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Wednesday, April 8, 2015

Arizona Home Loan - Borrowers Can Still Get Arizona Home Loan If They Have Bad Credit

Home Loan Borrowers Can Still Get Arizona mortgages for bad credit


At Level 4 Funding, we believe there is no need to fret if you are in debt! New home loan borrowers can still obtain Arizona home loan or mortgages for bad credit or poor credit due to problems with debt. Debt should not be viewed as a scary thing, especially if you are buying a house. Like student loans, experts consider obtaining a mortgage as 'good debt'. Good debt is considered an investment and something that can improve your credit. However good credit is only considered good if you are able to pay off a loan responsibility. To lenders, consistent and timely payments on a substantial loan give a positive impression of the borrower. It proves to financial institutions that the borrower has a dependable payment history. With a significant and positive credit history, the borrower has an easier time being approved for any type of loan, including a mortgage.

The problem is when the credit history is scarred from late payments or defaulted loans. Such negative marks that result in bad credit can come from both avoidable and unavoidable tragedies, such a maxed-out credit card or serious medical situation. Despite whether a subpar credit rating came from an irresponsible or a necessary decision, there is still hope for new home loan borrowers to obtain Arizona Home Loan if you have bad credit.

First, what is considered a low credit score rating?

The difference between a low credit score and a bad credit score is difficult to define. This is because to some financial institutions, both situations are considered high risk. Therefore both low and bad credit scores are not favorable to lenders. Most likely individuals with low or bad credit score ratings will not be approved for a mortgage.

The breakdown of credit ratings is as follows:

750 and higher = Excellent
749 to 700 = Good
699 to 650 = Fair
649 to 600 = Poor
599 or lower = Bad

According to the above list, if your credit score is below 650, you are considered to be a high-risk borrower. However exacting scoring may vary depending on the lender you are seeking a home loan from. For instance, a 640 may be the cut off point for what is considered poor credit. In any case, with a poor to bad credit rating, you most likely will not be approved for a typical mortgage from a banking institution. However you may consider other loan alternatives.

Why you should consider Arizona home mortgages for bad credit


There are many options for new home purchasers with poor or bad credit history.  Lenders that accept bad credit ratings are often very flexible with your financial situation. As long as you have a good explanation for low score, offer proof of financial stability and have a significant down payment, you will likely be approved for alternative financing.


Speak to one of our friendly associates at Level 4 Funding, to learn more about our alternative finance options for bad credit. We will assess your individual financial circumstances and identify the right loan option for you. Don't hesitate in purchasing your ideal home today! 

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027



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Wednesday, March 25, 2015

Shopping for Arizona home Loans with Bad Credit


                Why live in Arizona? First of all, it is the home of one of the world’s wonders, The Grand Canyon. Arizona has the Sonoran hotdog (a local favorite) and does not observe daylight savings
time. Arizona is also a place that is perfect for those who want to live in the Old Wild West. Wine lovers can say goodbye to California for Arizona is said to be the “killer wine country”. Many of the American citizens love to visit Arizona once in a while to experience all their natural gems, like the beautiful red rocks of Sedona. With Arizona's wonderful culture and nature, many have considered moving here. However some willing to buy a house are having problems applying for a loan, because of their bad credit ratings.

                People who have bad credit ratings are those people who did not pay back the money they borrowed in due time or they did not pay back the money loaned at all. They are not automatically given a bad credit rating for missing a payment or being late once or twice. They receive this rating because they continually miss payments for several months. These borrowers should be thankful because of Arizona home Loans with bad credit. In short, they allow people with bad credit ratings to loan a home within the county.

                To increase a borrower's chance of obtaining a mortgage, they should consider shopping for Arizona home Loans with bad credit. Prospective homeowners should also consider the following factors that could help them improve their chance of receiving a loan [despite bad credit ratings].

  • Display other assets- if prospective homeowners do not have a large amount of cash or a large down payment, they could opt to show other financial assets. One example is available life insurance. In other words, buyers can apply for a loan by listing the cash value of their own home loan application. Other retirement accounts can count as well, by listing their current values. Using the assets available strategy will show a lender that the buyer is serious about paying off the loan.
  • Give emphasis to job stability- Even with bad credit, new buyers can offset it by highlighting the stability of their long-term work situation. They should not forget to mention any raises they have received, the increase in their cost of living for two years and their annual merit pay. They also should include their income raises over the past years of employment.
  • Demonstrate discipline- Borrowers need to prove to their lenders that their bad credit is a thing of the past and they have learned how to save. They could try showing discipline and consistency with their monthly savings, including any contributions that would help to obtain a home loan.
  • Increase the down payment- In general, the larger the down payment, the faster the home loan approval will be. It has been a problem for borrowers because most of the time they cannot provide enough money for the down payment and closing costs. If they are having a hard time to come up with the money, they could check if there are any payment assist programs or local municipality programs in their city.
  • Consider the amount you can afford- because even though there are real estate brokers who will tell you that can afford more house, you should really start with a size you can afford. First, homebuyers should spend some time browsing a home list in their preferred areas and settle with the thought that you can always move to a larger house later. It is still better to own a home you can afford, than be hit with another bad credit rating and possibly lose the house down the road.


These factors can be a great help for individuals who are looking forward to improve their chance of approval for Arizona home Loans withbad credit. Going through the steps to apply for a mortgage loan is worth it if the place you are moving to is Arizona. 

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



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Tuesday, March 17, 2015

Real Estate in Arizona - How to buy a house with bad credit

A typical question that most buyers with less than stellar credit ask is: How do I buy a house with bad credit? Now you may be wondering what a sub prime mortgage is and how it may benefit you. 

Quite simply a sub prime mortgage is a loan provided to an individual that is regarded as a high-risk borrower, due to their credit rating. Subprime borrowers who have a credit score of less than 640 are not the norm, however this may vary depending on the lender. Since it is the lender who is assuming this risk, the interest rate for a home loan may also be higher. Some sub prime naysayers complain that the interest on these loans is unfair. However keep in mind that in Arizona how to buy a house with bad credit, there are several types of subprime financing available. In fact, using this kind of financing correctly could turn out to be beneficial.

The most popular type of Arizona subprime mortgage offered in the state is known as an adjustable rate mortgage or ARM. An ARM begins by having a low-cost interest rate that is locked-in for a specified period of time, usually between 1 and 7 years. At the end of the term, the rate adjusts to a higher rate. Adjustable rate mortgages have earned a bad reputation in the mid-2000s for the role in the foreclosure bubble. That being said, it is crucial for you to understand that most of those ARMs were supplied to buyers with a bad credit report who simply overextended themselves. They simply bought more home than they could afford. When the rate reset, they could no longer make their monthly obligations.

Although the rate of ARMs does adjust with time, consider refinancing to a lower fixed rate mortgage or another adjustable rate mortgage. Taking advantages of the reduced interest charges of an ARM could save you thousands on mortgage interest. The money you save in interest can be used to pay off the balance of your loan and consequently allow you to pay significantly less interest.

Utilizing an ARM Arizona how to buy a house with bad credit

For many people, a traditional mortgage actually costs them more money than the actual value of the purchase. It just doesn’t make sense. Let’s be honest, most people do not live in a home for 30 years. In fact the average time frame to live in a house 8 to 10 years. Even if the homeowners decide to stay longer, the majority of people end up refinancing their mortgage at least once. Some homeowners refinance as often as every 2-3 years.

In the long run, traditional mortgages end up costing the buyer significantly more money upfront. This is because these ARMs require the buyer to pay the majority of the loan during the first half of the term. The traditional 30-year loan on the other hand, charges a higher mortgage rate as a kind of insurance for the lender. Your loan provider assumes you will take 30 years to settle the debt. Thirty years is a long time and there is a chance that something could happen that would cause you to default. The loan provider charges you a higher interest rate to make more money in case of default. The adjustable rates are only about 1 to 7 years so they can offer a lower interest rate since the term is shorter and less risky for the lender. These ARMs have lower interest rates than your traditional mortgage, and can save you significant amounts of money. In retrospect, a traditional mortgage can cost you thousands of dollars in premiums over the entire life of the loan. Subprime mortgages should be considered by both prime and sub prime borrowers alike, simply for it’s unique benefits. Below are a few situations when an adjustable rate mortgage might actually make more sense than a traditional mortgage.
  1. When you have poor credit you want to restore. ARMs are fantastic tools to help rebuild your credit. Refinancing before the rates adjust during the course of the loan proves to be a good strategy to boost credit and get you in a home faster.
  2. In case you plan to sell off your home before the rates reset and rise. This works whenever you plan on living in the home for a short while. Selling before the rates rise can help you avoid having to pay costly premiums.
  3. If you are planning to improve the home to later sell it for a profit. In situations where you are not planning for a long-term investment, an ARM can save you money while you are remodeling a home.
  4. When you are expect to earn more money in the near future. In this case, if the loan resets, the higher interest rates won’t matter because they will be easier to pay off.
  5. If you are expecting to receive an inheritance or lump sum of money. After receiving a windfall, it’s usually easier to pay off any remaining balances of a mortgage. In this situation the ARM serves as an instrument that will keep your monthly payments low as you pay off the mortgage.

While there may be certain risks for adjustable rate mortgages, these pitfalls are often minimized by intelligent investing and research.

A key strategy to remember whenever dealing with these types of loans is to never overextend and to be honest with your budget. An ARM often allows buyers to buy a home that’s greater than one they could afford. Bear in mind that once these rates reset they can always be raised and can price you out of your home, which may lead to foreclosure.  

Speak with a loan specialist at Level 4 Funding to receive the most up-to-date Arizona sub prime mortgage programs. Find out Arizona how to buy a house with bad credit and what makes the most financial sense for you and your household.


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



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How to Get an Arizona Mortgage with Bad Credit

Sometimes people get into some financial blurs because of some investment or monetary blunders. Because of this, it would sometimes be difficult to get any type of loan or mortgage, especially if you have bad credit. After being turned down by the first financing firm or bank for a housing mortgage in Arizona, you should not give up that easy. But this time you have to strategize for your housing loan to be approved even if you, as a borrower, have bad credit.

Some banks still approve housing loans even when mortgage applicants are considered to be high risk due to a poor credit score. Lenders will give borrowers with bad credit a subprime mortgage. The only minor setback regarding a subprime mortgage is that they may offer a slightly higher interest rates. The subprime mortgages offered in Arizona are more flexible however. These types of subprime mortgages in Arizona are known as Adjustable Rate Mortgages (ARM). These loans can be available to homebuyers starting with a lower interest rate. Additionally there is also a lock-in period ranging from 1 to 7 years. Hence, the interest rate increases after the given term.


  1. Manage your funds and boost your credit rating before applying for an Arizona mortgage with bad credit. Making necessary corrections on your credit reports can do this. Doing this will help improve and rebuild your credit score.
  2. It would save you a substantially great amount of money if you consider an Adjustable Rate Mortgage rate. This type of loan will truly be helpful if you plan to sell the property before the interest rate increases, allowing you to save money by not having to pay the fees anymore.
  3. Getting a Federal Housing Administration (FHA) approval can also help. The FHA will not lend you the money for the mortgage, but it can provide the lenders a form of insurance to settle all monetary issues in the case of mortgage default. Getting an FHA approval would boost your odds for a mortgage approval.
  4. Opting for hiring the services of a mortgage broker is one of the best options for people with bad credit records. Although it is imperative to make certain that the one you are hiring is legitimate and licensed. These brokers could really help you find a lender that could approve your housing loan because they have access to numerous lending resources. Payment of the mortgage will be more convenient because of their awareness about the different low credit programs offered by some lenders.
  5. Be able to seek a consistent, well-compensated job to prove to lenders that you have enough funds available to pay the mortgage.
  6. If your debts are far higher than your income, this will cause disapproval of your mortgage application. The best thing to do is to pay off all other loans and credit card balances to qualify for an Arizona mortgage with bad credit.
  7. Try to look for a reputable co-signer who has a good credit score. This will guarantee the lender that if in case you fail to pay or default your mortgage, the co-signer will be responsible for paying any obligatory fee.


 If you have problems with bad credit, speak to the loans professionals at Level 4 Funding to learn more about getting approved for a mortgage.


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



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Monday, March 16, 2015

Arizona Mortgages for Bad Credit to Buy a House


                Most of us think that many Americans are settled as to where they are living, but the truth is most of them want to live in Arizona. With a wide range of places to choose from, why would they want to settle in Arizona? They choose Arizona because of the following reasons:
  • It has a nice sunny weather for 300 days
  • It is very rich with theater productions
  • The place has maintained its cleanliness
  • There are so many shopping centers, malls, and restaurants to shop and eat from
  • And the landscape provides a lot of outdoor activities for the whole family.
Arizona has been everyone’s dream place to build a home. However despite the reasons above, some people could not reach their goal of moving to the sunny state of Arizona because of their bad credit.

Bad credit is a description of a person’s failure to keep up with their credit agreements and their incapacity to be approved for a new credit. They call it bad credit when it happens several times, which is the same with bad credit mortgages. The only difference between types of mortgages, are higher interest rates and charges. People with bad credit are individuals with the following issues:
  • Bankruptcy in less than 2 years
  • Foreclosure within the last 3 years
  • Low credit scores that are below 620

But luckily for those who want to live in Arizona with bad credit, there are some lenders that have the ability to approve an Arizona mortgage for bad credit. This can help borrowers with low credit score loan a home even if their credit is less than perfect.


Hard Money Loan
These types of loans are usually offered by groups of investors and not the bank. This can benefit new homeowners who are looking for a short-term purchase. Since the lenders are investors, they are more likely to give loans to borrowers with low credit scores. However, hard money lenders can qualify for a loan amount based on the value of the real estate that is used as collateral. The biggest loan borrowers can expect from their lenders would be 65% to 75% of the property value. For example, if the property were worth $100,000, the lender would probably advance 65% to 70% of the property value. This will provide the lender added security if ever the borrower does not pay and they have to foreclose the property.

FHA Loan
This is another type of Arizona mortgage for bad credit loan where the loan is backed-up by the US Federal Housing Administration mortgage insurance, which is provided by an FHA-approved lender. This allows first-time homebuyers and current homeowners to buy a home with less than a 3.5% down payment. Great news for borrowers without a large amount of cash assets! With the government insuring the loan, borrowers end up paying PMI or Primary Mortgage Insurance, which can range from 80 to a few hundred dollars. Using PMI will slightly increase the borrower’s monthly mortgage payment. However they are only entitled to finish this payment until they have paid off 20% of their home loan.

Subprime loans
This loan is given to borrowers who are having a hard time maintaining their payment schedules due to unemployment, divorce or medical emergencies. This loan is characterized by the following: poor quality collateral, higher interest rates and with less-favorable terms to pay off higher credit risks.

                So, what are you waiting for? Arizona is just a loan away from you and your family. With all the types of Arizona mortgage for bad credit listed above, you can choose the right one for your individual needs. Even with a bad credit, your dream of having a home can come true.


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



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Monday, February 9, 2015

Sub Prime Mortgage Arizona for Regular Borrowers


A subprime mortgage is a loan given to a borrower who is considered to be a higher risk due to a poor credit score. Typically a subprime borrower has a credit score of less than 640, but this does vary. Since the lender is assuming a higher risk, the interest rate is also generally higher. Critics of subprime lending argue that it charges unfair interest rates and further burdens individuals with low incomes and high amounts of debt. However, if used correctly a sub prime mortgage, Arizona can benefit all Arizona home buyers, even those with good credit. There are several types of subprime mortgages available and each type has different advantages and risks. 
  
The most common type of Arizona subprime mortgage offered in the state is an adjustable rate mortgage or ARM. An ARM starts out with a low interest rate that is locked in for a specified period of time, usually between 1 and 7 years. At the end of the term, the rate adjusts to a higher rate. ARMs earned a bad reputation in the mid-2000s for contributing to the foreclosure crisis. However, it is important to note that many of these ARMs were given to buyers with bad credit who overextended themselves by buying homes that were more expensive than they could afford. When the rate reset they could no long make their monthly payments.


Although the rate of ARMs does adjust with time, you can always refinance to either a lower fixed rate mortgage or even another adjustable rate mortgage. Taking advantage of the lower interest rates of an ARM could save you thousands on mortgage interest, giving you more money to pay off the balance of your loan. As a result, you can pay off your home sooner and pay significantly less interest.

Using an ARM to your Advantage


For many people, a traditional mortgage actually costs them money and simply does not make sense. Most people do not live in a home for 30 years, in fact the average time frame is 8 to 10 years. Even if they stay for longer, most people end up refinancing their mortgage at least once and some people refinance every 2 to 3 years. This ends up costing a significant amount in interest because in traditional home loans, you pay the majority of you interest during the first half of the loan term. Also, traditional 30 year loans charge a higher interest rate as a type of insurance for the lender. The lender assumes you will take 30 years to pay off the debt. 30 years is a long time and there is a chance that something could happen that would cause you to default. The lender charges you a higher interest rate to earn more money to keep as a type of insurance against default. The terms on an adjustable rate are only about 1 to 7 years so they can offer a lower interest rate since the term is shorter and less risky for the lender. An adjustable rate mortgage has a much lower interest rate than a traditional mortgage which can save you thousands of dollars over the loan term. Using this type of sub prime mortgage Arizona can save you significant amounts of money and should be considered by both prime and sub prime borrowers alike. Here are a few situations when an adjustable rate mortgage actually makes more sense than a traditional mortgage:

1.       You have bad credit, but you are working on it. An ARM is a fantastic option to help rebuild your credit score. If you know you will be able to qualify to refinance before the rate adjusts, it is a good way to get into a home and start rebuilding your credit score.

2.       You plan to sell your home prior to the rate raise. If you only plan on living in your home for a short period of time, an adjustable rate can save you money. If you sell before the rate raises you will never have to pay the higher interest rate.

3.       You plan to fix up the home and sell it for a profit. If you are not planning a long term investment, an ARM can save you money while you are renovating.

4.       You expect your income to increase. If the loan resets, you will be able to pay the higher interest payments because you will be earning more money.

5.       You expect a windfall. You know you will be able to pay the home off early due to an inheritance. Then the ARM can save you interest while you wait to pay off the home.

There are certain risks for adjustable rate mortgages but these can be minimized by smart investing.

The most important piece of advice regarding ARMs, is to never overextend yourself. An ARM often allows buyers to buy a home that is higher than they could qualify for with a traditional mortgage because the lender looks at the monthly payments. Once the rate resets these can increase and the buyer can actually be priced out of the home they already own. This can lead to default and foreclosure. Talk with a mortgage broker to get the most up to date information about Arizona sub prime mortgage   programs to see what makes the most financial sense for you and your family. 


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917

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

Friday, February 6, 2015

Bad Credit and Arizona Real Estate: Qualifying for a Subprime Mortgage Arizona


With great weather, a stable economy, and a real estate market with great deals, it is no wonder that so many people want to move to Arizona. With some parts of the state getting over 300 days of sunshine each year and skiing in the northern part of the state, it is the perfect place people with any climate preference. The relatively low humidity also makes it ideal for people with respiratory problems and mild winters are great for snow birds. If you find yourself dreaming of moving to Arizona, but have bad credit, you will want to start researching Arizona sub prime mortgage  to learn about the different types of mortgages available in the state for borrowers with bad credit or high debt to income ratios. If you cannot qualify for a traditional mortgage due to a low credit score, a subprime mortgage might be a good option.

A subprime mortgage is a loan given to a borrower who is considered to be a higher risk due to a poor credit score. Typically a sub prime borrower has a credit score of less than 640, but this does vary. Since the lender is assuming a higher risk, the interest rate is also generally higher. Critics of subprime lending argue that it charges unfair interest rates and further burdens individuals with low incomes and high amounts of debt. However, for many individuals, a subprime mortgage,Arizona is the only way they can qualify for a home loan. There are several types of subprime mortgages available and each type has different advantages and risks. 

Although subprime mortgages generally charger higher interest rates, for almost 42.5 million Americans, it is the only home loan they can qualify for due to a low credit score. If you find yourself having trouble obtaining a home loan in Arizona based on your credit, do your research on subprime mortgage Arizona to determine the type of loan programs you may be able to qualify for. Knowing the different types of subprime mortgages can help you select the right product for you and your family.

Types of Mortgages Available to Borrowers with Bad Credit


One type of mortgage available to subprime borrowers is what is known as an adjustable rate mortgage or ARM. An ARM starts off at a low interest rate, usually lower than the prime rate around 2-3 percent. After a period of time from 1 to 5 years, the rate then adjusts to a much higher rate anywhere from 10 to 20 percent, depending on market conditions. This will cause your payment to go up rapidly. ARMs got a bad reputation during the housing crisis of the mid 2000s and were accused of being a way for banks to loan money to and take advantage of subprime borrowers. Many people lost their home due to the inability to make the new, higher payments after the rate adjusted. An ARM can be a good option if you are in the process of rebuilding your credit and will be able to refinance to a traditional loan before your rate adjusts. It is also a good option if you are buying a short term home to either fix and flip, or you plan on moving within the low rate period. An ARM is also a good option as long as you budget accordingly so you do not get priced out of your home and wind up unable to pay your mortgage.

A second, less common type of subprime loan is a hard money loan. A hard money loan is offered by a group of investors, rather than a bank. It is a short term loan that is designed primarily for fix and flip houses. Since investors are offering the loan, not a bank, they are more likely to give loans to borrowers with low credit, providing they have a sound real estate investment. Hard money loans are usually short term loans and last for a couple years. A hard money loan is a good investment but not if you are planning on living in the home for any amount of time.


Another program that is available to low credit borrowers is an FHA loan. This type of loan is backed by the federal government and offers low interest rates and low down payment options. Most FHA loans only require a 3.5% down payment which makes it a great option for borrowers without a large amount of liquid cash assets. This is also a great option for someone buying a second home who may not have the down payment they would have if they sold their first home. The loan is insured by the government so the borrower will end up paying what is called primary mortgage insurance or PMI payments. PMI payments can range from anywhere between 80 and a few hundred dollars so it does increase your monthly mortgage payment. You will make these payments until you have paid off 20% of your home loan.

Deciding on the right loan product is essential to making your sub prime borrowing experience positive.


Talk with a mortgage broker to further discuss your loan options. You may also qualify for certain federal programs that offer down payment assistance or cash back at closing. Some of these include the Home in 5 program or the Home Affordable Refinance Program (HARP). Call an Arizona mortgage broker to help get you started on your move to the Grand Canyon State. 

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