Wrecked Credit History? Consider Arizona Home Loans with Bad Credit

People can sometimes get caught up with financial issues by tending to apply for unnecessary loans, max-out credit cards or borrow emergency money from lending firms. Due to unexpected expenses, individuals will sometimes have to delay payments or worse, they will default on their debts. Doing so will now cause these people to obtain a very poor credit score.

When the time comes that you need to apply for another loan or you want to apply for a housing loan, you will be in trouble. When applying for a housing loan or a mortgage, lenders and banks are very scrupulous in checking you credit history. These financing agencies will have to dig through all your finances including credit card bills, bank reports, present loans, etc. Before you can get your loan application approved, they will evaluate your financial situation and rate your resulting credit performance.

And yes, because of these unpaid loans and delays in payments, you will likely to tagged as having a wrecked credit history. You will then have to consider applying for Arizona home Loans with bad credit.

Filing an application for a mortgage involves having to improve or clear up your bad credit history. These types of loans are best suited for people with the following issues:

• A very unfavorable credit history
• People who still have existing home loans
• People who are drowning in too much debt
• Borrowers who have huge bills from credit card companies
• People who are caught up in personal loan defaults and amount over dues
• Individuals whose loan applications have been previously declined by other banks and lenders

Applying for Arizona home Loans with bad credit gives people with poor credit history to take advantage of subprime mortgage loans, that enable them to finally get an application approved. However there is a slight catch. Since the lender is the one burdened with higher risk, it will cost the borrower a higher interest rate.

But don't let that stop you. When a subprime mortgage is used responsibly, a lower interest rate may be allowed. The State offers responsible borrowers what they refer to as an Adjustable Rate Mortgage or ARM. This allows the borrowers to enjoy a lower interest rate in a prescribed span of time, specifically 1 to 7 years. After the lock-in period agreed upon, the interest will eventually increase to a higher rate.

Further by using an ARM, the interest rate can be leveraged. The homeowner can have the loan refinanced that will result in a lower mortgage rate, or simply apply for another Adjustable Rate Mortgage.

Applying for Arizona home Loans with bad credit is somethingto be taken seriously. 

If the borrower has another mortgage default, it would really difficult for another loan application to be approved. Make sure you are following the right steps to apply of a mortgage by contacting us at Level 4 Funding. Don't hesitate to give one of our knowledge loan professionals a call. Contact us at 623-582-4444 and speak to one of our friendly associates.

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

Arizona Mortgages for Bad Credit: FHA Loans

An FHA loan is a home loan backed by the Federal Housing Administration. It is a type of mortgage that allows lower income and bad credit borrowers to obtain home loans. If you are searching for Arizona mortgages for bad credit, and FHA loan may be the perfect option for you.

If you have bad credit, a home mortgage is a valuable tool for rebuilding your credit, but it may seem almost impossible to obtain. Most banks will turn away borrowers with a credit score of less than 640. However, nearly 25% or 42.5 million credit using Americans fall into this category. If you find yourself searching for Arizona mortgages for bad credit borrowers, you might want to look into an FHA loan. There are FHA loan programs with a FICO Score as low as 550.

The Federal Housing Administration is a government agency that is responsible for helping to insure home loans. In order to qualify for an FHA loan, an applicant must make arrangements with an FHA accredited lending institution. The federal government via the Federal Housing Administration then insures the lending institution against loss in case the borrower fails to pay their mortgage on time. The borrower pays an insurance premium for this service of .8% of the loan amount upfront (usually financed into the loan amount) as well as monthly PMI payments. In order to qualify for an FHA the borrower also has to make a 3.5% down payment at closing.  An FHA loan primarily serves individuals who cannot afford to make a traditional down payment or who may have less than perfect credit.

Banks and lenders are more willing to give out FHA loans as Arizona mortgages for bad credit because there is a two tiered system of insurance to prevent loss in case of default. The first type on insurance is an upfront payment that is rolled into the cost of the loan. The second type of insurance is a mortgage insurance premium or MIP. The MIP is paid monthly and is added onto the cost of the mortgage payment. The MIP is a percentage of the loan amount that is determined by the value to debt ratio of the property as well as the length of the loan term. If you decide to obtain and FHA loan, it is important to keep in mind that you will make higher monthly payments due to these types of insurance.

The FHA Loan Process

If you have been researching Arizona home loans for bad credit and have decided that an FHA loan is a good option for you to purchase Arizona real estate, it is important to know what to expect in the qualification process. One key detail is that the Federal Housing Administration does not make loans. In order to obtain a loan you need to find an FHA approved bank or mortgage broker. Each bank can set its own interest rates and loan terms so it is important to shop around. A mortgage broker may be a better option because a broker can shop different banks for you to find the most favorable loan terms.

Once you have found a lender, the lender will assess you and determine if you qualify for a loan. You will be asked for proof of income and the lender will run your credit. If you have bad credit, you may be charged a higher interest rate but will often still qualify for an FHA loan due to the government backing. In addition, FHA loans allow for certain economic set-backs that can allow many bad credit borrowers to qualify for a home loan.

If you have little credit or bad credit, the FHA will also allow for a co-signer or co-borrower. Unlike other loans, the co-borrower does not have to live at the property with you but you can use their credit score to help you qualify for the loan. The FHA also has a hybrid adjustable rate mortgage program that can allow borrowers with high debt to income ratios to take advantage of low interest rates to purchase a home.

If you are looking for Arizona home mortgages for bad credit, an 

FHA loan may be a good option for you.

As with all loans, there are pros and cons related to FHA mortgages. They can be a good tool to help low-income buyers or borrowers with bad credit, or first time homebuyers without the resources to make a hefty down payment. It is important that you meet with an Arizona mortgage broker to discuss FHA loans along with other programs related to Arizona mortgages for bad credit. Talking with a broker will ensure that you know all your options and can make an informed decision about your home purchase.

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

Bad Credit Home Loans are More Common Then You Think

Buying a house and obtaining a loan from a bank is just one of those events in life that everyone goes through. However everyone also goes through the realities of keeping up a good credit score. And the reality is that you need good credit in order to secure a common mortgage loan from the bank. For some it is hard to keep up a good credit score and unsavory situations can occur unexpectedly. Also poor, uneducated decisions can lead to bad credit. All of these situations hinders the ability to buy a home, buy a car, or buy anything else that often needs credit.

When it comes to buying a house or any other large purchase item, the ability to show that you are a responsible borrower is essential. Just because someone has bad credit does not mean they are irresponsible or lack the income to make monthly payments on a loan. Hopefully there is still a chance that people with bad credit can still get a mortgage with Bad Credit home loans. Bad Credit loans are therefore more common than you may think.

How do people end up with Bad Credit home loans?

Bad Credit home loans are specialized to deal with people who want a mortgage but have a poor credit history. There are many circumstances that can lead to bad credit. People with bad credit may have a missed a few payments in the past or simply have an untraditional job, like a self-employed contractor. These kinds of circumstances hinder a person’s ability to take out traditional loans, especially for expensive items like a house. Without the ability to get a mortgage, bad credit individuals are out of luck when it comes to purchasing the house they want. Without a mortgage, they would have to continue renting or consider a much simpler living arrangement. They would have to qualify for a smaller loan or even pay in cash until their credit is improved. Improving bad credit also could take many years and a lot of patience. Many borrowers cannot wait that long and consider alternative ways of borrowing. The most common method is to apply for a mortgage specifically made for people with bad credit.

What do people do to qualify for Bad Credit home loans?

Because Bad Credit home loans are so common, they are generally easier to qualify for than typical loans. Unlike traditional lending through a bank, a bad credit loan is obtained by a specialized mortgage lender. Specialized mortgage lenders are professionals that help people successfully purchase the home they want. There are no fees or contracts of any kind when you speak with a loan professional. And unlike banks, they are willing to do what they can to get you approved for a mortgage.

Look in your phone or other common news directory in order to find a bad credit loan professional. Be sure to check out their reviews and other reports of their business practices. However if you are looking for an experienced lender, speak to Dennis Dahlberg at Level 4 Funding, LLC. With over 40 years of experience in real estate buying and selling, he knows what it takes to get approved for a mortgage despite bad credit. Call him today at 623-582-4444.

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

Bad Credit Mortgage Arizona: Why Credit Matters

Credit does matter when it comes to lending. Similar to job history,credit proves to lending companies that you have experience in the art of borrowing. Credit history can demonstrate trust, responsibility and commitment in terms of the ability to pay back what you owe. There are many situations where you may need a loan. Especially when it comes to buying a house.

How to determine bad credit and why does it matter when it comes to purchasing a home?

According to FICO International and other popular credit bureaus, a bad credit score is any score below 640. Credit scores above 640 are considered fair, good or excellent. Once your score is above 640, the chance of being approved for a loan increases significantly.

How does your credit become poor? What activities occur that results in bad credit?

Late payments. If you are late on credit card payments, that likely will have a negative effect to your credit score. To aid, this you may want to have your bills automatically deducted from a checking or savings account. This way you will not miss a payment and there will be no negative ding to your credit score. You can be confident that you will not miss a payment.

High debt. High debt can originate from any number of things. Debt is considered high when is over 1/3 of your monthly income. When you are living paycheck to paycheck, it is hard to keep track of your credit. Your income must be high enough that you are not worried about debt payments. Furthermore you have enough income that you can comfortably afford living expenses despite the inclusion of debt.

Defaulted on previous loans. If you have defaulted on loans in the past, whether they were loans for a car, healthcare or other situation.

Business failures. It is common knowledge that most businesses fail within the first couple of years. If you have ever owned a small business, than you may likely have experience in ventures that have failed. Owning a business can be stressful and before you realize it, you have spent most of your savings keeping it going.

Having a low credit score can hinder your ability to qualify for a traditional loan. This includes any vehicle, business or property loan. As we discussed from the beginning, credit history is similar to work history. It is a proven way that lenders, like employers, can take a background look at your ability to control debt responsibly. Your credit report (i.e. work resume) describes how you manage debt accounts and whether you have made payments on time. Of course, just like a resume, a credit report does not take in effect the details of your ability to borrow. It also does not account for simple mishaps and unfortunate tragedies that may have affected your credit. 

The situations explained above are such examples of unfortunate events. Many of these situations are at times not your fault and can come to as a surprise to you. Fortunately, good credit is not the end all, be all in securing a home loan.

 Common Misconceptions of Subprime mortgage Arizona

Subprime mortgages can be very useful for people that are looking to buy a house. Without this type of mortgage finding a loan may be difficult if you are struggling with any kind of financial difficulties. Many of these financial situations are out of people’s control and unfortunately this leads to a failure to qualify for large loans, especially mortgages. Knowing this fact, it is nice to know that there are other options available like subprime lending.

Despite the obvious upsides of Subprime mortgage Arizona there are negative connotations with these types of loan. In this article we will discuss and debunk the most common misconceptions about subprime lending. Consequently we will also examine the reasons why sub prime loans are actually helpful to buyers.

Why are Subprime mortgage Arizona cast in a bad light?

1.       Subprime loans are only lent to those that can’t afford them

This is simply not true. There are many different types of lenders along with various kinds of financial backgrounds. A lot of these situations weren't simply due to the lack of a person’s income. Unfortunate situations can occur which are not under the person’s control. Situations like employment status, defaulting on a high loan or previous mortgage; even such events like natural disasters. These situations often have nothing to do with whether buyers can afford to pay off a loan. Homebuyers may likely have the funds to carry a mortgage but simply had a past that disqualified them for a bank-sponsored home loan.

2.       All sub prime mortgage borrowers have bad credit

As mentioned above, there are many different types of loan borrowers. These borrowers can have many different financial backgrounds and be in different situations. Not all sub prime lending is the cause of bad credit and vice versa. Bad credit can also be the result of past hapless circumstances. Besides bad credit, home buyers likely will have a limited credit history. A limited credit history does not mean the individual has bad credit, but rather they do not have enough proof  (or “experience) in the act of repaying a loan. This gives banks a false impression that limited credit individuals are not financially capable to hold down a mortgage. People with limited credit history could be just out of college or school. They could also be people who do not carry a lot of credit cards or simply new to credit.

3.       Sub prime lending is the result of housing foreclosures and negative property values

Subprime mortgages are not the direct cause of foreclosures or loss of property nor are they the cause for negative property values. There are many other reasons for foreclosures to happen and it is not the result of using sub prime loans to secure a home.

How are Subprime mortgage Arizona are helpful to borrowers?

1.       Gives buyers a fair chance to own a home despite unfortunate circumstances

Despite past unsavory situations like loss of unemployment, sickness, or defaulting on a large loan, it will limit a buyer’s chance of obtaining a traditional home loan. Fortunately subprime mortgages exist to help out people that are able to make payments on a mortgage but may not qualify for a typical loan.

2.       Limited credit history

As mentioned earlier, limited credit history means that you don’t have enough proof or “experience” with borrowing credit. You may be on your first credit card that is still rather new or you may never have touched credit before. Either way, to a typical financial institution, you are a high-risk borrower. The only way to alleviate this situation is to wait until your credit history matures…or you can simply consider applying for a sub prime mortgage Arizona.

3.       Self-employed or other alternative income situations

Banks prefer borrowers with a guaranteed paycheck from an employer. This is reasonable to assume but it guarantees the lender that the borrower will have money coming in every few weeks. Unfortunately if you do not have a 9-5 job with an expected paycheck, it is more difficult to get approved for a loan. Individuals that are self-employed, rely on investments or other income situations need to seek alternative sources of borrowing. 

4.       No hassle with the banks

Why get frustrated with standard banking institutions, when there are other types of lending available? Instead of bank loans, other borrowers like yourself, have chosen to deal with private lenders. Private lending offices are often more flexible and sensitive to alternative financial situations when it comes to borrowing.

At Level4Funding we can help you get approved for a Subprime mortgage Arizona. Speak with one of our friendly advisors today!

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

Bad Credit Home Loans- Arizona Best Kept Secrets

            We don’t all have the perfect credit score to qualify for a loan to purchase a home. However, with bad credit loans Arizona residents can’t own the home of their dreams.

What’s part of your ten year plan? No doubt, being able to finally call a home yours in every sense is one of your top goals.  In fact, you've probably already set out in your mind how you’re going to design the master bedroom, or maybe you can envision a big screen television in your man cave. What’s holding you back? Bad credit doesn't have to deter you from making these things possible.

So what are your options? When mortgage lenders review the credit history of a borrower, they tend to look at three things on a credit line; the payment history, how much is owed and the age of the credit line. Late payments, frequently opening and closing accounts in addition to running up credit limits can have a negative impact on a the credit score. When attempting to get an home loan with bad credit you should start by looking for ways clean up your credit report. 

Tips For Cleaning Up Credit Report

Before applying for a mortgage with poor credit it’s important to do all you can to make improvement on your credit. This can be do by:

-          Removing old paid off debts from your credit report. This can be done by disputing claims with the debt buyer or Credit Bureau.

-          It’s common to find errors on your credit reports why is why you should thoroughly search all three of your credit reports for errors before applying for a bad credit  home loan, Arizona has many financial experts that can assist in this process.

-          Trying to pay off as many debts as possible. Make payment arrangements. Also, avoid accruing more debt by applying for credit cards and failing to pay current balances.

Bad Credit Home Loan Options

After cleaning up your credit report as best as you can, you should let prospective lenders know upfront that what kind of state your credit is in. This saves time by preventing the lender from searching into loans that aren't best for your current situation and they’ll be able to let you know quickly whether you will be able to secure a loan with their institution or not.

Depending upon how low your credit score is, you may be able to secure a home loan through a bank. However, you can expect to pay higher interest rates and you may even be required to put down a substantial down payment on the house you’re interested in purchasing. In addition  bad credit home loans Arizona has in place for residents include; sub prime mortgages.

A sub prime mortgage is a special type of mortgage option that is usually offered to people with low credit scores.  Since a borrower with a poor credit history is viewed as more of an higher risk than  the average, banks and other financial institutions charge higher interest at a rate that is drastically different from a conventional mortgage. 

Usually, borrowers with a credit score below 600 can qualify for a subprime mortgage.  Also, borrowers who've filed for bankruptcy within the last few years or have an history of late bill payments are eligible for this type of mortgage. How much of an interest increase can you expect to pay on a sub-prime mortgage?

There is no set general interest rate that lenders charge. However, a subprime mortgage payment is determined by important factor such as:

-          The size of the down payment on the home

-          The individual’s credit score

-          How many delinquencies are stated on the individual’s credit report

-          The type of delinquencies stated on the credit report

Bad Credit Home Loans From A Credit Union

When applying for a bad credit home loan, Arizona residents  have the option of borrowing from a local credit union. Credit unions are nonprofit, community ran financial organizations that provide credit and other financial services to members. If you have a poor credit history,securing a loan through a credit union could be the right move for you. Credit unions are known for their low interest rates and their great customer service. Most credit unions  by law can only charge up to 3 % interest rates or no more than 42% annually.

Credit unions have to protect the interests of all members, so before a loan is approved, the agent will have to make sure that you’re able to make payments on the loan by assessing your current financial state. This means that they’ll want to see how much income you are bringing in on a monthly or yearly basis and they may even want to see how much you have been able to save.

Yes, purchasing a home with bad credit is possible.  Finding the right loaning option will require in-depth research.

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 

Types of Bad Credit Mortgages in Arizona

There are a variety of circumstances that can lead to a low credit score. Learn how you can get a bad credit mortgage Arizona and qualify for a home loan, even if your credit is less than perfect.

If you have bad credit, you can still use a variety of programs to purchase a home. Once you have

decided to seek a home loan, there are several different programs and types of loans available to you. You will need to do your research and choose a loan based on your goals (both short term and long term), and unique credit and money situation.

One type of bad credit mortgage in Arizona that is available is a hard money loan. A hard money loan is secured through a mortgage broker but is backed by investors instead of a bank. This is especially beneficial for people looking to do a fix and flip or short term purchase. Depending on the merit of the property you are purchasing as well as potential for income, investors will often invest capital, even if your credit score is lower than what is ideal.  

Another type of loan that is available for people with bad credit is a type of FHA loan. An FHA loan is backed by the government and will allow you to borrow about 96.5% of the value of the home you are purchasing. This can be helpful to many buyers because coming up with 5 to 20 percent of the home’s value can effectively keep some buyers from being able to purchase a home. In addition, the government backing means that you will be more likely to qualify, even with less than stellar credit. One important note is that you will pay monthly insurance on your loan. In additional to you principle and interest payments, you will also pay a PMI insurance payment. This is basically extra money you pay to help insure against default. PMI payments can range from $80 to over $200 each month, depending on the amount of the loan.

A third type of home loan that may be available as a bad credit mortgage in Arizona is a subprime loan. A subprime loan refers to a loan given to a borrower that represents a greater financial risk due to his/her credit score. A subprime loan is funded by a bank but does not have to meet the same underwriting guidelines as a prime loan. Subprime loans allow access to groups that would normally not have access to the credit market like people with low FICO scores. Subprime loans often have higher interest rates than conventional loans to compensate for their higher credit risk. The most common type of subprime loan is an adjustable rate mortgage.

Why Bad Credit Loans Exist

There are a variety of factors that can lead to a lower credit score. Job loss, divorce, a sudden change in income, or even an old credit card you forgot about can cause your credit score to suffer. Recent statistics released from FICO Inc. show that 25% of the 170 million Americans with active credit accounts have a FICO score of less than 600. This is considered a low credit score and if you have a low score, you can have trouble getting credit cards, car loans, and even store credit accounts.

If you are one of the 42.5 million Americans with a low credit score, you probably assume that home ownership is beyond your reach. However, with new bad credit mortgage Arizona programs as well as federal programs, borrowers can qualify with low FICO scores.

As with any mortgage it is important to analyze the risks and benefits of a low credit mortgage. Once you have decided to stop letting your FICO score hold you back, it is important to know your options. Most likely you will not qualify for a bad credit mortgage through a bank, so it is important to find a reputable mortgage broker. A broker has more flexibility in terms of types of loans that can be offered so you are more likely to qualify via a broker than a bank.

Make sure to know your options for home loans with bad credit.

Find mortgage broker that specializes in bad credit mortgage Arizona will ensure that you are receiving all the options to make owning a home a reality. A mortgage broker will help you understand the ins and outs of each type of loan in more depth and help you find the best loan for your financial situation. A broker will also be able to give you the most up to date information about new state and federal programs that will help put home ownership within your reach. Government programs and incentives change almost daily so make sure that you are working with a broker who knows about any and all bad credit loan opportunities. Don’t let your FICO score stand in the way of owning a home. Reach out to a licensed mortgage broker today.

Level 4 Funding LLC

Dennis Dahlberg, Broker/RI/CEO

NMLS 1058389 AZMB 0923961

23335 N 18^th Drive Suite 120

Phoenix AZ 85027

623-582-4444

www.Level4Funding.com

I Want to Buy a Home - Bad Credit Home Loans in Arizona

You’re in love with a home you just spotted, or you want to stop paying rent and start building equity. But to put it simply, your credit rating is in the toilet. How do you go about getting approved?

Meet Anne. A single mom with two kids that wants to buy a modest home in the suburbs. However

do to her unfortunate past, she is unable to secure a home loan from the bank. Why is this?

In order to qualify and secure a home loan from a bank, a bank must look at your credit rating to see if you are a prime borrower candidate. Due to Anne’s past of a defaulted loan from a failed business venture, her credit is less than satisfactory.

Besides business failures, other black marks resulting in bad credit can also come from events such as divorce, injury, job loss, or other untimely circumstance. Any of these issues are possible in creating financial problems that prevent you from buying a home.

There are no bank-approved options for bad credit home loans in Arizona. Even if you have a significant amount of cash reserved for a down payment, banks are hard pressed to offer home loans to a borrower with poor credit. However contrary to common belief, you don’t have to go to a bank in order to retrieve a loan for the home you want.

So what options are available besides borrowing from the bank? Is there such thing as applying for bad credit home loans in Arizona?

If you have bad credit then obtaining a loan through a private or specialist lender is an excellent option. Unlike banks, private lenders are more flexible when it comes to poor credit history. These lenders have options available when it comes to obtaining bad credit home loans in Arizona. Private lenders offer bad credit loans (also known as sub prime loans). Bad credit loans can get you in the house you want immediately.

I am interested in getting approved for a bad credit home loan. What are the requirements for obtaining this kind of loan?

Despite having a low credit score, you can apply for an approved home loan. Though in order to get approved for this type of loan, you must have a higher down payment readily available. The down payment amount will usually more be than the standard 20% of the listing price. In addition, these types of home loans for people with poor credit will often also have higher rates.

Anne and her family are interested in purchasing a house right away. She doesn't want to wait to buy a home but has enough substantial cash for a sizeable down payment. She also has a secure job and is confident she can pay off her mortgage responsibly. Applying for a bad credit loan or sub prime loan will work for her.

Similarly, if you are someone that has money for a large down payment but shoddy credit, securing a bad credit home loan is a desirable option.

Sounds like a bad credit home loan is for me. How do I apply?

The only way to know for certain if you qualify for a loan with bad credit is to talk to an actual lender. Level 4 Funding has a lot of options when it comes to obtaining home loans with bad credit. Let the professionals at Level 4 Funding aid you in securing a your home loan.

Call today at 623-582-4444 to schedule an appointment with Dennis. We will go over your individual financial circumstances and offer you’re the best advice in qualifying for a loan.

Level 4 Funding LLC

23335 N 18^th Drive Suite 120

Phoenix AZ 85027

623-582-4444

www.Level4Funding.com