Direct Hard Money Private Lenders
100 LTV Hard Money Lenders in Arizona

How much do you need?
Over $40,000,000 Funded

All of Your Funding Problems are Solved Here!
Get the Lowest Possible Rate Term Guaranteed

Residential From 7.99% APR*
Fix & Flip 90% LTV with 100% of Rehab*

If You Are Not Using Level 4 Funding You’re
Probably Paying Way Too Much

That’s It! The Stress is Gone
No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs or No Credit Required
No UP Front Fees - No Junk Fees

More Real Estate Investors Became
Millionaires and You Can Too
Do Real Estate Investing and Take Over the World

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Get you approval for the loan within 24 hours.


We Specialize in 100% Hard Money Loans in Arizona

 No More Begging

No Jumping Through Hoops

No Tax Returns

 No Pay Stubs*

 No Credit Required

 No Up Front Fees or Junk Fees

Flexible Terms From 3 to 60 Months

 Fixed Rate From 7.99% APR*

Up to 85% As-Is Value, 100% of Rehab Costs

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

 Trust Deed Investing

Hard Money Lender 100% Hard Money Loans in Arizona

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much


Cash Out Hard Money Loan
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ

Cash Out Hard Money Loans
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA


Construction Hard Money Loans
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ

  • Paul Nordini
    “Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.”
  • Roger Johanson
    “I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.”
    Roger Johanson
  • Rick Carrol
    “After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.”
    Rick Carrol

Why Don’t 100 LTV Hard Money Lenders in Arizona Exist?

100 LTV hard money lenders in Arizona are a bit of a unicorn in the finance world. If you think you’ve found one, you’d better take a closer look.

If you’re in construction, fix-and-flips, or a myriad of other businesses which leverage alternative financing options, you’ve probably heard that there are a few 100 LTV hard money lenders in Arizona out there who can help when you need to maximize cash out. In short, LTV references “loan too value” or the amount of money you’re getting in relation to the value of your collateral. In fix-and-flips, that’s usually how much you’re funded in relation to the current appraised value of the home, though sometimes other forms of collateral are used. For example, if you manage to snag a property that’s currently worth $100,000 and your $75,000 bid is accepted and you finance the whole sale, your loan to value is 75%. If, instead, you got caught up in a bidding war and you agreed to pay $100,000 for that property, you’d be looking for 100% loan to value.

The hard reality, however, is that nobody wants to lose money on a deal. You certainly don’t, and the investors who fund your project don’t want to either. If you were approaching a traditional bank for a mortgage, they wouldn’t take risks as well. That’s why they generally require 20% down, making the loan to value 80% if you purchase your home for its appraised value. You can sometimes get away with less, but that’s seen more when the bank has assurance from another source, such as the government, that the costs are getting covered if you default. After all, there are expenses in liquidating a property. The bank will spend time and money getting your home ready and on the market again if you don’t pay, so it’s going to build in a fail-safe; that’s the reason why homebuyers have to provide a hefty down payment.

The same is true of alternative funding. If your investor gives you the full value of your collateral, he or she could wind up holding the bag if you default. That would be a terrible business decision, and investors have wealth because they make smart business decisions, so the concept of getting 100% simply doesn’t make sense.

Buyer Beware: 100% Loans Are Rarely Legit

Some may advertise themselves as 100 LTV hard money lenders in Arizona, but there’s usually a catch. For example, some charge fees to join a group or participate in a funding scheme. Others hit you for a pricy application fee, which can, in some cases, amount to thousands of dollars. You must always do your diligence and find out what the real terms are and where the extra money is coming from because chances are, they are not really going to offer full value in a loan.

Look outside the box or find someone else to lend a helping hand if you’re trying to maximize your loan.

Instead of looking for 100 LTV hard money lenders, see if you can purchase property for less than it’s worth. Great deals still exist. This way, it’s possible to pay for the property and perhaps even the repairs with your funding. You can also seek out a 90% option. Although rare, these are not unicorns—they do exist, and you’ll only need to come up with 10% on your own. Above all else, do your diligence. Work with a reputable company and read your terms to ensure you’re getting the real deal.