Tag Archives: Arizona mortgage broker

Arizona Commercial Loans and Commercial Property types: Tips for individual investors

825082878If you’re not a real-estate conglomerate, you may be wary of taking on Arizona commercial loans to invest in commercial real estate. Learn about the general commercial property types, the amount of financing you should aim to secure and general strategies to maximize the returns from your Arizona Investment Property.

Commercial real-estate can be a confusing business, and if you are beginning to invest in real estate, you might consider avoiding commercial property altogether. While investing in commercial property is a bit more complicated than investing in residential property, there are some basic property types, prices ranges and general strategies that every commercial real estate investor should know.

Broadly speaking, there are three types of commercial real-estate you might consider purchasing. The first is multi-family housing (i.e., apartments), which is any form of accommodation with 5 or more units. The second class of properties are shopping centers, vacant storefronts or empty units in strip malls. The third class of properties are offices, and this property type is pretty self-explanatory There are of course other types of commercial real estate, but these are three classes an individual investor should consider.

When it comes to Arizona commercial loans is there a specific amount of financing for each type of property?

There is no specific amount of loan for each property type, but as an individual investor, you should start small.

When it comes to multi-family investments, look for properties that are in the 500 k to 5 million dollar range. When it comes to both offices and shopping centers,  your best bet at first is to start small and then scale up as you gain income and experience.

Shopping centers are capital intensive. Until you secure the right mix of tenants, your investment will not generate a whole lot of consistent income, so you don’t want to take out a massive loan at first. This same principle holds true for offices as well. Until you have a few long-term leases, you won’t likely see a steady stream of income from your investment, so start with a small loan.

Buying a large, expensive group of apartments, a massive storefront or a class A office building could mean you’ll be saddled with a loan you can’t afford. However, as you gain income and experience, you can then scale up and begin investing in larger commercial properties.

So start with a small loan and then scale up your investment efforts.

When it comes to Arizona commercial loans what is the best way to make money and generate a return from your investment?

Its simple, you want to build equity.  An overarching theme when it comes to all types of commercial property is to increase profitability. By increasing the profitability of commercial property, its overall value increases, allowing you to build equity.

You can increase the profitability of commercial property by making improvements, increasing rents or cutting down on expenses wherever possible. This general strategy holds true for all three commercial property types. After you have built up enough equity in your investment, you can simply hold onto it, or you can pay off your loan either by refinancing or by reselling your property at a profit.

So commercial real-estate investment doesn’t have to be complicated. As individual investor you need to the consider the type of property, you need start small until you have a steady return from your investment and you need to increase the profitability of your Arizona Investment Property in order to build equity.



 Happy senior business man making his notes at workDennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
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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Tactics for refinancing your commercial loan

When it comes to refinancing commercial loans, you naturally want to qualify for the largest loan with the best terms. Learn some strategies to help you refinance your commercial mortgage

Once your commercial mortgage matures, why should you refinance, rather than selling the property? Refinancing can improve your monthly cash flow and if your property has appreciated in value, refinancing will enable you to pull out additional equity tax-free.

There are some significant differences when comes to refinancing commercial real estate. A Residential mortgage is usually fully amortized and can have terms of up to 30 years. Commercial mortgages have shorter lifespans of 5 to 10 years, and commercial borrowers typically need to refinance their mortgages on a regular basis. But The biggest difference between commercial and residential refinancing is the impact of net operating income on commercial property values.

Improve the income you receive from commercial property to improve the terms of your commercial loan

Net operating income has a considerable impact on commercial real estate values.

The value of commercial property increases if it can generate more income, regardless of property values in the immediate area.

Before refinancing the best strategy is to increase the amount of income your property generates. By maximizing the profit you receive from a property, you increase its value and can refinance to a larger mortgage with better terms. Some strategies to maximize cash flow could include improving the number or quality of your tenants or using renovations to raise rents.

Other things to consider when it comes refinancing you commercial loan

Always seek counsel about your strategy and your specific situation, but the following tactics should help you get the best loan at the best terms.

Use refinancing as a way to reposition your investment strategy or even expand your portfolio. The additional funds you get from refinancing can be used to repay your initial loan, any initial investors, or could be used to improve the property itself. Better yet you can use the additional funds from refinancing to purchase another piece of commercial property. Therefore refinancing can be used as a strategy to expand your investment portfolio and earn more money on a monthly basis.

Refinancing in all cases should improve your monthly cash flow. Refinancing to a loan with higher monthly payments and less favorable terms is of course not a good idea. Refinancing should entail lower monthly payments or should allow you to cash out any additional equity from your investment property.

Strategize to qualify for the best loan with the best terms. Know when your current loan matures and invest in the property accordingly. Over the duration of your loan ensure the condition of your property does not deteriorate. Better yet take consistent steps to improve your property over the term of your mortgage.

You should also aim for full occupancy before refinancing. Most lenders will offer favorable terms on properties with 90 percent occupancy over a period of 90 days. Losing tenants will drastically reduce the income from the property and therefore reduce its value.

In the end, the crux of refinancing a commercial loan is to optimize the profits a property can generate which will enable you to refinance at the best terms.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
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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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Why Hard Money Lenders Only Fund 75% of a Property’s Value

Understanding why hard money lenders will only finance 75% of a property’s value will allow you to be better prepared for requesting a loan. It will also help you to understand what other factors can make your request more desirable to lenders.

Loan to value ratio is the most critical factor to all hard money lenders when they are evaluating a loan request. In general, the loan amount cannot exceed 75% of the current market value of the property. This is because the property is being used as the collateral for the loan, which is not unusual. Home mortgages are secured by the home being purchased as well. But in the case of commercial properties there is more information that must be taken into consideration.

Unlike home values which are fairly static, commercial property values are much more volatile. There are several events which can impact a commercial property’s value which are not considered to be factors in residential property values. The economy has a much greater impact on commercial properties the residential. A downturn in the economy or a single industry does not extend to every consumer who owns a home, but it does have an impact on every business. And as competitive as industry is in the country, a slight downturn in the economy is certain to cause some businesses to fail.

Likewise, a downturn in a certain industry would not cause all of the homeowners in a neighborhood to sell their homes or abandon them. But it could result in many businesses closing in a single area which would quickly drop the value of commercial properties in the area. All of these factors must be considered when a commercial property is being used as collateral.

The Hard Money Lenders Thought Process

Knowing that the value of commercial properties can fluctuate a great deal and can change very rapidly, the lenders want to be certain to always have a way to recover their investment. This means never having the current balance of the loan near the current market value of a property. Over the years, the 25% margin has become an acceptable industry standard among hard money lenders.

How to Use This Knowledge

Knowing that the market value of a property is critical to getting hard money approved, there are ways that you can build additional confidence with a lender. Selecting a property in an area that is thriving is always smart. Also, selecting a property which is not dependent on a single industry is helpful. Knowing that any business could use the property provides more options to rent or sell the property at a better price in the future. In addition, location can have a huge impact on the perceived value of the property and therefore its actual value. Being easily accessible is important for any business who relies on consumers visiting their location. So a property near an expressway or major street is more desirable than a location in a rural area or one that is difficult to drive to. Consider all of these factors and try to select a property which will hold its value well. This will make your loan request much more appealing to a lender.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

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

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Don't Let Your Lender Play Games, Get a Arizona Hard Money Loan Today!

 

arizona hard money
Arizona Hard Money
It’s true, Arizona hard money loans made by private lenders or fairness companies are literally very easy to acquire and your credit score rating isn’t even checked so as to do it. Now not do you’ll want to stress about what your quantity is. There are not any quantity video games right here! No financial institution loan required, simply an Arizona hard money loan is required so you can begin flipping your own home.
There’s no have to get upset; you aren’t the one one that hasn’t had a nice credit score rating in a whereas. Nevertheless, don’t let that deter you from flipping that home you’ve all the time needed to flip. Even when your FICO rating isn’t one of the best, there actually isn’t a purpose that you need to miss out on attempting to renovate a home. We’re right here to inform you that a Arizona hard money loan is the best way to go so as to start that renovation you’ve all the time needed. It truly is that easy.
While you determine to go along with a Arizona hard money loan, know that you’re getting a tremendous quick loan for one of the best deal and all with out having to fork over numerous financial institution paperwork and with out having to have one of the best credit score on this planet. If you’re within the repair and flip market, that is a big benefit as a result of it means which you could begin your undertaking sooner and with much less of a headache.   
In case you’re in search of one of the simplest ways to finance your property renovation, then look no additional. Your Arizona hard money loan is a nice and straightforward option to get the financing you’ll want to lastly start the renovation undertaking you’ve gotten been dreaming about for you and your loved ones. Name our certified brokers at Degree four Funding at the moment to get your Arizona hard money loan software began. The earlier you name, the earlier you should buy that property and begin making money!

 

Dennis Dahlberg

Dealer/RI/CEO/MLO

Degree four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

dennis@level4funding.com

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027

 
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Don't Be Afraid of a Arizona Hard Money Loan!

hard money loan arizona
Hard Money Mortgage Arizona
If you’re seeking to rebuild your private home, renovate your private home, or flip your home, then you’ve gotten come to the fitting place. It’s time to think about a  Arizona hard money loan to get the funds for the undertaking you thought you’d by no means get to do as a result of of the financial system and, in the end, your credit score rating.
Your credit score rating doesn’t need to dictate what you do along with your life. Why an Arizona hard money loan, credit score isn’t even a problem- it’s not even one thing that’s thought-about.
Which may appear unusual however Arizona hard money lenders base your Arizona hard money loan completely on the worth of the property you’ve gotten and wish to flip. It’s not primarily based off of the credit score chances are you’ll or might not at present have. The paper work is subsequent to nothing and actually, when you consider it, what this implies is that a Arizona hard money loan is nearly the most straightforward loan you will get and the best. And everyone like easy and simple in the case of loans.
Nevertheless, do not forget that that is a loan and Arizona hard money loans are costlier than your conventional loan. That being stated, these form of loans are definitely extra handy and far faster to shut than a conventional financial institution loan that retains you ready round to see in the event you ever qualify, a lot much less ever see the money. That’s not the way in which it’s with a Arizona hard money loan.  With private money lenders Arizona, nearly as shortly as you’ll be able to qualify and get your paperwork carried out, you can begin working in your dream immediately. That’s far much less time than it could take for a conventional loan, you should have all of the money you want from a hard money lender Arizona.

 

Dennis Dahlberg

Dealer/RI/CEO/MLO

Stage four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

dennis@level4funding.com

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027

 
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Arizona Bad Credit Mortgage Lenders: Risk Less with a Qualified Lender

You probably have bad credit report and need to buy a dwelling, you
will end up in search of Arizona bad credit home mortgage lenders and banks focusing on bad credit report loans.
There are a variety of sorts of lenders in addition to loans that may assist
people and households discover the fitting dwelling loan. With each loan product
there’s some danger however discovering the fitting lender might help decrease funding
dangers.
You probably have bad credit report and need to purchase a dwelling, you might
suppose it’s an unimaginable aim. Bad credit score could make you are feeling remoted and
alone. A FICO rating of lower than 620 provides you a label of a “sub-prime”
borrower with rotten credit score. Banks and credit score corporations might label you as
“irresponsible” or “too dangerous” of an funding. Though this will likely make you
really feel alone, relaxation assured that there are lots of People in the identical place as
you. The typical credit score rating in the US is 640, that means that the majority
debtors have lower than excellent credit score. As well as, almost one quarter of all
credit score utilizing People are categorized as sub-prime debtors. You probably have dangerous
credit score, it’s potential to safe a dwelling loan, you simply have to seek out the fitting
lender.
With many People falling into the “truthful” or “poor”
credit score classifications, there are lots of Arizona bad credit home mortgage lenders that may assist sub-prime debtors safe a dwelling
loan to buy a residence or funding property. If you’re trying to find a
bad credit report dwelling loan, you will need to know all your choices so far as
lender varieties and establishments. You probably have bad credit report, you might find yourself paying
greater rates of interest and will find yourself with a extra dangerous loan sort. It’s
vital to seek out a lender you trust to assist decrease the chance related with
many bad credit report loans.

Varieties of Arizona Home Loan Lenders to Assist Make You
Residence possession Goals Come True

The commonest sort of lender is a conventional financial institution. A
financial institution provides mortgages loans and makes use of its personal standards alongside with federal
pointers to find out if a borrower has the FICO rating and debt to revenue
ratio essential to qualify for a dwelling loan. The financial institution makes use of market circumstances to
set rates of interest and solely affords their very own rates of interest and loans. Though
a financial institution does have some choices for bad credit report debtors, it’s often the
entity that turns down sub-prime debtors. It isn’t splendid so far as Arizona bad credit report mortgage lenders go
as a result of it has strict pointers relating to credit score scores in addition to revenue
.

One other frequent sort of lender is a Arizona Mortgage Broker. A
mortgage dealer is a person or agency who operates beneath a state license to
assist people qualify for dwelling mortgages. Like a financial institution, you will get a number of
loan varieties however, a mortgage dealer will not be locked into one rate of interest or one
lender. The dealer or dealer firm will mainly store loans for the borrower
to seek out the very best rate of interest and loan phrases based mostly on present market
circumstances. As well as, a mortgage dealer can discover loans that banks is probably not
capable of give as a result of the borrower or loan sort is just too “dangerous” for a conventional
lending establishment. This makes a mortgage dealer a better option for debtors
with bad credit report.

A much less frequent sort of lender is a private funding agency.
These private funding corporations are run by a licensed dealer who’s updated
on mortgage and actual property legal guidelines, applications, and phrases. The loans are funded by
private traders reasonably than a financial institution. As a group of private traders, these
sorts of lenders are extra possible to take a look at the benefit of the property as effectively
because the potential to make money as in comparison with completely the credit score rating of
the borrower. This makes them a good possibility for Arizona bad credit report mortgage lenders. One instance of a private
mortgage investor is a firm like Degree four Funding which is run by a licensed
monetary skilled. This is a crucial attribute to search for to make
positive that you’re working with a reputable agency that may assist decrease your
monetary danger. If you wish to look into private mortgage traders, a mortgage
dealer might help you discover a good firm, however almost certainly you’ll have to ask
for it. As well as, you possibly can ask an funding banker or realtor to level you
in the fitting course.

Arizona Bad Credit Residence Mortgage Lenders Are the Actual Deal

 

The financial institution will not be the one place to get a dwelling loan. Should you
have been turned away by a financial institution because of bad credit report, there are different choices. Make
positive to do your homework and completely examine credentials however as soon as you discover a
lender you possibly can trust, they might help you discover many various choices to steer you
to homeownership.

Dennis Dahlberg

Dealer/RI/CEO/MLO

Degree four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027


 
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Bank vs. Arizona Mortgage Broker: What are the Benefits of a Broker?

Arizona Mortgage Broker
Belief Deed Investing, Arizona Mortgage Dealer
Should you’re not what they might name “actual property savvy,” you in all probability don’t even know the distinction between differing types of residence loans and the folks and establishments that provide them. To not fear. You’re beginning at a good place. Right here are a few variations between Arizona mortgage brokers and banks and the providers they will supply to you in your time of want.
1. Arizona Mortgage Brokers know the ins and outs of the residence market. Banks know the best way to do loans. Each of these will be advantageous, however finally, you need somebody who is aware of about a broader scope than simply the monetary half of issues. Your dealer can let you know about resale worth, neighborhoods, and so forth.
2. Your Arizona Mortgage broker will store round and examine charges. Your financial institution won’t. Your financial institution goes to offer you the charge they provide—which is smart…why would they store round for you? Brokers do a lot of evaluating and contrasting to carry you the finest offers.
three. Typically brokers require further charges. Typically the lender pays these charges, however generally the borrower has to. Be careful for this. The financial institution received’t usually cost you another charges for his or her providers (that’s all wrapped into the loan), however generally brokers will.

How Do I Know Which Arizona Mortgage Dealer is Finest For Me?

Arizona Home Loan
Arizona Mortgage Dealer Residence Mortgage
Merely put, do your analysis. Actually, you possibly can’t simply stroll into this blindly…it’s essential discover the proper Arizona mortgage dealer that can assist you in your particular and distinctive state of affairs. You could have a completely different information base, monetary circumstance, and need for the residence you are trying to purchase. You could discover a dealer who’s on the similar web page as you.

Weigh the professionals and cons of getting a Arizona mortgage dealer as a substitute of going on to a financial institution in your residence loan.

Brokers aren’t proper for each state of affairs, and neither are banks. Discover a dealer you possibly can relate to, that takes an curiosity in your state of affairs, and most significantly, is skilled sufficient to know the market and get you the very best worth and deal on your property. What are you ready for? Discover the Arizona mortgage broker who’s best for you as we speak! 

Dennis Dahlberg

Dealer/RI/CEO/MLO

Stage four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027


 
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The Information You Need About Private Lenders: Arizona Edition

hard money loan arizona

In case you ever thought of getting a Arizona Laborious Cash loan, now’s the time to actually dig in and get one so you may flip the property you’ve been excited about for some time. You could also be a bit hesitant, however allow us to guarantee you that private money lenders Arizona is the best way to go on the subject of renovating your property.
Start researching and snag a private money lenders Arizona loan, first by speaking to escrow firms. These escrow firms know the place the money is. These firms shut offers on a regular basis and the money has to return from someplace, so begin to domesticate relationships with the escrow firms of your alternative. You can often get them to inform you which private money lenders Arizona they use and trust.
Then, you need to begin to analysis the closed offers your self. Private money lenders Arizona can have their title recorded on the trust deed. Moreover, you too can name the purchase and ask who they used as a private money lender Arizona.
Whereas discovering a private money lender Arizona isn’t the best factor on this planet, it may be performed and you may be so joyful.
Keep in mind that with Arizona hard money loans you don’t have to fret as a result of hard money lenders Arizona base your hard money loan solely on the worth of the property you might have. Which means it’s not based mostly off of the credit score chances are you’ll or might not have. We all know issues have been tough. Getting a loan shouldn’t be so scary.
Nonetheless, a phrase of warning: Earlier than you even start to consider getting a hard money loan, be practical about how lengthy you suppose your mission will take. Give your self sufficient time to repay this loan! And don’t be afraid to ask for an extension in your Arizona hard money loan for those who want it. Most of the time, folks need to work with you to make sure that issues receives a commission in a well timed method.

Dennis Dahlberg

Dealer/RI/CEO/MLO

Degree four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027


 
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You Need a Arizona Mortgage Broker!

If you happen to want a hard money loan however you don’t know the place to even begin you’ve got come to the proper place. Many individuals are afraid of hard money loans- they do sound scary!- however we guarantee you that they aren’t. The truth is, hard money loans are simpler to get than some other type of loan together with the standard delicate loan you get from a financial institution.

Mortgage Broker Arizona

Financial institution loans may be troublesome. There may be a lot of process concerned from paper work to creating positive you’ve got all of your affairs so as. It may be time consuming and even then chances are you’ll not get the money you want after months of ready and that may be extremely demanding. That’s the place your Arizona mortgage broker is available in as a result of they’ve some issues to say to you about hard money loans.
In contrast to your financial institution loan which will by no means come, your hard money loan is quick and it doesn’t discriminate towards credit score scores. Your credit score rating just isn’t considered in terms of your hard money loan as a result of the lender is rather more fascinated by getting their money again, not what your credit score appears to be like like.
Don’t be afraid to attempt one thing completely different. This can be a great factor so that you can discuss to your Arizona mortgage broker about as a result of it is going to be extremely useful. You will have the ability to tackle what you thought you by no means might as a result of you’ll have the money you by no means thought you might get. A hard money loan could possibly be the reply you’ve been wanting (and possibly needing) for fairly a while. You don’t should get hung up in your conventional financial institution loan when you will get your self a hard money loan from a private lender. Look into this different to a delicate money loan as we speak. 

Contact a Arizona mortgage dealer and get your loan software began as we speak!


Dennis Dahlberg

Dealer/RI/CEO/MLO

Stage four Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:     (512) 516-1177 

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112

Phoenix AZ 85027


 
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 Linked In