Direct Hard Money Private Lenders
Commercial Arizona Hard Money Lenders



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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We Specialize in Arizona Hard Money Lenders

 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

Arizona Hard Money Lenders - Just Funded

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much

Hard Money Rental Purchase
Home Value  $946,000
LTV 50%  Scottsdale, AZ

 

Hard Money Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ

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

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

 
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Apartment Hard Money Loans
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ

 
construction

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

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Rental Hard Money Loans
Loan Amount $300,000
8.25% 60 Months
Sedona AZ

 
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Rental Hard Money Loan
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ

 
1203x

Hard Money 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avondale, AZ

320 Austin Purchase at 12

Cash Out Hard Money Loans
Loan Amount $320,000
12% - Closed in 3 days
Austin TX

 
485k 50% LTV

Rental Purchase Hard Money Loans
Loan Amount $485,000
50% LTV
Scottsdale AZ

 
1273 river terrace new braunfelds texas 78130

Hard Money for Lodge/Hotel
Loan Amount $1,400,000
8% - 58% LTV
New Braunfels TX

 
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Hard Money For Cash Out/Refi
Purchase/Construction Loans Hard Money
Give us a call for the Lowest Possible Rates

 
  • “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.”
  • “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
  • “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 Local Commercial Arizona hard money lenders Can Help You Be More Successful

Working with commercial Arizona hard money lenders is a great way to get a project of the ground. However, it may be more advantageous to go local rather than choosing a national entity.

Commercial Arizona hard money lenders generally fund real estate deals, but there are other applications too. The value of the property backs the loan and allows people who might not otherwise qualify for a loan to get the cash they need. Loans are typically structured as short-term deals, lasting only a matter of months or a couple of years. During the duration of the loan, the borrower usually makes interest-only payments, then pays the full balance off at the end of the term.

As you search for the best financing options for your next venture, you’ll find individuals and organizations which fund deals all over the country as well as those which focus on a smaller area, be it a couple of states, a single state, or even just one major metropolitan area. On the one hand, the reason for this is fairly straightforward. Each region or state will have its own legislation regarding how the loans are processed and the terms involved. It makes sense that someone would want to minimize their potential liabilities, paperwork, and headaches by homing in on one set of regulations to follow. However, it actually goes a bit deeper than this, and the other aspects can be a serious boon for those applying for loans too.

Generally speaking, the investors financing the deals are already tapped into the real estate market they serve with loans. For example, someone who now funds fix-and-flips was probably a flipper before becoming an investor. Someone who funds deals on multi-family properties quite likely has experience managing them and working as a landlord.

When You Know the Area, You Risk Less

Not surprisingly, someone who has been on the other side of the table knows exactly what it takes to make a project successful. Obviously, if an investor amassed enough wealth to be able to lend it out, he or she was pretty good at earning before too. However, knowledge is region and niche specific, meaning commercial Arizona hard money lenders who understand rehabs in a specific city can size up someone’s plans with relative ease. If the deal is in another city or involves a different type of property than they’ve personally worked on before, it’s much harder to assess the risk of the loan. Ergo, they’ll stick to financing what they know best to minimize their risk.

When you risk less, you offer better terms to borrowers.

This in mind, choosing to work with local commercial Arizona hard money lenders means you’re likely working with someone who knows your region or city incredibly well and can therefore tell whether you’re making a pitch that will fly or if you plans could flop. When they choose to get behind you, it’s because they believe your plans are solid. This is an important distinction because a national lender may be able to look at stats, but doesn’t know the market like a local will. Because of this intrinsic knowledge, locals may fund deals national entities won’t and may offer better terms than a national outfit will as well. In other words, by choosing to go local, you’re setting yourself up for better deals and lower rates, while increasing your odds of success and potential ROI at the same time.

What Are Arizona Hard Money Lenders?

Arizona Hard Money Lenders are private lenders who fund loans without the use of a bank or mortgage company. Unlike traditional loans hard money is secured by an asset rather than the borrower’s personal credit.

Arizona Hard Money Lenders are either private individuals or private business groups who loan borrowers funds for short-term loans. The biggest benefit of these private lenders is that the loan approval is based on the value of the property being used as collateral for the loan rather than the creditworthiness of the borrower. This opens up a great opportunity for borrowers who cannot meet the stringent loan qualifications of traditional banks and mortgage companies.

The term of most Texas Hard Money Loans is less than five years, making these loans perfect for real estate investors. The recent craze with property flipping has primarily been funded by Arizona Hard Money Lenders as they offer a simple application process and a fast turnaround on the approval and finding. Many banks can take up to several months to approve a loan application but Arizona Hard Money Lenders can approve and fund many loans in just about a week.

In addition to the fast funding, borrowers who have less than perfect credit look to hard money as a viable option for their funding needs. Being asset-based rather than credit based, many more borrowers can qualify for hard money. And because of their limited options for borrowing, they are willing to pay the higher rates charged for the hard money. In the end, it works out well for both parties involved as the lenders are being paid a higher interest rate for the increased risk of a borrower with a low credit score and the borrower has a resource that is less demanding than a bank.

Uses Of Arizona Hard Money

The first real estate deal that most consumers think of when hard money is mentioned is a fix and flip. These are very popular but there are other used for hard money as well. Homeowners who are facing a foreclosure but have strong equity in their home can use hard money to pay off the original mortgage and avoid losing their home. This allows the homeowner the choice of remaining in the home and finding a traditional mortgage to pay off the hard money loan or selling the home at a fair price and paying off the loan. The second option is far better than the foreclosure as the homeowner will keep any profit rather than turning it over to the mortgage company in the foreclosure.

Pros and Cons of Arizona Hard Money Lenders

There are pros and cons to every type of loan and even to every lender. Before selecting a hard money loan, it is important to do your research and find the lender who offers the terms and services that you need at the best rate. Easy applications, fast funding and lower credit requirements are all great but realize that these benefits come at a price that you must be willing to pay to use a lenders money.

Do Arizona hard money loans Work for Cash-Only/ As-Is Deals?

As you begin searching for your initial fix-and-flip deals, you’ll see quite a few ads that implicitly say the seller only accepts cash or that the property is being sold as-is. Generally speaking, Arizona hard money loans (HMLs) work well in these situations, though it’s important to consider the methodology behind the verbiage.

There are many reasons why sellers will list a property as-is or denote it’s a cash-only sale. Usually, it’s one of the following:

  • The property is in such ill repair that a bank won’t finance it. Oftentimes, the seller will mention that the home is “damaged.”
  • The seller needs to be free of the property quickly and can’t wait for someone to get approval. If this is the case, the listing may mention it is a “distressed” property.
  • The price or the value is too low for the property to qualify for a traditional mortgage.

In short, none of these situations really means that the seller requires you to have cash sitting around, but rather, the seller knows you aren’t going to get traditional financing and they don’t want to be bothered with offers that are contingent upon it. They don’t care whether your cash comes from your savings, if you borrowed it from family and friends, or if you’ve obtained an Arizona hard money loans; only that the sale won’t get held up by a bank.

Cash vs. HMLs: Which is Right for You?

There are benefits to going with cash when you can and there are benefits to leveraging Arizona hard money loans as well. If you’re using your own cash, then you’ll obviously have it tied up in the project for the duration, which can be problematic if you run into issues or come across another great investment opportunity while your money is already in use. However, if you have enough to cover it and feel confident you won’t need it, going with your own cash can be the cheapest way to fund a project. Borrowing from friends and family works along the same lines, but you’ll naturally have to be mindful of the repayment terms to avoid causing any issues. With an Arizona hard money loans, you do have to pay to borrow, but the fees can easily be paid for with profit when you manage a successful project.

Getting approval for cash-only properties is easy when you work with the right lenders.

If you’ve got a property in mind that’s listed as a cash-only or as-is sale, do your homework to ensure the purchase and rehab will be profitable. Spend time getting to know the property, what it has been appraised at, what challenges you’ll face when doing upgrades and repairs, and what similar homes in the area are selling for. Then, check with a broker to find out what terms you qualify for before approaching the seller. Armed with information and an approval in your back pocket, most sellers will jump at a fair offer, and perhaps even a low offer, regardless of whether your cash is coming from an HML or your personal bank account.



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