Monday, November 9, 2015

Texas Hard Money Lenders Can Make YOUR DREAMS Come True!

If you dream of having a lucrative career as a real estate mogul, you need to start thinking about Texas hard money lenders. Texas hard money lenders are investors, equity firms, or mortgage brokers who make it their business to loan capital to real estate entrepreneurs. You can use these loans for almost any real estate need from purchasing a fix and flip property to making a down payment on an investment property you plan to rent, or even as a down payment on a vacation property you are going to rent out.

Really, with Texas hard money lenders, the sky is the limit! If you want to get serious about turning you dream of become the next real estate success story into a reality, it is time to start finding some reputable Texas hard money lenders. Here are a few tips to keep in mind during your search:


  • Come in with a plan. Texas hard money lenders are not giving you a gift, they are giving you a loan. You need to tell them how you plan to make money for yourself and for them. Have realistic values and a timeline for your investment.
  • You will pay higher interest rates. Hard money loans Texas come at a higher price than most traditional loans because they are a greater risk for the lender. Plan to pay off the loan quickly to save money on interest.
  • You will get your money quickly. Often it takes as little as two weeks for you to get cash in your hands. 
  • Your FICO score doesn't matter. Don't sweat it if you have less than perfect credit. The value of your investment is more important than your personal finances. 
  • Get ready to have you life changed. Once you start using hard money loans Texas to invest in real estate, you won't want to go back to your 9 to 5 again. Find Texas hard money lenders you can trust to keep doing business with. 



Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027


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About the author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true.

Dennis has been married to his wonderful wife for 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.


How to Make Money and Be Your Own Boss With Hard Money Loans Texas

For some people, the daily grind of punching a time clock and working in a cubicle is just fine. For others, it can be pure torture. If you are the latter, it is time to start looking into hard money loans Texas as a way to make money with real estate investments. This will let you be your own boss and get off the hamster wheel for good.

When it comes to hard money loans Texas, the best place to start is with Texas hard money lenders. Texas hard money lenders specialize in alternative funding for investors and hard money loans. A hard money loan is cash loan that is funded by a group of investors. The loan is underwritten by a mortgage broker so it is safe. Hard money loans Texas are meant to be short term loans that can be used to fund real estate investments (although there are other ways to use them too).

Once you have found a lender for your hard money loans Texas, you need to find a property. One of the best ways to make money is to purchase a house that you can "fix and flip." Choose a home that has the potential to build equity quickly so you can make the largest possible profit. In many cases, you can even get some extra capital with your hard money loans Texas that can be used to do many of the repairs and cosmetic fixes for the house.

When you are looking for a property, here are a few things to keep in mind:


  • Location. Texas hard money lenders know that location matters. Choose a great block with good schools. Then, find the worst house in the neighborhood.
  • Don't shy away from foreclosures, short sales, or bank owned properties. Sometimes these may take a bit longer to close but you can usually get a good deal. And having cash in hand from your hard money loan means that you can usually close more quickly than you thought. 
  • Get a home inspection. You know there will be issues, just make sure that there is nothing that will be too expensive to fix. A home inspection can help find any hidden issues and help you develop a realistic budget. 
  • Hire pros. Don't try to do the entire house by yourself. Know when you need to find a handy man, plumber, or tile guy. And make sure to keep them on speed dial.
  • Price the home right to sell quickly. This will help maximize your profits while minimizing the amount of interest you have to pay on your hard money loans Texas

That's it. If it sounds easy, that's because it actually is. Once you get the hang of using Texas hard money loans to invest in real estate, it will quickly become your passion and full time job. No more corporate ladder for you. It's time to be your own boss. 



Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027


 You TubeFace Book  Active Rain  Linked In

About the author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true.

Dennis has been married to his wonderful wife for 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.


Wednesday, October 28, 2015

The 3 Benefits of a Private Hard Money Lender in Texas


The economy has made traditional lenders a little worried about your credit score. Many real estate investors are finding themselves unable to purchase investment properties due to a bad credit score or unfavorable debt to income ratio. If you find yourself in this situation, you are not alone. That’s why Texas hard money loans made by private money lenders Texas are among the best ways to get started flipping that house today, even when you don’t have the credit you once had. With Texas Hard Money loans, you actually don’t need to have perfect or even good credit. Take a look at this three facts you might not have known about private money lenders Texas. 
  1. Like we said above, with private money lenders Texasdon’t worry about your credit score. Your lender sure isn’t! Instead of worrying about your credit score, start worrying about what you’re going to do with the house you want to flip! Really, lenders are more concerned about the property you are borrowing against and whether or not you are going to repay the loan, but they judge that based on character. This loan really has nothing to do with your FICO score, so stop worrying about it.
  2. You have to be realistic with private money lenders TexasWhy? Because this is a loan, not a gift. Really be honest about how long you think your home renovation project is going to take and be up front with your lender. For example, do not say you will only take a month if you know it will take three. That would be bad faith and give you a bad reputation. Plus it could end up costing you a lot extra in interest and penalties. Give yourself enough time to pay the loan off. If you find that your project is taking longer than you anticipated, ask for an extension on your hard money loan. 
  3. One last tip is that Texas hard money loans really aren’t as expensive as you think they are. This is especially true if you can make your turn around time on your home investment quickly. The loan does carry a higher interest rate, but it is meant to be a short term investment that can help you and your lender make money fast. It is a win-win solution. 

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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Foreclosure Auction Texas A Texas Hard Money Loan is the Right Choice for Auctions



Foreclosure Auction with Texas Hard Money.

It used to be so easy to get a bank loan whenever you wanted to flip the house you’ve had your eye on or to create the home of your dreams. It’s not like that anymore though. Loans, the traditional kind at least, are difficult to get your hands on depending on the kind of credit you have.
You really don’t have to be frustrated or scared to get a loan different from the traditional loan. Think about getting an Texas hard money loan, an alternative to the traditional bank loan that is easier to receive and that means you get to start working on your project sooner rather than later.
Private money lenders Texas might be the best thing for your project. You can get a jump start on it since the processing time is fast and you don’t have to worry at all about your credit score. That’s not what an Texas hard money loan is looking at- instead, your property is evaluated and the money you get is based off of that number.
We know the economy is a challenging road to travel, that’s why hard money lenders Arizona wants to help you get your Texas hard money loan. We think that you should throw out everything you think about a hard money loan and consider getting what you want and what you need to perfect your home or flip a property.
Remember that this is still a loan, however, so it is important to keep track of your finances and to be fiscally responsible for the money that you take out when getting a loan from hard money lenders Texas. This is an exciting time and a tremendous opportunity. Get on the fast track now! It could change your entire life.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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Wednesday, July 16, 2014

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-Mortgage-Broker-ArizonaDennis 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



Thursday, July 10, 2014

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


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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?

Dennis-Mortgage-Broker-ArizonaHello, 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.



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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