a home and help rebuild credit.

Bad credit (or sub prime) mortgage loans are specialized mortgage loans designed for borrowers with credit issues. Bad credit mortgage tend to have higher interest rates and higher down payment requirements than regular mortgage loans. The higher interest rates mean that bad credit mortgage loans also tend to have higher monthly payments than regular mortgage loans.

Level 4 Funding LLC
23335 N 18^th Drive Suite 120

Phoenix AZ 85027

www.Level4Funding.com

623-582-4444

Arizona Mortgage Loan Originator - Making A Lot of Money

PRIMARY OBJECTIVE:
Level 4 Funding LLC specializes in the Sub Prime and Private Money Lending Environment. 

You will:
Obtain and analyze customer financial and credit data.

Manage your personal loan pipeline.

Serve as the primary liaison with bowers and outside entities (realtors, title and escrow officers, etc.) and other company employees to facilitate a prompt and efficient loan closing

Negotiate terms and conditions of loan programs with borrowers.

And you will make a lot of money.

What we provide for you:
Percentage  1.5% of each deal.

In house leads. We are number #1 on Google.

Employee Benefits:
Sorry no benefits, you just make a lot of money.

You will have an office, but you can work independently away from the office.

Required Skills and Qualifications:

Must be licensed as a Mortgage Loan Originator (MLO) in Arizona

Must be able to close the deal.

Prior Loan Origination Experience

About Us:
Level 4 Funding is a Mortgage Broker Company with an array of in house investors and wholesale lenders.  We are in a niche market specializing in Sub Prime loans and Private Hard Money Loans.  FHA/VA – Sorry we don’t do them-- go work for Quicken.

We use:

Point Central, Caylix.

Level 4 Funding LLC

23335 N 18th Drive Suite 120

Phoenix AZ 85027

www.Level4Funding.com

602-580-0611

Using Hard Money to Purchase Your Fix and Flip

Is Arizona Hard Money Right For Me?

  

Sometimes people get confused about Arizona hard money, but it shouldn't be so difficult because Arizona hard money can provide the short-term money that individuals need to fix up or purchase a piece of property.

Arizona hard money can come in two forms; hard money lender Arizona and private money lender Arizona.

Hard money lender Arizona refers to a group of people who do not use conventional standards to loan money to borrowers and by that it is meant that hard money lender Arizona is not affiliated with banks. The loans hard money lender Arizona gives out are non-traditional loans, which makes them easier to obtain.

Private money lender Arizona is an individual who wishes to give out non-traditional loans. This private money lender Arizona could be someone that you know or it could just be an investor that you’ve met with who wants to join you on your real estate adventure.

Whichever way you choose, Arizona hard money ensures that investments happen relatively quickly. Arizona hard money is a loan solution that is short-term and over quickly, so higher interest doesn’t really matter. The credit history of a borrower doesn't make a difference because the Arizona hard money loan comes from a non-traditional loaner interested less in the credit and more in the property.

If you are looking for a quick loan for the property you have wanted for quite some time now, it could serve you well to begin looking into Arizona hard money for the loan that you want and need. Instead of dealing with confusing banking rules, get together with a private money lender Arizona or a hard money lender Arizona group and begin to plan out the remodeling of your brand new property. 

You will be glad that you chose Arizona hard money lender.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.level4funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

What is hard money? Benefits of a Hard Money Loan.

What kind of Arizona Hard Money do I want?

There are two different kinds of Arizona hard money that is available to you. Both are exceptionally similar, but they each have different benefits to the borrower. The two types of Arizona hard money are Hard money lender Arizona and private money lender Arizona. It is easy to get confused by the two, they are both practical kinds of loans, but the following will explain how they are different.

It shouldn't surprise you to find out that hard money lender Arizona and private money lender Arizona are both based on assets and have more to do with the real estate you want to invest in than with your credit score. These are both also loans that are not bank affiliated, so they are easier to obtain than your traditional bank loan.

However, hard money lender Arizona and private money lender Arizona do have some differences. 

For example, hard money lender Arizona happens to be a group of people, while private money lender Arizona is just one individual who gives out the loan. Typically, with a private money lender Arizona, you know the person loaning you money, but that isn't always the case with the group of investors in a hard money lender Arizona.

Both loans have quick turnaround despite their higher interest rate, but because of this quick turnaround, the interest rate makes little to no difference. The loans are also more flexible than your traditional bank loans, especially when you use a private money lender Arizona.

Consider these types of loans as you decide on rehabbing a property. It could make all the difference to your project and stress you out far less in the interim. Consider the flexible and safe Arizona hard money loans. Whether you go private money lender Arizona or hard money lender Arizona, you will be happy with the outcome.

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

The Benefits of an Arizona Hard Money Loan

Why Do I Want Arizona Hard Money?

Hard money lender Arizona and private money lender Arizona are similar, that’s true, but they are also different and sometimes people tend to confuse one with the other because investors sometimes use the terms interchangeably when they really shouldn't

.

While both hard money lender Arizona and private money lender Arizona are asset based loans that have more to do with real estate than the financial stability of the borrower, they are both also from non-traditional lenders, that is to say, they are nontraditional loans that are not given out by a bank.

So how are they so different? Well, for one, hard money lender Arizona happens to be a group of people, not just one individual as with private money lender Arizona, but these lenders are all licensed to loan money. It’s just a matter of what kind of lender you want.

However, Private money lender Arizona is just that, private. The private money lender Arizona could be absolutely anyone from family to a friend to your business associate or maybe even just a professional whom you were referred to. How you are funded is agreed to by terms set by the private money lender Arizona and nobody else. That makes the loan easier to obtain than say, a traditional bank loan. However, interest can be higher. However, since these kind of Arizona hard money loans are usually a quick turnaround, you don’t normally need to worry about that.

For this reason, private money lender Arizona can be more flexible than hard money lender Arizona as you typically know the person lending to you and you deal with them directly.

That being said, a lot of hard money lenders Arizona do get their funding from private resources, which is why the interest rate is often higher. Hard money lenders Arizona are also much easier to find. So go out and try to find it!

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