Terms and Conditions


Equal Housing Opportunity.

APR for loans vary from 5.99 – 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 the completion of a full application.

This is not a Good Faith Estimate (GFE).

Normally, for borrowers who apply for the loans, their rate ranges from 9.5% 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.

You are not required to pay any upfront fees.  However, some programs may require you to pay for an appraisal or BPO.  Appraisals/BPO are handled by a non-affiliated 3rd party and all fees and costs are collected by the 3rd party not by us.

For the lowest possible rate, typically the borrower will have an LTV of 55% or less, a Tri-Merged FICO Credit score of 790 or better.

Land loans the max LTV typically is 55%.

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

We look at the credit scores to determine loan possibilities.  Poor credit will result in higher interest rates and higher down payments.

Borrowers with outstanding judgments, tax liens, or pending litigation would have to be settled before the closing 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 reason, AppleWood Funding Inc is not responsible for refunding any of the costs/fees or services pay directly by you.

You are not required to complete this loan merely because you have received these disclosures or signed a loan application. If you obtain a loan, the lender will have a mortgage/deed of trust on your property. You will lose your property and any money you have put into it if you do not meet your obligations of the loan. You should have sufficient cash reserves and experience to complete the project.


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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 Joel McDaniel, AppleWood Funding Inc

AppleWood Funding Inc, Brokers, Agents, and employees are not: attorneys, real estate appraisers, financial planners, securities dealers or accountants and we do not advise 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 reason, AppleWood Funding Inc 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-mail 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 have us, or affiliates, contact you about your inquiry by text message, phone (including automated telephone dialing system or an 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 AppleWood Funding Inc or its affiliates.

Personal Information
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Protection of your personal information
The personal information that you proved in connecting with purchasing a product from AppleWood Funding Inc is classified. 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, AppleWood Funding Inc. encrypts your personal information and thereby prevents unauthorized parties from viewing such information when it is transmitted.

Contact Information

Applewood Funding Inc. an Arizona Incorporation
3003 N. 73rd St. #3

Scottsdale, AZ 85251, 602-497-4444
NMLS 175371, AZMB 0903207
www.AppleWoodFund.com  Joel@AppleWoodFund.com
Joel McDaniel Broker/RI

Equal Housing Opportunity.