You’ve heard about them—but what exactly is the 411 on Arizona hard money lenders? What is the difference between hard money lenders and bank lenders? What is the purpose of Arizona HARD MONEY LENDING? And, when would a borrower use a hard money lender?

Arizona Hard money lenders are investors who make loans that are secured by real estate. Typically, the interest rates are higher than conventional bank loans—however, hard money lenders will approve loans that most banks won’t. Their process is simpler and requires less paperwork than banks. The best part—funding generally happens within two weeks.

There are many differences between Arizona hard money lenders and bank lenders. The main difference is hard money lenders fund more quickly—with less requirements than banks. Hard money lenders are asset-based lenders—meaning their focus is on collateral, unlike banks that require excellent credit, consistent monthly income and assets.

If a borrower defaults on the loan the hard money lenders will foreclose on the borrower’s property in place of repayment of the loan.


All types of borrowers use Arizona Hard Money Loans. Even developers with strong credit, who would normally gain approval from a bank, choose Arizona Hard Money Loans over conventional loans. There are many situations where it makes more sense to use a hard money lender.

* An investor needs a quick closing and banks cannot fund quick enough.

* When an investor has an investment opportunity but does not have what is required to get bank approval.

* When a borrower only needs the loan for a short period of time and does not want to be penalized for early payment

* When a borrower is approved by a bank loan or line of credit—but needs more than what they are approved for.

Basically, if an investor finds opportunity and needs funding quickly or the investor cannot get bank approval, a hard money loan can help them generate a handsome profit or savings.

Arizona Hard Money Loans are also called private money loans, short-term loans, Arizona FIX AND FLIP LOANs, asset-based loans and bridge loans.

Advantages of Arizona Hard Money Loans are the reliability, quick funding, structure and flexible underwriting.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg


Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

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 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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