Terms and Conditions

[vc_row][vc_column width=”2/3″][vc_column_text]Lending

Equal Housing Opportunity.

APR for loans vary from 3.99 – 29.9% and is based on:

  1. Property location,
  2. Loan to Value (LTV),
  3. Credit Score (FICO),
  4. Ability to repay,
  5. Your capabilities/experience and
  6. Site Inspection.

This is not a guarantee.  

Costs, rates and terms can only be determined after completion of a full application.

This is not a Good Faith Estimate (GFE).

Normally, borrowers who apply for the loans, their rate ranges from 3.5% to 13.9%. For a second position loan the rates vary from 18.9%  – 29.5%.


There is no guarantee that the lender will extend the term of the loan.

Loans may have a prepayment penalty or a minimum time commitment, talk to our licensed mortgage experts for more details.

We look at credit score to determine loan possibilities.  Poor credit will result in higher interest rates and a higher down payment.

Borrowers with outstanding judgments, tax liens or pending litigation would have to be settled before close of escrow to qualify for any of our loan programs.

Any third party costs/fees or services you pay directly are your responsibility.  If the loan is denied for any reasons, Setabay LLC is not responsible for refunding any of the costs/fees or services pay directly by you.




Any e-mail is for the exclusive use of the intended recipient(s), and may contain privileged and confidential information. If you are not an intended recipient of any e-mail, please notify the sender, delete the e-mail from your computer and do not copy or disclose it to anyone else. Your receipt of e-mail message is not intended to waive any applicable privilege.

Neither any website documentation, e-mail nor any attachment(s) establish a client relationship, constitute an electronic signature or provide consent to contract electronically, unless expressly so stated by Mark Gowlovech, Setabay LLC.

Setabay LLC, Brokers, Agents and employees are not: attorneys, real estate appraisers, financial planners, securities dealers or accountants and we do not give advice as to these professions.

To the extent any e-email or this website 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 matters.

Any third party costs/fees or services you pay directly are your responsibility.  If the loan is denied for any reasons, Setabay LLC is not responsible for refunding any of the costs/fees or services pay directly by you.

E-Mail Communications
We may email you to communicate with you about your loan. You may also receive occasional e-mail communications regarding our site, special offers, service or products If you do not wish to receive promotional e-mails you may e-email or write to us instructing us to take you off our list our you can unsubscribe from the mail by using the unsubscribe link located at the bottom of all e-mails.

On-Line Submission Requests
By submitting your contact information you agree to our privacy policy. You also expressly consent to having us, or affiliates, contact you about your inquiry by text message, phone (including automated telephone dialing system or and artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national do not call registry. You do not have to agree to receive such calls or messages as conditions of getting any services from Setabay LLC or its affiliates.

Personal Information
When visiting our site you can view or web pages without telling us who you are or transferring any personal information. We may track the IP Address, added tracking code and tracking pixes to analyze trends and usage and further re-marketing.

Protection of your personal information
The personal information that you proved in connecting with purchasing a product from Setabay LLC is classified information. Your information is portended in several ways. Your credit card information is not stored on any server. When your information is transmitted to our server from this site, Setabay LLC encrypts your personal information and thereby prevents unauthorized parties from viewing such information when it is transmitted.


Contact Information

Setabay LLC an Arizona Limited Liability Company
22601 N 19th Ave Suite 112
Phoenix AZ 85027, 623-582-4444
www.Level4Funding.com   Dennis@Level4Funding.Com
Mark Gowlovech Broker/RI     NMLS 1575944 AZ MB-0941439[/vc_column_text][/vc_column][vc_column width=”1/3″][vc_single_image image=”9596″ img_size=”full”][/vc_column][/vc_row]