😁Fall-themed fun! Easy DIY leaf crafts for preschoolers and toddlers. 😉

 😀 Make these beautiful DIY projects 😀

Fall-themed fun! Easy DIY leaf crafts for preschoolers and toddlers   The fall season is a great time to get your preschooler or toddler excited for school by creating fun Fall-themed crafts! In this video, we'll show you how to make easy DIY leaf crafts that your child will love! From leaf-blow candles to pumpkin tape crafts, your little one will have fun crafting these simple Fall projects!   Gorgeous fall leaf crafts & easy DIY decor ideas such as a colorful garland, kids' art prints, Thanksgiving table centerpieces, etc.!   Start the fall with these DIY fun leaf crafts, perfect for preschoolers, toddlers, and adults. Easily DIY garland, leaf craft.   Quick Link https://youtu.be/xEXFv80d4s8 - Thank you for joining Lucy and me today. Hope to see you next time. Contact Information Joan@CraftingWithJoan.com www.CraftingWithJoan.Com YouTube Home Page: https://www.youtube.com/channel/UC4qZqe4AOindr0xA88XbgtQ Facebook: https://www.facebook.com/craftingwithjoan Instagram: https://www.instagram.com/craftingwithjoan/ Pinterest: https://www.pinterest.com/craftingwithjoan/ Blog: https://craftingwithjoan.blogspot.com/ Copyright © 2023 Crafting with Joan All rights reserved. Want to change how you receive these emails? You can update your preferences or unsubscribe from this list.

 😀 Make these beautiful DIY projects 😀

DIY Fall Décor Flower Glass bowls, flower compotes, and fishbowls for modern and classic floral designs and DIY centerpiece ideas.   Create a DIY  centerpiece ideas from several crystal bowls of different sizes filled with stones, candies, glass gems, acrylic diamonds, or sea glass. Objects of a single color or in the same color family are lovely when used this way.   Are you in the market for fall centerpiece ideas but don't know where to start? Look no further! In this video, we'll show you how to DIY floral glass bowls for centerpiece ideas that are perfect for modern and classic floral designs. These bowls are perfect for setting the stage for any fall event. Whether you are looking for something modern and on-trend or classic and traditional, these bowls are perfect! We'll also show you some easy and stylish DIY centerpiece ideas that you can use with these bowls. So please mark the date in your calendar and join us as we go DIY Fall Décor!     Quick Link https://youtu.be/9VlhDL6IFVw - Thank you for joining Lucy and me today. Hope to see you next time. Contact Information Joan@CraftingWithJoan.com www.CraftingWithJoan.Com YouTube Home Page: https://www.youtube.com/channel/UC4qZqe4AOindr0xA88XbgtQ Facebook: https://www.facebook.com/craftingwithjoan Instagram: https://www.instagram.com/craftingwithjoan/ Pinterest: https://www.pinterest.com/craftingwithjoan/ Blog: https://craftingwithjoan.blogspot.com/ Copyright © 2023 Crafting with Joan All rights reserved. Want to change how you receive these emails? You can update your preferences or unsubscribe from this list.

Are You Considered Using A Hard Money Lender?   By Dennis Dahlberg Broker/RI 623-582-4444 M NMLS 1018071 AZMB 0923961 August 29, 2023    One of the most common hurdles for new investors is finding money to fund their deals. While this can be a struggle, finding the capital you seek is more accessible than ever. Between lines of credit, private lenders, retirement funds, credit cards, and traditional bank loans, numerous options are available to those who know where to look. The key is to find a funding source that works for you. Often, that source will be a hard money lender. The hard money lender in Phoenix has gotten a bad rap over the years but has proven a reliable way to fund deals. If you don't have a hard money lender in Arizona outlet or have yet to use one, now may be the time to find as much information on them as possible. A hard money lender is an individual or group who lends money on their terms. They put stock in the property and the actual financials of the borrower more than anything else. With traditional lender financing, if your credit score falls below a certain threshold, you may have trouble getting approved regardless of other factors. However, Phoenix hard money lenders have their own set of criteria. For this flexibility, there are more fees and higher interest rates. Some investors will balk at those opting for lower rates that banks offer. This can work on specific properties and deals, but you need to act quickly on those that are time-sensitive, and that's precisely what hard money allows you to do. Here are just a few of the benefits of using a hard money lender: Speed: In today's real estate landscape, how quickly you can close is often more important than the amount you offer. Too many lenders have been burned in the past waiting for deals to close that never do. Even if they do close, the average length of a financed transaction approaches 45 days. Most sellers would instead take a slight discount, assuming they can close in a week rather than risk closing in 45 days. This speed allows you to make offers with five or seven-day closings. On borderline deals, you can bet that your offer will be the one that is accepted. Volume: Instead of waiting 45 days to start working on the property, you can reduce the time to just a few weeks. Shaving a few weeks off every rehab project, you start allows you to close more deals over a year. Adding just one or two deals to your portfolio will increase your bottom line exponentially. Often, you may be able to close two or three times the volume you closed the previous year. When the number of deals you complete starts to creep upward, so will the number of contacts you make. The people you meet are just as important as the deals themselves, if not more so. Remember, real estate is a people business. The more deals you do, the more contacts you can make. In turn, those contacts may even lead to more deals. Quality: Having capital to close is only part of the benefits that coincide with Arizona hard money. With hard money in your corner, you could do whatever needs to be done for the property. Instead of cutting corners to save money, you can do the work you know needs to be done. This will help you maximize your bottom line and improve your reputation in the industry. Realtors and fellow investors who see your finished products may want to work with you. Quality will also help get your property sold to end buyers much faster. Instead of hoping that an offer comes in, you will have your choice of deals. More significant Projects: Increased capital allows you to build up to more significant projects slowly. Instead of looking solely at single-family properties, you can start to look at multifamily and commercial deals. Furthermore, closing more deals will increase your capital and give you a larger share of bigger deals. There is nothing wrong with sticking to condos and single-family properties, but having hard money behind you allows you to explore other options that come your way. Aligning yourself with a hard money lender doesn't mean you have to use them on every deal. A property you want to buy and hold may be better served with a long-term interest rate of around four percent. However, most rehab projects need the efficiency that hard money brings. The goal should be to save some capital from every deal until you have enough saved to fund them yourself. Until you reach that point, you may have to make a little less per deal to increase your bottom line. The biggest knocks on hard money are the high fees and points. These accrue from the time of settlement until you can sell the property. In some cases, it can span several months. However, it is a small price to pay for what you get. The annual interest over just a few months is a relatively minor factor compared to all the other expenses you incur. Additionally, you only pay these on deals you close. If you can't close, you can't earn; hard money helps you close more deals. It is not for everyone in every deal, but it should be a part of your financing options.   Matt Prosory RI/MLO/BrokerNCO Enterprises LLC Dba Setabay Private Hard Money 26731 N 90th Drive Peoria AZ 85383 Telephone: 623-582-4444 NMLS 2062278 NMLS 1118493 Equal Housing Opportunity. This is not a Good Faith Estimate nor a Guarantee to lend and should not be considered as such. Costs, rates, estimates, and terms can only be determined after completing an application. Actual payments will vary based on your situation and current rates. APR for loans ranges from 7.99 - 29.5% and is based on Credit Score, Down Payment, LTV, and Income. Mortgage rates could change daily. For more accurate and personalized results, please call 623 582 4444 to talk to a licensed mortgage expert. Terms and conditions of all loan programs are subject to change without notice. NCO Enterprises LLC Dba Setabay Private Hard Money 26731 N 90th Drive Peoria AZ 85383 Telephone: 623-582-4444 NMLS 2062278 NMLS 1118493 This email is for the exclusive use of the intended recipients and may contain privileged and confidential information. If you are not an intended recipient, please notify the sender, delete the email from your computer, and do not copy or disclose it to anyone else. Your receipt of this message is not intended to waive any applicable privilege. Neither this email nor any attachments establish a client relationship, constitute an electronic signature, or provide consent to contract electronically unless expressed by Matt Prosory RI/CEO, in this email or an attachment. To the extent this message includes any tax or legal advice. This message is not intended or written by the sender to be used, and cannot be used, for legal or tax purposes or advice. This email is an advertisement.

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Hard Money Loans for Owner Occupied Borrowers

Owner-occupied hard money loans are considered principal residence Loans, alternative financing, and private money loans. 

Reasons Why Borrowers Use Owner-Occupied Hard Money Loans 

• Bad Credit 
• Hard to prove income 
• Self Employed 
• or dealing with a problem property  
  
  Typical borrowers refinance this loan after qualifying for a conventional or FHA loan. 
  
  Common Uses of Occupied Loans 

• Buying a first or second home. 
• Refinance an existing loan. 
• Cash out for repairs or remodeling. 
• Cash out for debt consolidation.  

Owner Occupied Hard Money Loan Program Options  

100% financing is available if the borrower has another free and clear property, or has a small mortgage with value (substantial equity) to pledge as additional collateral ( aka Cross Collateralized Loan).  

Arizona Hard Money Lender is making real estate loans to both Investors and owner-occupants in Arizona. 

Typical Arizona private hard money programs for owner-occupants are below. 

NO PRE-PAYMENT PENALTY 

Typically, there are no pre-payment penalties on our loans. 

  

PURCHASE 

Down payment: 30% - 40%. 

Up to 60% or 70% of the appraised value 

Up to 100% financing with a 2nd free and clear property as additional collateral. 

  

REFINANCE 

Up to 65% of the appraised value 

Up to 100% financing with a 2nd free and clear property as additional collateral  

ORIGINATION FEE 

            A loan Origination fee of 2 to 6 points (2 to 6% of the Loan Amount).  

Requirements For Owner-Occupied Hard Money Loans 

Income must be able to be verified by a 3rd party source. 

If the owner-occupied loan is considered a "high-cost loan," hazard insurance and property taxes must be impounded for the 1st year of the loan. This is the borrower's responsibility. 

Disclosure laws require us to inform you of the loan terms before signing any loan documents. These are the exact requirements of a traditional bank loan. 

Apply for an Owner Occupied Hard Money Loan 

If you want to see if you qualify for an owner-occupied hard money loan in Arizona, call us today at 602-497-4444 or fill out our loan application to get started. Getting your owner-occupied hard money loan is simple and fast; we do the funding!  So, if we say you're approved, you'd better start packing to move into your new home! 

The owner-occupied Arizona hard money loans program makes it easy for you to get the new home you need despite not having credit, having bad credit, or even if you're not from the United States.   

Owner-occupied home loans using private hard money have easier requirements than investor loans and can benefit from our cross-collateral 100% LTV loan option. 

Dennis 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