What is a USDA Home Mortgage?

A USDA Home Mortgage Arizona is essentially a mortgage Mortgage, but offered mainly to those who own, or want to buy, rural property. This Mortgage’s purpose is to provide Mortgages and grants to those who want to buy a home in a rural area, but it can be for very low income homeowners in order that they may make repairs, improvements and to modernize. It is also to make sure that their homes are comfortable and modern so that there are no health or safety hazards. You also must meet the income limit restrictions in the county you reside in and the property must also be in a rural area as defined by the USDA It is offered by the United States Department of Agriculture. It is not the typical mortgage in that USDA Home Mortgage Arizona requires no down payment, and may be financed up to one hundred percent of the property value.

If that sounds good let me tell you more about USDA Home Mortgage Arizona!

The USDA Home Mortgages Arizona is really a no money down option, and one of the last on the market. The United States Department of Agriculture is the backer for this particular Mortgage as you could guess by having the USDA in front of it. These Mortgages offer 100% financing. This means no down payment! You can also have a flexible credit guideline. This Mortgage also has fixed rates. Fixed rates! No surprises for you down the road. There is no maximum Mortgage amount. New and existing homes are eligible as well!

USDA Home Mortgages Arizona are a great way to affordably realize their dream of home ownership! If you are interested check out the availability of USDA Home Mortgages Arizona in your area! There is no better time to reach out for your dream of owning a home than right now with a USDA Home Mortgages 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

Videos Links

News and Videos on Arizona Home Loan Servicing and Arizona Home Mortgages.

For Videos and News on Hard Money Arizona Private Arizona Money  go to www.joandidit.com

For Important Videos on investing in Arizona Deeds of Trust  www.westwingaz.com

Hard Money Rates and Information for Arizona  www.dennisazhomes.com

Step by Step Help on Investing in Deeds of Trust Videos and Information for Arizona  www.theboxsupply.com

News and Videos on Arizona Home Loan Service and Arizona Home Mortgages  www.setabayloan.com

Do you know the benefits of USDA Home Mortgage?

 What is a USDA Home Mortgage?

If you are wondering what a USDA Home Mortgage Arizona is, let me fill you in! A USDA Home Mortgage Arizona is essentially a mortgage Mortgage, but offered mainly to those who own rural property. It is offered by the United States Department of Agriculture. This Mortgage’s purpose is to provide Mortgages and grants to those who are very low income homeowners in order that they may make repairs, improvements and to modernize. It is also to make sure that their homes are up to date and modernized so that there are no health or safety hazards. It is not the typical mortgage in that USDA Home Mortgage Arizona requires no down payment, and may be financed up to one hundred percent of the property value. You also must meet the income limit restrictions in the county you reside in. the property must also be in a rural area as defined by the USDA.

Why Might I need a USDA Home Mortgage Arizona?

If you are unable to make important repairs to your property and the matter is becoming a safety hazard then you might need a USDA Home Mortgage Arizona. These USDA Home Mortgages Arizona are meant to help people who reside in a dwelling were it is becoming unsafe to live, whether through a lack of necessary repairs such as bad structure, or health concerns that include, but are not limited to, bad plumbing, poor water quality and supply or pest control problems.

Not just safety is considered, but so is comfort. If your dwelling is ridiculously under-modernized than you might look into a USDA Home Mortgage Arizona. You will not receive the funds to make your rural home a hot spot or a Countrified Ritz, but if you need necessary repairs then this is the Mortgage for you!

Dennis Dahlberg

Broker/RI/CEO/MLO

Setabay Home Mortgage

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 USDA Home Montage is a Smoking Deal for a Home Mortgage.

Tell me more about USDA Home Mortgage Arizona.

If you are curious about looking into a USDA Home Mortgage Arizona then let me help you decide if you want to look further by giving you some of the requirements they look for.

Essentially they are looking for three things in order to qualify for a USDA Home Mortgage Arizona. For a USDA Home Mortgage Arizona, they will want to see your income. You will probably be asked to document at least two years of employment and consistent income history. Some applicants may get an exception like students. You might even fill out a USDA Mortgage Assets because that could help with bad credit.

Then you have to be credit worthy. When someone is evaluating your eligibility they will be looking for a history of paying bills on time. Even if you have had some rough spots, you can still get in if you have been working on your credit for the last 12 months.

They also want to look at your income. This is not too different from other Mortgages. Show them that you have had a steady job and reliable income for the last two years!

I think I qualify. Tell me more about USDA Home Mortgage Arizona.

 A USDA Home Mortgage Arizona is essentially a mortgage Mortgage, but offered mainly to those who own rural property. It is offered by the United States Department of Agriculture It is not the typical mortgage in that USDA Home Mortgage Arizona requires no down payment, and may be financed up to one hundred percent of the property value. If you are looking to buy a house or just property or to help you make the one you live on habitable this is a good option. The property must also be in a rural area as defined by the USDA. That’s about it for USDA Home Mortgage Arizona!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
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

Banks Hate YOU...They won't give YOU a Home Mortgage Dude.

 If You Want Your Dream Home, It’s Time for an Arizona Hard Money Mortgage

To be honest, your options for Mortgages are more limited now and this goes double for people who don’t have great credit. It means that if you want to rehab the home of your dreams, you have to start thinking about private money lenders Arizona.

Private money lenders Arizona is for the average investor looking for a property with very little money but a very big dream. If you have the drive to do what it takes to get the job done, then hard money lenders Arizona is what you need to start looking into so you can get started sooner rather than later.

Banks have new regulations that make it harder to get the money you need to turn the property that you want. The banks that used to give out the money needed to make your dream a reality aren't in the business of trusting people anymore, and frankly, who can really blame them? The financial landscape has changed for the worse drastically. That doesn't mean that people with a solid foundation for hard work don’t exist, however. But their credit scores might not be what they ought. That’s what makes it difficult. That’s why Arizona hard money exists.

Let Arizona hard money help you get back the dream. You don’t need a fantastic credit score when you ask to invest with private money lenders Arizona. All you need is great character and drive. Arizona hard money exists to give you another chance in this market where a lot of people are really struggling to make ends meet. Private money lenders Arizona really wants to see you succeed. We, additionally, cut out the difficult paper work and the long wait for your money, so you can get started on your dream faster. Arizona hard money lets you begin creating your beautiful home almost immediately. Don’t hesitate to look into Arizona hard money. 

Arizona Hard Money    ---   Arizona Mortgage Broker

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

What do you need to know about Private Hard Money Lenders.

All About Your Hard Money Mortgage: What You Need to Know About Private Money Lenders

It used to be easy enough to get the Mortgages and financing that someone needed to get started on the rehab project they always intended to do. However, financially, the landscape has changed. It isn't so easy to get that money anymore.

That leaves you asking, what are your options? Let’s say you want to slip a house or purchase a home that needs to be fixed up; let’s say you want to build your dream home. What now?

With the economy in a rut, and credit scores all over the place, the traditional way of getting a Mortgage from the bank isn't really applicable anymore. That’s why private money lenders Arizona is such a fantastic opportunity. Whether you want to flip your house to a private investor or live in it with your family, hard money lenders Arizona is definitely the way to go to get what you need to have the property of your dreams. 

Let’s go through why hard money lenders Arizona is the best way to get the money you need for the home you want:

1. The Arizona hard money Mortgage received is not based off of the credit you may or may not have, it it based on the value of your property.
2. A hard money lender Arizona Mortgage is absolutely the easiest kind of Mortgage to get- and the fastest- for rehabbing your home or property.
3. As soon as you qualify, you can begin paperwork and in far less time than it would take for a traditional Mortgage, you will have your money from a hard money lender Arizona.  It is just that simple, there’s no need to stress.

Moreover, if you are absolutely sure that you want to flip your property, then Arizona hard money Mortgages are the absolute best way to get what you need and do what you want. The reasoning behind this is simple math; when you’re in the property you've borrowed against for less time, the added interest rate of 10 to eighteen percent tends not to damage your profit margin all that much. Get started today.

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 120
Phoenix AZ 85027

You deserve an Arizona Home Mortgage

Get the Arizona Home Mortgage You Need 

Looking for the right project for your Home Mortgage Arizona? First, it is important to find the right project since money is going to given out based on the appraisal of the property that you want to borrow against. In reality, this is where the name hard money comes from; the hard asset that you will be borrowing against instead of your credit score. Your private money lender wants to help you out! So let them!

Find them a great property that they can’t say no to. This is very important because you want to be in a great neighborhood and you want it to be a great place with a lot of promise. This will entice the hard money lender into giving you the Arizona home Mortgage. Moreover, you want to make sure that you are prepared and you do the research. If you are here that’s a great step and shows that you’re ready to find an investor! Yup! That’s it! It really is that easy to get the Arizona home Mortgage  that you want.

Get an estimate of what you can get for your property and then talk to the hard money lender who can dole you out the payment. If you know how you will repay the hard money lender for your Arizona home Mortgage then everything will be great! You will be so happy that you decided to take an alternate route and get a hard money lender for your Arizona home Mortgage. Take advantage of the deals you get from your hard money lender sooner rather than later by getting your Arizona home Mortgage today! If you've been thinking about making that big change, then do it! It’s time. Get your Arizona home Mortgage and you can be happier sooner rather than later.

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 120
Phoenix AZ 85027

Do you feel like dirt when you apply for a home Mortgage?

The Arizona Home Mortgage That Can Fix Everything 

Not everyone’s credit is fantastic. This we know. You might even know better than anyone when you checked it last. If your credit isn't up to par but you want the Arizona home Mortgage that can get you your house, then the time is now to check out a private lender in Arizona to get you the money you need to start living the life you actually want to live.

While we understand that your credit score might be terrible or even non existent, it’s important to remember that you don’t have to panic. There is time to figure out how to get the money and the best way to do that is to go forth and find yourself a private lender Arizona who can get you the Arizona home Mortgage that you really want and might even severely need.

Don’t hesitate to ask for the Arizona home Mortgage you know you deserve. Banks don’t have any right to make people feel bad about what the economy has done to them. This is an unfortunate circumstance that a lot of people have recently found themselves in, but if you know that you need an Arizona home Mortgage but you don’t have the credit score to get it, then it is time to start talking to your private lender in Arizona to get you the money deal that can fix everything.

You don’t have to think that the bank is the last place for you to go. There are plenty of ways to get the Arizona home Mortgage that you really want. Go look for it today.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
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

What are the documents need for a Mortgage Home Mortgage in Arizona?

What Documents Will My Mortgage Broker Arizona Want from Me?

OK, so you've chosen a broker. That’s a big check mark in your long list of to-do’s when you’re searching for a home. Now that you have a mortgage broker Arizona, your life just became that much easier. 

However, the real work also begins at this point. Your mortgage broker Arizona is going to be needing your participation in this process. Here are a few things they will most certainly need from you:

1. Social security numbers.

2. Names, account numbers, and balances of all checking and savings accounts.

3. Your most recent pay stubs and W-2s.

4. The last two years of federal income tax returns.

5. Your debt information.

How Can My Mortgage Broker Arizona and I Work Together?

You've hired your Mortgage Broker Arizona to do the tough stuff, but that doesn't mean you’re off the hook. You still have to put forth some effort to make sure you qualify for the best Mortgage at the best rate.

Be willing to comply with the things the mortgage broker asks of you. Don’t hesitate on digging out your documents and providing them to your broker—this is one thing you will have to do for yourself.

Be honest with them. If you have a major debt or a shoddy credit history, this is the person to tell. They can represent you in the best light, while still being honest. You’ll be surprised at the Mortgage you can qualify for when you go through the motions with a  mortgage broker Arizona. They know the industry and they know just how to get you qualified.

Be timely. Rates change every day and if you’re in a hurry to get into your dream home, you need to be in a hurry to do your part of the work. Don’t leave your mortgage broker Arizona high and dry—if they ask something of you, do it and do it fast. They likely have other clients to work with, and while you are a significant priority for them, everyone’s lives are easier when you comply with their simple requests.

I've Found the Right Mortgage for Me, What Does My Arizona Mortgage Broker Need Now?

OK I found the best Mortgage from my Arizona Mortgage Broker. Now what?

You've found the perfect house. You've found the perfect Mortgage. Everything is in place. But somehow nothing is in place. You and your Arizona mortgage broker still have a lot of work to do. They will need a lot of documentation, cooperation, and participation from you from here on out. Here are a few things your Arizona mortgage broker will need from you now that everything is in place:

-A purchase contract—you may or may not have one yet for the home you are purchasing, but if you do, give it to your broker.

-You’ll need your basic identity info: social security information, ID, etc.

-Your banking information: balances on all checking and savings accounts and the information to your bank (address, phone number, etc.)

-Your employment and address history for the last two years, including phone numbers, addresses, etc.

-Tax records for the last two years

-Any debt information that you have (Your broker will need to determine your debt to income ratio—this is key!)

How Can My Arizona Mortgage Broker Help Me Qualify For a Mortgage?

You’re about to be very surprised at what an Arizona mortgage broker can do for you that you can’t do for yourself. You may think you can do the Mortgage on your own, but your broker can help you greatly. They can represent you honestly, but positively, which is especially important if you have poor credit history.

They will help you gather your documentation, prepare it for you in a Mortgage application, and shop around for the best interest rates. Arizona mortgage brokers know the ins and outs of the market, so leave this hard stuff to them and you get going on the rest of the home buying process.

Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC

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

Getting a Good Faith Estimate From Your Arizona Mortgage Broker

What does it mean to get a Good Faith Estimate when you do a mortgage?

First, you might be wondering what a good faith estimate is. Sometimes, in the real estate world, this is referred to as a GFE, and is simply a quick form that provides you with the information about the terms of the specified mortgage Mortgage you applied for and how much the Mortgage will cost you to acquire. After you have submitted your Mortgage application, your Arizona mortgage broker will provide you with a GFE within three business days. You will not be charged any fees until you have received the GFE from your Arizona mortgage broker.

If the lender denies your application for a Mortgage, your broker will not provide you with a good faith estimate. At that time, if the lender doesn't tell you on their own, you have 60 days to request a reasoning as to why your Mortgage was denied.

Does a GFE Require Me to Take on a Mortgage?

No! A GFE is just a formality. After your Arizona mortgage broker provides you with a GFE and explains the terms and conditions to you, you are absolutely not obligated to take the Mortgage. (Though most people do—that’s why they applied in the first place.) It also doesn't commit the lender to give you the Mortgage. It’s just an explanation that helps you compare Mortgages side by side and explain how the Mortgage works and the terms and conditions involved.

Your Arizona mortgage broker may provide you with a few different GFEs and that’s OK. They will help you compare these things side by side so that you get the absolute best and most affordable deal possible.

Dennis Dahlberg  Broker/RI/CEO/MLO

Level 4 Funding LLC

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

Can I use Part Time Income when I apply for a Mortgage in Arizona?

Will a Mortgage Broker Arizona Consider My Part-Time Income?

There is not a simple answer to this question, and it does come up often. A Mortgage Broker Arizona may mortgage broker Arizona may count it. If the job is just a little part-time income for extra play money and doesn't make up a large percentage of your full-time job, it will likely not be documented. Work with your mortgage broker Arizona until you reach an agreement that works for you both and keep in mind that they know the industry and are going to do what is in your best interest.

or may not consider your part-time income when filing your Mortgage application. Essentially, it all goes back to the lender…it is, at the end of the day, completely your decision. Most of the time, your part-time income will not count toward the income you put on a Mortgage application. However, if you have worked at your part-time job for at least a few years, you plan to work there for several more, and that job provides a significant amount of your income, your

Can my Mortgage Broker Arizona ask me about Alimony, Child Support, or Other Payments that I Receive?

Again, you want to be honest with your mortgage broker Arizona. Remember that they are on your side and they want to get you the Mortgage. That being said, your broker will probably ask you about these things when filling out the Mortgage application. However, if you don’t want the creditor to consider these payments in your application, you need to indicate that to your broker. Your broker will probably tell you from the get-go that you do not need to reveal that information to them if you don’t want it considered. Don’t put them in a sticky situation of having to lie…just be honest about your circumstances and work closely with your mortgage broker Arizona every step of the way.

Arizona Home Mortgage

Arizona Mortgage Broker

Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC

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

No credit, no you cannot have it. I said no! You have bad credit.

Didn't Your Mother Ever Tell You NO?

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 Arizona Home Mortgage.  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:

low 400 ranges and they want an

The credit score is the King when it comes to a Mortgage 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 Mortgage this usually does not work.  When you get down to the Nitty Gritty, they don’t care and your mom does not work there.

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. 

When the borrower is told NO, that they will not qualify for that Arizona Home Mortgage, this news is not new news for them.  They already know the answer.

People want to focus in on the problem and not the solution.  They will tell you about 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?  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 Mortgage is not going to happen.  If you don’t believe me ask your mother.

Dennis Dahlberg
Broker/RI/CEO/MLO
Setabay Home Mortgages
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