Diversifying Your Portfolio with Trust Deed Investing

Most investors know about their investment options regarding stocks, bonds and some real estate transactions. One lesser known strategy is investing in trust deeds, a specific type of real estate investment that is low risk and high return.

Smart investors know that having a well-rounded portfolio is a key component of successful investing. One investment that most people take advantage of is a stock investment. With this type of investment an investor purchases parts, or shares, of a company. When the company makes money, so does the investor. If the company loses money, so does the investor. The risks and rewards of stock investing varies by the specific companies the investor chooses to invest in. There is not insurance against loss. To help make this investment less risky, investors can do their research. Make sure they know about the finances of the company they are investing in and choose companies that show stability over time.

Another type of investment is bonds. There are a variety of different types of bonds that can be

purchased from the United States government. Depending on the bond type it takes a specified amount of time to mature. Once the bond is matured the government will purchase it back for a guaranteed interest rate. Bonds are extremely safe investments as they are backed by the U.S. Department of Treasury. The main downfalls of bonds are that they earn fairly low interest rates, usually in the single digits and often as low as 2%, and they take a significant amount of time to mature. Bonds are a safe investment but don’t offer very high or timely returns.

A third investment that can help diversify an investor’s portfolio is known as trust deed investing. In this type of investment, the investor purchases an interest in a mortgage that is given by a bank. The borrower purchases a property, the bank lends money, and the investor (known as the trustee) invests money for the privilege of holding the financial deed to the property.  The trustee holds the deed for a specified amount of time from months to years, depending on the terms of the investment. As long as the trustee holds the deed, he/she earns interest from the bank and has almost no responsibilities as long as the borrower is current on payments. Interest rates on trust deeds are between 9 and 12 percent.

Level 4 Funding LLC

23335 N 18^th Drive Suite 120

Phoenix AZ 85027

623-582-4444

www.Level4Funding.com

Trust Deed Investing and Default

The most common question people have before investing in trust deeds is what happens if the

borrower defaults. The trustee has a few options at this point, depending on what state the property is located in.

One option is that the trustee can assume payments and takeover the property. Since the trustee owns the legal deed to the property, he/she can take over payments on behalf of the borrower and the real estate transfers entirely to the trustee. It can now be lived in, rented, or sold as the trustee sees fit.

A second option that is generally less work for the trustee is that the trustee can begin the process of non-judicial foreclosure on behalf of the lender. The lender provides the trustee with proof that the borrower has defaulted on the loan and since the trustee holds the legal deed to the property, he or she can begin the process of selling the property on behalf of the lender without a court order. This is less expensive for the lender than judicial foreclosure. Once the property is sold the lender recoups its funds from the sale proceeds. Once the lender’s debt has been paid, the trustee’s initial investment is also returned.

Once you have decided to invest in deeds of trust
there are several ways to reduce your risks and maximize your returns.

One key feature of a solid trust deed investment to keep in mind is to always hold the first deed of trust on a property. The first deed holder is the investor who is paid first in the event of a default. If you are the second or even third trust deed holder you are putting your investment at a higher risk than the first deed holder is. You can also help minimize your risk by investing in more credit worthy borrowers and modifying the length of your investments. There are lots of different options depending on what state the property is in. Talk with a broker to help navigate the various ins and outs of trust deed investing .

Level 4 Funding LLC

23335 N 18^th Drive Suite 120

Phoenix AZ 85027

623-582-4444

www.Level4Funding.com

Help Wanted Arizona Mortgage Loan Originator Loan Officer Open Position

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. Work with our Loan Processing Staff. 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 FHA/VA, Sub Prime, Conventional and Private Hard Money Loans. We use: Point Central, Caylx. Level 4 Funding LLC 23335 N 18th Drive Suite 120 Phoenix AZ 85027 www.Level4Funding.com 623-582-4444

Investors use Arizona Hard Money to purchase the fix and flip projects.

Is Arizona hard money good for first time investors?

As a first time investor, Arizona hard money might seem really confusing or you might be really curious about what it entails. Arizona hard money is not a traditional loan; it is not based on a bank’s decision but instead based on the real estate property that you wish to purchase.

Typically with Arizona hard money, you can also get much more money than you would with a traditionalArizona hard money can give you up to one hundred percent of the value of the property you are borrowing against. That is much more than a regular loan issued out by a bank.

bank loan. Sometimes

Since Arizona hard money comes from people instead of a typical lending institution, you have some more leeway. Private money lender Arizona is an individual who issues you money. It can be from someone you know or even someone you just met who wishes to invest in your real estate endeavor. Meanwhile, hard money lender Arizona is a group of individuals, not just one person, who invests in your real estate property.

While the interest rate is much higher than a traditional loan, that isn't something you really have to worry about with an Arizona hard money loan because the turnaround goes by so quickly you won’t even have time to rack up interest.

It is good to know these things before you start looking into an Arizona hard money loan or investment because you want to make sure that you’re getting what you wanted out of the deal. An Arizona hard money loan is great for someone who wants to skip the hardship of the bank loan paperwork and get right into the business of flipping property. 

Don’t be shy, first time investor or not, the time to look into Arizona hard money is definitely 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

How do you get a hard money loan from a private lender?

Tips for Getting a Hard Money Lender Arizona

If you are looking for a hard money lender Arizona or a Arizona private money lender  then you probably understand that these kind of Arizona hard money loans are the best kind of loans you can get. You are able to bypass the traditional loans from the bank and you don’t have to worry about your credit score. How much better can it get?

However, without the right kind of Arizona hard money lender by your side, things can be difficult to facilitate, so make sure you’re choosing either a hard money lender Arizona or private money lender Arizona that you can really trust and has a great reputation.

Also remember a few key things; Hard money lenders Arizona and private money lender Arizona  typically give to borrowers who only need money for short term real estate investments, which means that the higher interest rate doesn't really matter since loans are paid off so quickly.

Usually, someone who needs an Arizona hard money lender is someone who is looking into this kind of Arizona hard money loan because they need access to money quickly for a variety of possible reasons since the real estate business can be so finicky. A building might be going quickly and the borrower might want to snatch it up so they talk to a hard money lender Arizona.

Whatever the reason, Arizona hard money could be just the thing for you. If you are looking to rehab your next property project, then consider thinking about hard money lender Arizona or private money lender Arizona.  It could be the best thing that you do for your real estate career –not to mention the easiest- look into Arizona hard money today and get your money tomorrow. You’ll be happy you decided to do it and so will your property.

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

Private Hard Money Loan Just Funded

Nice rental home non owner occupied funded with a Private Arizona Hard Money Loan from Level 4 Funding.  $45,000 Loan to Value 20% rate 12% for 2 years.

Call us when the banks say now.  We are Private Lenders and can provide a quick answer to you your Mortgage Needs.  Short term loans for the Fix and Flip and Real Estate Processionals
. 

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 considering a 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 untraditional 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

Is Arizona hard money good for first time investors?

As a first time investor, Arizona hard money might seem really confusing or you might be really curious about what it entails. Arizona hard money is not a traditional Mortgage; it is not based on a bank’s decision but instead based on the real estate property that you wish to purchase.

Typically with Arizona hard money, you can also get much more money than you would with a traditional bank Mortgage. Sometimes Arizona hard money can give you up to one hundred percent of the value of the property you are borrowing against. That is much more than a regular Mortgage issued out by a bank.

Since Arizona hard money comes from people instead of a typical lending institution, you have some more leeway. Private money lender Arizona is an individual who issues you money. It can be from someone you know or even someone you just met who wishes to invest in your real estate endeavor. Meanwhile, hard money lender Arizona is a group of individuals, not just one person, who invests in your real estate property.

While the interest rate is much higher than a traditional Mortgage, that isn’t something you really have to worry about with an Arizona hard money Mortgage because the turnaround goes by so quickly you won’t even have time to rack up interest.

It is good to know these things before you start looking into an Arizona hard money Mortgage or investment because you want to make sure that you’re getting what you wanted out of the deal. An Arizona hard money Mortgage is great for someone who wants to skip the hardship of the bank Mortgage paperwork and get right into the business of flipping property. Don’t be shy, first time investor or not, the time to look into Arizona hard money is definitely today.

Big Daddy Dennis Hard Money Lender

Arizona Hard Money
Level 4 Funding LLC
23335 N 18th Drive Suite 120
Phoenix AZ 85027
623-582-4444

Is investing in Deeds of Trust right for me?

If you've been thinking about your portfolio lately but you aren't sure how to invest, then now is the time to start thinking about trust deed investing Arizona because it will be the best thing you ever do for your money and your portfolio. When you get to add that additional stream of income into your wallet, you’ll be so glad you looked into trust deed investing Arizona.

So what’s taking you so long to get involved with deed of trust investing Arizona? Is it that you’re confused about the great returns it has to offer for very little risk? Everything you ever wanted about an investment is right here in deed of trust investing Arizona and you will see how fantastic this can be for your portfolio once you start seeing the money that you’ll be making. Let us tell you about some additional deed of trust investment Arizona facts.

With a trust deed investment Arizona, you get the titles to real properties that can be transferred from one party to another. As the one with the money, you would be the ‘trustee.’ Being the trustee means that you hold onto the legal arrangement, or promissory note, for the property until the money is paid back to you. If not, you get a new piece of property. That’s what is meant by the little risk and high return: you always come home with something in your pocket. And that’s a great fact about trust deed investments Arizona.

There are some wonderful aspects of deed of trust investing Arizona that one needs to really think about because they will bode so well for your portfolio.

Knowing the risk is low is a comfort and a rarity. Don’t let’s this opportunity slip through your fingers. Look into deed of trust investing Arizona today.

Trust Deed Investing

Arizona Hard Money Arizona 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 12
Phoenix AZ 85027

Say yes to hard money lenders with help from your Arizona mortgage broker

If you need yourself a good Mortgage to get yourself back on track, then it’s time to talk to your mortgage broker Arizona about your hard money lender Mortgage.

Don’t think that you need to suffer. You don’t! You can get the asset-based funds that you need without the hassle of your traditional bank Mortgages. You will never have to worry about your credit. You will not have to worry that you won’t get your money in time. You can take back your life with a hard money lender Mortgage.

You might think there’s no way that this will work, but it can. You can bypass any credit history questions- which you cannot do when it comes to traditional bank Mortgages. Traditional bank Mortgages are tiresome; you have to do a lot of paperwork and sometimes there is absolutely zero payoff when they tell you that you can’t get the Mortgage. That’s why you need to talk to your Arizona mortgage broker about getting a hard money lender Mortgage today.

While you do get your hard money lender Mortgage faster, do realize that there is a higher interest rate and that can be very concerning to people, but don’t let it be. You don’t have to worry about that because you can always pay back the hard money lender Mortgage faster, which means that you won’t have to deal with the interest rates at all.

Think about this and have a chat with your Arizona mortgage broker about your hard money lender Mortgage. It will be the best way that you can get yourself back on track. This will be the best kind of Mortgage you can get for your time, money, and credit. Don’t feel bad about not wanting to have a traditional bank Mortgage. Get your hard money lender Mortgage today.

hard money lender arizona

Arizona Hard Money

Arizona 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 12
Phoenix AZ 85027

Benefits of a Trust Deed Investment, Arizona has an Opportunity for your Portfolio?

Should You Get a Trust Deed Investment Arizona Opportunity for your Portfolio?

Are you confused about if you should get a trust deed investment Arizona opportunity for your portfolio? It’s time to check the facts and get invested in this amazing offer because trust deed investments Arizona are probably the best kind of investments that you can make.

Why is that? Well, unlike other investments that can leave you high and dry, a trust deed

Arizona Mortgage Broker, Arizona Home Mortgages

investment Arizona allows you to make an investment that will always yield a return. Plus, the investment will most likely be not only low-cost but low maintenance. How is that possible?

There are certain things called non performing notes Arizona that allow you to make an investment on a promissory note that might not be doing as well as had originally hoped. These non performing notes Arizona are sold at a huge discount to the investor meaning that you can make a trust deed investment Arizona for almost nothing and you can have the portfolio you always wanted without worrying about your financials going to pot. In fact, no matter what with a trust deed investment Arizona, you will always have something to look forward to because you will always have an asset to hang on to, even if the investment doesn't really do that well. No worries! What a nice investment to have pepper your portfolio.

Get involved with trust deed investments Arizona and you will see that you should have been doing this instead of going through the bank for years. Once you see the little effort you have to put forth and the big returns that you get you will wonder why you didn't do this years ago! Remember you can get into trust deed investments Arizona today and start seeing the great returns fast! Don’t hesitate to make that move towards a better portfolio!

Arizona Hard Money Arizona Mortgage Broker

Mortgage Officer Level 4 Funding

Finding the right hard money lending Arizona for all of Arizona

Finding the right hard money lending Arizona for all of Arizona

If you’re like the many millions of people living in Arizona and you want to be able to afford a house, then perhaps familiar, tired banking isn’t for you. Perhaps consider hard money lending Arizona because that’s a unique and often beneficial alternative. Most Arizona hard money lenders provide coverage for the entire state, from Prescott to Flagstaff to Tucson to Scottsdale to Tempe to Phoenix and everywhere in between. This is a necessary route to take when banks cannot approve your Mortgage request or respond quickly enough. So let’s say you just moved from Illinois to Arizona because you were let go from your last job. Yes, it sucks to be you, but don’t mope too much. You need a house and fast. Your family is getting sick of living at the Ramada Inn and eating take-out every night, not to mention the huge drain on your wallet. Your job is helping, but still, nothing would be greater than a house. If the bank can’t help you because they’re too broke too, it’s time to find other options. Like private money lenders Arizona. You can befriend these people much easier than most. That’s what makes these types of Mortgages so successful – after all, they’re more personal. You’ll get what you need and so long as you work hard and pay your Mortgage on time, everyone should be happy, including your family and the staff at the Ramada Inn.

YOU’LL WONDER WHY YOU DIDN’T THINK OF THIS HARD MONEY LENDING ARIZONA SOONER.

hard money lending arizona

Hard money lenders Arizona is actually easy

Hard money lenders arizona is actually easy but you wouldn’t know it unless someone told you or you were a super smart accountant or knew a lot about investing, but hard money lenders Arizona is actually easy. It’s so easy, a caveman could do it – yes, I know that’s a Geico moniker or slogan, but the sentiment remains – it’s simple, it’s a breeze, it’s easy.

The first part, perhaps the hardest part (no pun intended) is finding the correct private money lenders Arizona. They can be anywhere, under any rock or cranny, so you should want to probably shop around a whole lot. They usually have extensive websites with lots of details on what they’ll be offering you. Then, it’s simply a matter of contacting them with your idea or offer of investment. They’ll invite you into their office where they’ll give you free coffee (score!) and you can discuss all the grimy details of this exciting new Mortgage available to everyone, even people like you.

Don’t think too lowly of yourself when dealing with these types of Mortgages. Remember, you are a valuable person that is valued by God (if you believe in God, that is) and so fight for your right…. To vary!!! That means, don’t let yourself be monkeyed around by people who use a bunch of mumbo jumbo to confuse the drizzle out of you. You want your hard money lender to be your friend, because you’re already in a tight spot and could use a shoulder to lean on. That’s the whole idea behind hard money lenders Arizona in the first place.

hard money lenders arizona

You can use a Private Money Lender for your home loan.

Why Private Money Lender Arizona?

Arizona hard money is sometimes a new concept for people so it can be a little intimidating. To start, a private money lender Arizona is a bank-free way to borrow money as an individual or a company, depending on if you use a private money lender Arizona (individual) or a hard money lender Arizona (group), will loan you the money you need for your real estate investment. It’s just about that simple to understand. Private money lender Arizona is typically someone you already have a relationship with while your hard money lender Arizona is a group of people that you trust.

Private money lender Arizona and hard money lender Arizona give you the tools you need to have financial and real estate success.

It might seem like a scary thing to do but obtaining money from people who want to help you isn’t scary at all. While the interest rate is higher, so is the amount of money a person gets for their real estate investments. Sometimes, your Arizona hard money could tally up to 100 percent of your real estate property worth and you would get money for the repairs. It rally is a good deal to go with Phoenix Arizona private money lender Arizona or hard money lender Arizona depending on the type of Arizona hard money that you want to deal with during your property rehabbing.

If you are stressed out about what kind of loan to apply for, consider going into the Arizona hard money sector. Private money lender Arizona and hard money lender Arizona wants to help you get to where you want to be and the property you want to buy. It doesn’t have to be scary or difficult. Consider all the benefits you could receive and look into Arizona hard money 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

Information on Arizona Private Hard Money.

Confused by a Arizona Hard Money?

Private financing is a great way to get the money you need for the property that you want. But Arizona hard money could be confusing so it’s good that you’re looking up some facts. Don’t be discouraged by traditional loans, a hard money lender Arizona or a private money lender Arizona wants to help you out. Both sectors have access to money similarly to a bank, but far easier to obtain because this money is exclusively for real estate and it is private financing.

Both a hard money lender Arizona and an private money lender Arizona make it easier to apply for a loan than any bank. Getting a hard money lender Arizona means that a group of people would be in charge of your loan, however, private money lender Phoenix Arizona is just one person who will help with your loan. They can be someone you know or someone you trust or even a stranger that you have faith in. Arizona hard money is a really fantastic option for those who do not wish to obtain a traditional bank loan because Arizona hard money is always a short-term loan and the high interest rate does not make a very big impact.

Arizona hard money is easy to get so don’t let the name fool you. 

They may have high interest rates, but with the fast turnaround time, it really doesn't matter. What’s more is that Arizona hard money lenders give out money based on the value of the property and that often includes the cost of the repair for the property inside of the loans. That is very unlike a traditional loan and so much easier. One should really consider Arizona hard money instead of the bank when it comes to property loans. Just think of all the wonderful benefits!

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

Questions about Hard Money Lending in Arizona

Hard Money Lending Arizona Questions Answered

Have you been wondering what a hard money lender Arizona and private money lender Arizona do? You might have even wondered if they are the same thing. A lot of people use the two terms interchangeably and that can be perfectly find because the two do have quite a bit of similarities, but if you look closely, hard money lender Arizona is a little different from private money lender Arizona.  Once example of this might be that a private money lender Arizona can be anyone. It can be someone that you know or even a complete stranger. It doesn't matter because if a private money lender Arizona wants to give you some Arizona hard money, you shouldn't complain!

On the flip-side, hard money lenders Arizona isn't one individual person; it’s a group of people who usually understand how to be great at being a hard money lender Arizona. More often than not this hard money lender Arizona group has a long roster of clients that they have assisted throughout the years; helping them purchase the kind of real estate opportunities that they want.

Both Hard money lender Arizona and private money lender Arizona usually have the experience that you want and need when you are gearing up to purchase some real estate. Your hard money lender Arizona or private money lender Arizona will help to guide you to the right location, title companies, and even appraiser that is best suited for you and your property. With your hard money lender Arizona and your private money lender Arizona, you can always feel confident that the job is getting done correctly.

You get to decide between hard money lender Arizona and private money lender Arizona to decide which category best fits your needs but it is great to know that either one will help you with your Arizona hard money needs.

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 Difference Between Hard Money Lending Arizona and Private Money Lender Arizona

Hard money lender Arizona and private money lender Arizona have so much in common, but there are some difference lenders should be aware of. For example, a private money lender Arizona can be anyone you know or even someone you don’t know. Family member or stranger, if someone with money wants to be a private money lender Arizona and they have the money to do it, they can make loans to people who are in need of Arizona hard money no problem.

Meanwhile, hard money lender Arizona is typically a group of lenders and usually this hard money lender Arizona group has a history as they’ve helped owners get loans that help those owners purchase the property that they want be it a group of condos or a new commercial development opportunity or really any kind of commercial real estate project. These are typically professionals with great lending history and an understanding of the business.

Hard money lender Arizona are often very well experienced and can help with issues or even offer information such as which area is best to buy in, what title company to use or even which appraiser is best for the job. Hard money lender Arizona means you can get started with confidence and the assurance that things will get done properly. Private Hard Money lender in Phoenix Arizona is sometimes more convenient however if you know the private money lender Arizona well enough that you can work in tandem as a team or if you get a private money lender Arizona who is motivated and understands what they are doing in the real estate world.

Choose between your hard money lender Arizona and your private money lender Arizona and decide which category best fits your needs. Both parties should have a great understanding of what you’re trying to accomplish, it just depends on which one works best for you! Contact us today to get more information.

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

Tips on Selecting an Arizona Mortgage Broker or a Mortgage Banker

A Few Tips on Selecting an Arizona Mortgage Broker or a Mortgage Banker

Not only is purchasing a new home no easy task, deciding who to have help you with the process can be even more taxing. Here are just a few tips and tricks to help you in your decision on whether to utilize the services of an Arizona Mortgage Broker or a Mortgage Banker.

1. Think about this: do you want the absolute best available rate? The easy answer is, “well of course I do!” but think about it a little more. If you've already bought a home or if you know of a good solid lending institution that you've worked with in the past or trust to the utmost degree, you may not mind paying a smidge higher interest rate. Also, sometimes the best rate does not come the quickest. A mortgage banker can cut down the time of the loan processing by about a week because they work for a lender who will loan you the money directly.

2. Do your homework! Ultimately, it doesn't matter whether you choose an Arizona mortgage broker or a mortgage banker, but what is important is that you do your homework. Can the person you’re using answer all your questions? Do they have integrity? Are they honest in their dealings? Those are more important considerations.

3. Don’t get pressured into making a hasty decision. A good Arizona mortgage broker will not pressure you or use those annoying sales tactics to get you to move quickly on a house. Do not go through with a loan you don’t understand or don’t know everything about. Remember, you are not committed to accepting a loan or buying a home until you sign on that dotted line.

One Last Thing To Consider Regarding Arizona Mortgage Brokers

Arizona Mortgage Brokers will do the shopping for you. If you’re dead set on buying a home, another week shouldn't matter a whole lot in the process. After all, you’ll be paying on this home for the next 30 years. If a low interest rate is what matters most (it can make a HUGE impact on your monthly payment), go with a Mortgage Broker who can help you find just that.

For Selecting an Arizona Mortgage Broker

Here are just a few tips for you when considering the use of an Arizona mortgage broker in the home buying process:

1. First, ask your friends, family and neighbors for references for a broker. These people are valuable resources that you can trust and will likely lead you in the right direction. You’ll be surprised at how many connections they might have!

2. Always remember, if it sounds too good to be true, it is! Don’t be suckered into using a specific Arizona mortgage broker because they promise you bottom of the barrel interest rates. Also, do not pay into any upfront fees from a broker. You are not committed to them until you sign all the final paperwork and their origination fee will be paid out of the loan. A trustworthy Arizona Mortgage Broker Setabay Home Loan will not charge you fees up front, but rather help you through the process while you feel comfortable.

Arizona Mortgage Brokers Are Here to Help

Don’t get too overwhelmed and keep in mind that Arizona Mortgage Brokers in Phoenix are here to help you. They won’t pressure you to move too quickly on a home and they will do a lot of the confusing paperwork for you. They will work with the lender and  it is their duty to find you the best interest rate possible, so hold them to it! A good broker will be on the ball, move you through the process as quickly as possible, and represent your financial situation to the lender in the best way they know how. Even if you have a bad financial history, a broker can help you navigate the home buying and loan approval process.

Dennis Dahlberg
Broker/RI/CEO/MLO

Setabay Home Loan
Tel:  (623) 582-4444 | Fax: (888) 279-6917

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

Matchmaker matchmaker Is It Time To Do Arizona Mortgag

Is It Time To Use an Arizona Mortgage Broker?

Is it time for you to use an Arizona Mortgage Broker? How do you know if it’s that time? Here are a few need-to-knows before you sign your life away on a new home: First, what is an Arizona mortgage broker? Essentially, this type of broker acts as an intermediary who works with lenders on behalf of individuals or sometimes businesses. Rather than banks going out and selling loans themselves, they put their interest rates out there and Arizona Mortgage Brokers hunt them down and present them to buyers. In fact, in the US (and other countries including Spain, New Zealand, and Canada) mortgage brokers do the majority of the selling for lending institutions.

What Do Arizona Mortgage Brokers Do For Their Clients?

Arizona Mortgage Brokers  serve their clients in many ways that people wouldn’t be able to do on their own. First, they will assess your ability to pay. They look at your financial background, income, credit history, and more. Don’t worry if you don’t have good credit, that doesn’t mean you are automatically disqualified from buying a home. They will also do some research on the market and help you find a home that is in your price range and fits your family’s needs.

Did you know that Arizona mortgage brokers can also get you pre-approved for a home loan? This can be kind of a lengthy process but your broker can get you through it fairly fast and a lot quicker than you would be able to on your own. It will be a lot less stressful for you if you don’t have to worry about this part of the process. All you have to do is get your documents together and your broker will do the rest.

Match Making Services for You and Your Home Loan: Arizona Mortgage Brokers

Matchmaker matchmaker make me a match! Put your eharmony account on hold for a few days—you’ve got a home to buy! What is an Arizona mortgage broker, you ask? Well, basically, they are a matchmaker for you and your home loan/lender! They will match you—the borrower—with a lender that will offer you a loan within your monthly payment budget and with, hopefully, an awesome interest rate. They will go over your personal information and look through a broad scope of lenders to match you with the best rates and terms.

Why Use an Arizona Mortgage Broker? Can’t I Do it On My Own?

Technically, yes. You could find your own home, lender, loan, etc. You could gather all your documents and evaluate your loan to income ratio, and more. But who wants to do that when you have a home you want to buy? Why bother yourself with this hefty task when you could just leave it to a professional? Leave these services to an Arizona mortgage broker. Arizona mortgage brokers have a much broader scope of access to an array of lenders and they will most likely be able to hook you up with a lender who offers a lower interest rate than you could find on your own.

Your Setabay Home Loan is the Arizona Mortgage Broker will match you with a loan, and then submit your loan application for underwriting and approval. This is a process that is difficult to understand and you’re better off to just let someone who knows the industry take the reigns in this situation. What are you waiting for? Find the Arizona mortgage broker that is right for you today!

Dennis Dahlberg
Broker/RI/CEO/MLO

Setabay Home Mortgage
Tel:  (623) 582-4444 | Fax: (888) 279-6917

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

Need to Know Tips When Choosing an Arizona Mortgage Broker

Let’s be honest, buying a home is not an easy process. It’s taxing—mentally, emotionally, sometimes even physically. Even worse though is going at this process alone. Don’t even think about it! Buying or refinancing a home is just too big of a task to take on if you don’t know the industry well. We’re not talking about buying a $10,000 car here, this is likely going to be the biggest purchase of your life. Allow an Arizona mortgage broker to do all the tough stuff while you do the fun stuff like picking out a home and mentally decorating it while landscaping your yard. Arizona mortgage brokers can help you through the home buying process, and in all reality, they can do a lot of the busy work for you.

What Do Arizona Mortgage Brokers Do?

Arizona Mortgage Broker such as Setabay Bay Home Loans in Arizona take care of the loan, essentially. However, they are not the ones actually lending the money. The banks always do that (unless you decide to go with a mortgage banker, but that’s a story for another day). They work as an intermediary between you and the bank, and they shop around to find you the best interest rates out there.

When buying a home and considering the loan aspect of things, the most important part is the interest rate. Even a 1% difference in an interest rate could possibly mean several hundred dollars you would be paying each month. That’s a big difference in the grand scheme of things! And how are you to know what is considered “good” or “bad” in interest rate terms? Leave this work to someone who knows the industry—an Arizona mortgage broker. Get started today!

FHA, Conventional, USDA Loans—Arizona Mortgage Brokers Work With Them All!

There are about a million and one different ways to finance a home. There are FHA loans, conventional loans, USDA loans, loans that require 20% down, loans that require nothing down, loans that you can pay twice a month or once a month—you get the picture. Rather than wade through all of these and weigh the pros and cons of each, why not consult an Arizona mortgage broker? An Arizona mortgage broker can help you determine which loan is best for your situation and circumstance. They will explain the basics of each loan and provide their input on which they think would be best for your budget. When making a purchase as large as a home (likely the largest in your life!) you don’t want to mess around with the financial aspect of it. Allow an Arizona Mortgage Broker to do the legwork for you—after all, they already know the industry.

Which Loan Will My Arizona Mortgage Broker Process For Me?

It’s important to keep in mind that an Arizona mortgage broker does not actually do the lending. Instead, they help you gather all the paperwork, prepare the loan application, and submit it to the lender for the underwriting process. They work with you on these things, but they also do a lot of work on the side on your behalf that you may not know about.

They are constantly researching interest rates and different types of loans. Since real estate is an ever-changing market, brokers must always stay abreast on the latest happenings. Subtle changes in government, demand, consumers, etc. all have an effect on the market, so you need to be working with someone whose sole job it is to know these things.

USDA loans do not require a down payment, often times. If you live in a rural area and feel you don’t want to part with your savings, this may be the loan for you. FHA and conventional loans do require a down payment and those percentages vary. Your Arizona Mortgage Broker should be able to help you determine what you can afford after you have gone through your finances together.

Dennis Dahlberg
Broker/RI/CEO/MLO

Setabay Home Mortgage
Tel:  (623) 582-4444 | Fax: (888) 279-6917

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