Are you Investing in Deeds of Trust in Arizona.

Are you Investing in Deeds of Trust?

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

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

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

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

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

Also, your money is secured by the real estate.

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

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

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

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

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Tel:  (623) 582-4444 | Fax: (888) 279-6917
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120

Loan Document Requirements for a Home Loan in Arizona

What are the Document requirements for a Home Loan aka Home Mortgage?

Hello, Dennis here, have you ever wondered what are the loan documents you need for a home mortgage are?  Well, if you are applying for a new home mortgage today, most likely it is going to be a full documentation loan also called a  ‘full doc’ loan. This means that all of the documents for this loan must be submitted to the lender when they evaluate the loan. Since the lender is responsible to verify your qualifications, they need to make sure that you can indeed qualify for the loan. Lenders verify this by looking at the documents you submit so they can verify the accuracy of the information. 

Some borrowers in the past have faked this information, so it is up to the lender to make sure you qualify for the loan. The lender will compare your income and all of your expenses and see if you fit in the qualified range.  In the past the lender would ‘take your word on it’, but unfortunately, that is no longer an option. Now full documentation needs to be provided to the lender. For this ‘full doc’ loan, you must give your lender at least two years of income tax returns. 

They assume that you would not lie to the IRS and the information is accurate, but eventually down the road the lender will ask the IRS to provide a certified copy of the same tax returns and compare them to the ones you submitted.  No cheating here! Next the lender wants to see bank statements.  Usually one to two years is required. The lenders use the bank statement to compare with the next set of documents needed: paycheck stubs and w2’s.  The lender wants to see that the paychecks are being deposited in the bank. The lenders require this information because they are the hook if you default on the loan.  They need to make sure you can qualify for the loan and meet the guidelines set by --- you know who the federal government. So be patient, and get ready to start gathering the information when you apply for a home mortgage. Without this ‘full doc’ of information you will have a hard time getting that home mortgage you need. If you are looking for a home loan on real estate, see us at




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

Phoenix Private Hard Money Loan in Arizona, What is it?

What is Private Hard Money Loan?

Hello, Dennis here, have you ever wondered what is a private Hard Money Loan? Well let me explain.  A Arizona Hard Money Loan is a secured loan from a Lender to a Borrower and is backed by a Hard Asset. This is not like a traditional loan. With a traditional loan, a lender makes a loan to the borrower and in return, the lender receives a promise to pay from the borrower that states the borrower promises to pay back the loan based on pre-arranged terms. Some lenders don’t like promises. Some lenders want more because unfortunately not all borrowers keep their promises. In those cases, what the lender wants is additional security from the borrower just in case they don’t make the payments; something put up as collateral that the lender gets to keep if the borrower is not able to keep their promise. That something is called a hard asset. A hard asset is something that you can touch and see. And if the borrower does not make the payments, the lender takes it from the borrower and keeps it and the borrower loses the asset. In real estate, a hard asset is secured using a legal document called a Deed of Trust and is usually a home or some other type of real estate, but can also be anything of value such as gold, diamonds, motor home or anything lender will take as security of the loan. That is why it is called a secured loan and if the borrower fails to make the payments the lender keeps the asset.




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