How do you Fix Your Credit Score? Get your Arizona Home Loan.

How do you Fix Your Credit Score?Get your Arizona Home Loan.

Arizona Mortgage Broker Arizona Home Loan

You want that Arizona Home Loan to purchase our dream home but your credit score is low. Your credit score is an indication of what the industry calls your willingness and ability to pay debt.  It’s a probability ranking score on the possibility of you defaulting on an Arizona Home Loan payment obligation in the next 90 days.  Some people like to think of it as a credit score grade on your payment performance.  The lender will look at your overall grade and see if you are willing and able to pay the debt.  If you have a failing credit grade (an F), then the lender will assume that you are going to fail again and not pay them back.  It’s an overall Grade Point Average on how you passed or failed on prior loan obligations.  If you got an F on an Arizona Home Loan in the past your Grade Point Average is going to go down.  Think of it as when you were in school.  Every year the school would give you a Grade Point Average for the years work.  Some people got a very high Grade Point Average (all A’s) and were the smart kids in school, while others got a few D’s and F’s on their report card and had a lower Grade Point Average for the year.  This school

Arizona Mortgage Broker

of credit never ends in your life and you want to have the highest credit score Grade Point Average as possible, and keep it up through your life.   So what do you do to get a high credit score Grade Point Average?  You do the same thing that you did in school.  That is:

1. Take the Test over again and get a better grade.  How do you do this?  You pay back the people you owe money to.  Those items in collection or past due need to be paid off and settled.  The grade on your past due loan is currently an F, but you can make it a C+ if you pay off the debt.

2. Don’t get any more F’s on your work.  This means that you pay the loans back and on time.  You need to take it seriously, and make the payments and don’t be late.  Remember when you turned work in late in school and the teacher deducted points for the work because you were late?  It’s the same in the credit school; don’t be late on your work.  Also, what type of grade were you given when you did not turn in the work at all?  You would get an F.  This is the same with paying loans, when you DON’T PAY then you get an F and your overall credit score Grade Point Average goes way down. Pay your loans on time and full will give you the best Grade Point Average.

3. Don’t take on too may classes.  If you take a safe load of classes, then your work

Arizona Home Loan FHA USDA Specialists

load is easier and you can probably get an A in every class.  But if you take on too many classes, you will not be able to get all the work done for all the classes.  This is the same in the credit world.  Don’t take on too many loans and keep the balance owed on the loan to around 30% of your available balance.  The lender will look at your loan load (class load) and think are you never going to get the work done?  You have maxed out all of your credit cards and want another one? The more loans you take on (sign up for) the higher the chance that you are going to fail on one of them and possibly the loan you are now trying to get is the one you will fail on.

4. Get that bad score off your report.  Usually the quickest way to get a bad grade off your report is to dispute the score (Whine to the teacher). Tell the credit bureaus that it’s not your grade or that the grader who graded the test was wrong, or that they used the wrong pencil or that they used the wrong answer sheet to grade your work.  If you can get an F off your report card, your overall score and Grade Point Average will go up.  This is usually the first thing you can do to get a better Grade Point Average.  You do this by disputing the items on your credit report for each of the credit bureaus.  If they believe you and you are able to get the score off your credit report your Grade Point Average will go up.  If credit bureaus don’t believe you, then work on step 1-3 above. 

Arizona Home Loan

The good part about the credit score Grade Point Average is it is an Average.  It’s calculated over time and time is your friend when you calculate the Grade Point Average.  Your overall score is based on the current work and the work you have done in the past, but usually it’s for the last 3-5 years and if you have an F on your credit score report card, it will drop off in a few years. So if you keep your grades up, in a couple of years your credit score Grade Point Average starts to improve and eventually you will have all A’s and you can qualify for the Arizona Home Loan.

So you have bad credit and want an Arizona Home Loan? What are the exact steps?

I recommended that you read the book Credit Bible - Everything You'll Ever Want To Know About Credit by Phil Turner.  This is a detailed book on the steps and mistakes you can do to fix your credit score.

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

Didn't Your Mother Ever Tell You NO? You Can’t Have It!

You want that Arizona Home Loan to Purchase your Dream Home, But...

Arizona Mortgage Broker, Hard Money Loans, Arizona Home Loans, hard money lender Arizona

I've got an interesting job.  All day long I listen to people’s stories as to why their credit score is down in the low 400 ranges and they want an Arizona Home Loan.  They call and I listen to a point.  It’s usually not their fault as to what happened.  They had a loss of job, had to move, got a divorce, company went out of business, house was upside down,  the mortgage company did an illegal foreclosure (whatever this means) and they end up saying ‘it was not my fault that I am now at a 424 FICO’.  I listen and listen and emphasize with them and say as you know it’s not something that you could have avoided.  It’s really not your fault.  However, being in this business for years I’ve come to some striking conclusions; they are:

1. The credit score is the King when it comes to a loan approval.  If you’re down at 505, the Mortgage Companies, FHA, VA, USDA really don’t care to listen to your story.  It’s a fact on your credit report and it’s not going away.  Even though some lenders will take a hardship letter of explanation for an Arizona Home Loan this usually does not work.  When you get down to the Nitty Gritty, they don’t care and your mom does not work there.
2. It really was your fault.  You should have had a plan or found a second job, or had sufficient cash reserves to handle the bump in the road.  It’s your fault when you did not pay for the mortgage and the bank foreclosed on you and kicked you out.  When you don’t pay it’s your fault. 
3. When the borrower is told NO, that they will not qualify for that Arizona Home Loan, this news is not new news for them.  They already know the answer.

You Can’t Have That Arizona Home Loan ! Mom Said No.

People want to focus in on the problem and not the solution.  They will tell you about

Arizona Mortgage Broker

problems in the past and how it’s ruined their life and they will talk to anyone who will listen to them.  They want to say the same thing over and over again, ending the story with ‘It’s not my fault’. And mostly they say ‘it’s not fair.  Why can’t I have this new home?  It’s not fair.  But I want it; I want it, why can’t I have it? I want it. It’s not my fault. It’s not fair’.  You get the picture; they go on and on and on.

So what is the solution for this borrower to get the Arizona Home Loan?  

First they need to find the person whose fault it is that put them in this bad situation, track them down and confront that despicable, mean, awful person for putting them in this horribly unfair situation.  They usually can find that person by looking into the mirror.

Second they need to focus on the solution not the problem.  The problem is in the past and you can’t back it up and do a re-do.  I don’t hear a universal backup BEEP BEEP BEEP.  So let’s not linger on the problem, but the solution.  Ask yourself how are you going to solve the problem of a 505 credit score?  When you focus on the solution the problem goes away.

And finally, NO that Arizona Home Loan is not going to happen.  If you don’t believe me ask your mother.

Arizona Home Loan, Mortgage Broker

Dennis Dahlberg
Broker/RI/CEO/MLOLevel 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoeni

Don’t Fret Because You Can Get an Arizona Home Loan!

Arizona Mortgage Broker

It’s difficult out there for people who don’t have the best credit. But it really doesn’t have to be. If you are looking for an Arizona home loan, there’s a way out that doesn't have to be with a bank handing out soft loans and forcing you to conform to their ways. No, there is a new way that you can get the money you need. Think now about a non-traditional loan. Think now about how you can get a private lender to hand you over an Arizona home loan without worrying about your finances.

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Your hard money lender can provide the financial resources you need to get your property. If you need an Arizona home loan, there’s really only one place to get it that won’t cause you a lot of heartache and stress and that’s with a private money lender. After you can determine what kind of money you need if you have bad credit or your home is being foreclosed on, it is possible to get back on track.

Don’t think about how difficult it can be with a banker because with a hard money lender, it doesn't have to be difficult to get the Arizona home loan that you need.

You can avoid the long way to do something and the hassle of paper work that may never lead to anything with a traditional loan and snag what you really want from your private lender. Take note that there are other ways to do something about your financial problems. You can qualify for a hard money loan even with bad credit. Don’t bother with the soft loans of yesterday when you are looking for an Arizona home loan today. Take advantage of this wealth of information by talking to someone about a private money lender and non-traditional loans.

Arizona Mortgage Broker, Arizona Home Loan, USDA Home Loan

Dennis Dahlberg
Broker/RI/CEO/MLOLevel 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Arizona Home Loans are Obtainable

If you’re looking for a hard money lender because your credit isn’t as great as you’d like it to be, then you are in luck because we have what you’re looking for here. As you know if you are

Arizona Mortgage Broker Home Loan

on the website, a hard money lender or a private money lender as they are also called, can be the best thing for you and your bank account- especially if your credit isn’t what it should be. No more conforming to the bank standards when you can get the non-traditional loan that you need for your Arizona home loan from a private money lender.

You can qualify so much easier for a private money loan than you can a traditional soft money loan. These banks are so aggressive nowadays that it is difficult to get what you need from them. They want to really put you through the ringer when it comes to getting the loan you need for your home. And even then, you might not get it. It’s time to avoid these kind of interactions and get a private money lender to give you the Arizona home loanthat you need. You won’t have to worry about bad credit or an impending foreclosure. You will just have to worry about getting the money you need and paying off your debts. 

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Arizona Mortgage Broker, Arizona Home Loan, USDA Home Loan

Tell your private money lender what you need and they will work with you far better than a traditional bank officer would. You can have the quality of life that you deserve. Talk to a hard money lender now about the Arizona home loan that you need. It might just change the way you begin to think about your home and your money. Bad credit, no credit, or impending foreclosure, you can get the money you need with a hard money lender who wants to help you with your Arizona home loan.

 

 

 

Dennis Dahlberg
Broker/RI/CEO/MLOLevel 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Let’s Talk About Arizona Home Loans

Arizona Mortgage Broker Home Loan

There are soft money loans and there are hard money loans. Many people think that hard money loans sound scary, but really it just might be the opposite way around. You see, soft money, or traditional loans, are loans often given out by banks or other financial institutions that require a long and tedious qualification process. Thanks anyway! Often with these soft money loans, you don’t even get the loan after all the waiting and paperwork that you’re forced to do. That’s where a private money lender comes in. A private money lender can help you get the Arizona home loan that you need to save your foreclosed home without any of the inconveniences of a soft loan.

Here’s the deal: Those banks are going to get you coming and going. They can break down a human being with their tough questions about finances. Talking to a private money lender is much easier and doesn't require loads of paperwork or credit score assessments. Instead, it

Arizona Mortgage Broker,

is a more relaxed atmosphere and you get your money fast. That’s something everyone can look forward to, especially when their home is in foreclosure and you need that Arizona home loan fast.

Skip the banks and go straight to the money with a private money dealer who specializes in home loans Arizona.

You will see that bad credit or no credit, there is someone out there for you who can help and it isn't just a fairy godmother, it’s a private money lender who wants to get you the Arizona home loan that you need. No waiting. No frustrations. Just exactly what you need when you need it and want it the most. Talk to a private money lender today regarding the Arizona home loans that will absolutely change your life.

Arizona Mortgage Broker

Dennis Dahlberg
Broker/RI/CEO/MLOLevel 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

Redefining Rural with USDA Home Loans Arizona

Arizona Mortgage Broker, Hard Money Loans, Arizona Home Loans, hard money lender Arizona

USDA Home Loans Arizona aren't quite as difficult to get as you might think. If you thought eligibility was restricted to just low-income families in rural communities, you’re mistaken. Your USDA Home Loan Arizona actually defines ‘rural’ in a lenient manner that actually benefits those who are thinking about making changes to their home or moving their home to a new community. Low-income people who need their USDA Home Loans Arizona in order to get the house they want should be happy to know that they will be accommodated without hassle. If you have no credit, for example, you can still get yourself a USDA Home Loan Arizona.

It is also to be noted that with a USDA Home Loan Arizona you do not have to have good credit but you also do not have to put forth a down payment. It isn't required. Moreover, if you need the loan to cover closing costs of a home (for instance, if the seller won’t cover the cost), the USDA Home Loan Arizona can do that also.

Don’t think about your history or how things got to this point. Things can change when you get the USDA Home Loan Arizona that can turn your life around and get you the house and home that you want. Think about how you don’t need that down payment or even your most recent credit history. You can still qualify for this life changing USDA Home Loan Arizona and get the home that will make you feel good about life again.

You can overcome these obstacles today!

Talk to a loan consultant about the USDA Home Loan Arizona you can get for your new home or current home project and even relocation.

If you meet the requirements, you can get the break in the economy that you’re so looking for.

Arizona Mortgage Broker, Arizona Home Loan

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

Are You Eligible for An USDA Home Loan Arizona?

Arizona Mortgage Broker, Arizona Home Loan, USDA Home Loan

Are you wondering if you are eligible for an USDA Home Loan Arizona? Chances are that you are in fact eligible. You might be confused as to why. Perhaps you figured that the USDA Home Loan Arizona is for rural areas only. While that’s true, we also are pleased to tell you that the definition of ‘rural’ is very loosely defined, meaning there is great leeway with the term and that could very well work in your favor.

USDA Home Loan Arizona are great for low-income families who need the money.

These USDA Home Loans Arizona allow you to get the subsidies you need to pay your mortgage and to allow you the relief you need when it comes to home expenses. For example, maybe you are thinking of relocating or fixing up your home. That’s great! Then a USDA Home Loan Arizona might very well be for you.

Arizona Home Loan FHA USDA Specialists

The other thing you don’t have to worry about with a USDA Home Loan Arizona is the condition of your credit score. Your FICO score might be low from the economy or just a bad year in general, but that wouldn't affect getting your USDA Home Loan Arizona that will help so much with your home situation. Bad credit or absolutely no credit?  Don’t even stress about it. Here, it doesn't matter. When applying for your USDA Home Loan Arizona you don’t have to worry about the things you might with a traditional bank loan. That’s how it is with USDA Home Loans Arizona.

Take heart that there are ways to get out of your bad money situation and they don’t have to be conventional.

You can get a USDA Home Loan Arizona with no money down and no credit.

Don’t think that you can’t be the homeowner you want to be. You can with a USDA Home Loan Arizona. Just you wait and see.

Loan Officer Level 4 Funding

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 A

Are You Looking for an USDA Home Loan?

Arizona Home Loan, Mortgage Broker

If you’re looking for an USDA home loan Arizona because you want to purchase, refinance, renovate, repair or even relocate an existing home, then luckily you have come to the right place. What began in 1991 now might be the best thing to help you get the boost you need as you get ready to relocate your home or fix up one that you love just where it is. If you have been wondering when you could make the move to get your USDA home loan Arizona, the time is definitely now! So don’t hesitate to make the jump, especially since we have all the resources here waiting for you.

You might think eligibility for a USDA home loan Arizona is just for rural areas, but that just isn't so. For one, ‘rural’ has a very loose definition and it can change depending on who you ask. An USDA home loan Arizona can be just the ticket a family needs to get out of their rut. These USDA home loans Arizona are often very accommodating to low-income people of need. If you’re having trouble paying for your home, there are ways to get subsidies. There is a way out of this and that’s with an USDA home loan Arizona.

Get your USDA home loan Arizona and take heart that your down payment is not required and if you need the closing costs paid for, then the USDA home loan Arizona can do that, too.

Yes, it really is that simple. Don’t worry about your credit now or your credit then. You can still qualify for your USDA home loan Arizona because the loan is specifically for the people who need it the most. You can be a homeowner when you get your USDA home loan Arizona.

Loan Officer Level 4 Funding

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

Do You Know What an USDA Home Loan Is?

Arizona Mortgage Broker Home Loan

Are you looking for change? The kind of change that only comes with a big move to a smaller town? Then it might be time for you to look into USDA Home Loans Arizona. This is a great time to look into what you could do for your family even if you may not have the kind of credit score that would ever get you points at a traditional bank.

But why would you need an USDA Home Loan Arizona? Are you thinking about relocating or moving to a smaller neck of the woods? While USDA Home Loans Arizona used to mean rural, ‘rural’ itself has had a bit of a definition change by the USDA, so you can still live in a great area of your choice.

USDA Home Loans Arizona are the perfect way to get the home that you and your family can grow old in for decades without, sorry for the pun, breaking the bank. That’s because USDA Home Loans Arizona are specifically made for people who have a difficult time getting the funding that they need. However, if you even barely qualify for an USDA Home Loan Arizona, then you will get all the benefits that comes with it, such as no worries when it comes to having bad credit.

Moreover, you don’t have to have a down payment with your USDA Home Loan Arizona because the agency is all about helping people, so you will see a lot of perks when it comes to getting your USDA Home Loan Arizona. You will find there is a lot less to worry about than there would be if you went through a traditional bank loan system.

Have some faith and take a look into USDA Home Loans Arizona for your new relocation and you might see there’s a world of possibilities out there for you that you can take advantage of.

Loan Officer Level 4 Funding

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 a Arizona USDA Home Loan?

Do you know what kind of loan might make you feel the most at home in your new house? It’s time to start asking questions about USDA Home Loans Arizona.

Do you know what USDA Home Loans

Arizona are? Let’s take a good look!

For one, USDA Home Loans Arizona are there to help you get the home you want in a new area outside of the city. This doesn’t mean moving away from civilization, it might means moving to a quieter part of the city. The program began in 1991 as a way to help families as they moved from the city to quieter locations and now it is being used to help families in much

Arizona Home Loan FHA USDA Specialists

the same way, though recently the definition of rural changed to include larger areas.

Additionally USDA Home Loans Arizona do not require you to have the credit score that most traditional bank loans require you to have. That’s because USDA Home Loans Arizona are here to help people, unlike most bank loans for mortgages that really crack down on eligibility because banks are always afraid to lend money to those who need it to the most in order to help them out monetarily as well as help them build credit. That’s not a problem with USDA Home Loans Arizona.

Moreover, note that your down payment is not required when you qualify for your USDA Home Loans Arizona.

This makes for a much easier purchasing experience. Consider the opportunities that await you when you seek out an USDA Home Loans Arizona. You could get the home you always wanted at a rate you can love. Don’t hesitate to make the switch to a non-traditional loan today and get into the house you want faster than you ever thought possible.

Arizona Home Loan, Mortgage Broker

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