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Ark Mortgage Inc, NMLS# 103915

Ark Mortgage Inc, NMLS# 103915

Mortgage Advisors & Lending Services in New York & New Jersey

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Ark Knowledge Base


Feeling the Heat

Rising heating oil and utility costs are changing what feels affordable for Northeast home buyers.

Continue Reading Feeling the Heat

Waiting for the rate to fall

How does the Fed rate cut affect mortgage rates? Or does it?

Continue Reading Waiting for the rate to fall

2026 Forecast: Right time to Buy?

What does 2026 have in store for home affordability?

Continue Reading 2026 Forecast: Right time to Buy?

Homebuying as an Inflation Shield

Interest rates may be stubborn, but inflation marches on. What can you do?

Continue Reading Homebuying as an Inflation Shield

DSCR Rental Property Investment

A great way to invest in residential real estate with a minimum of hassle.

Continue Reading DSCR Rental Property Investment

6 Ways to Use a Cash-Out Refinance

How to access and use home equity — even if you’re already in a low-interest primary loan.

Continue Reading 6 Ways to Use a Cash-Out Refinance

Refi your mortgage for renovations

A cash-out refinance may be the perfect way to finance renovations.

Continue Reading Refi your mortgage for renovations

FHA vs. Conforming Loans

The two most common types of loans popular for first-time homebuyers.

Continue Reading FHA vs. Conforming Loans

Sailing the 4 C’s of Mortgage Qualification

The four factors that determine whether or not you qualify for a loan.

Continue Reading Sailing the 4 C’s of Mortgage Qualification

Capacity: How to Calculate DTI

The two types of ratios lenders look at to know your monthly spending.

Continue Reading Capacity: How to Calculate DTI

The Role of Collateral in a Mortgage

The pros and cons of using collateral when you apply for a home loan.

Continue Reading The Role of Collateral in a Mortgage

The role of credit in getting a loan

Your credit score affects a lender’s decision to issue you a loan.

Continue Reading The role of credit in getting a loan

So, What’s it Really Going to Cost Me? Mortgage Closing Costs

The types of closing costs you need to look for in your…

Continue Reading So, What’s it Really Going to Cost Me? Mortgage Closing Costs

Options for Buying a Foreclosed Home

Understand the options for buying a foreclosed home. Home buyers often think…

Continue Reading Options for Buying a Foreclosed Home

How to Buy a Home for the First Time

Essential tips for first-time homebuyers. Becoming a first-time homebuyer can seem like a…

Continue Reading How to Buy a Home for the First Time

Buying a Second Home: What You Need to Know

Know your budget before you buy a second home. Home owners who…

Continue Reading Buying a Second Home: What You Need to Know

What Credit Score Do You Need to Buy a Home?

The minimum credit score requirement for the different types of loans available.…

Continue Reading What Credit Score Do You Need to Buy a Home?

Is it Cheaper to Build or Buy a House?

To buy or to build a house? Factors to keep in mind…

Continue Reading Is it Cheaper to Build or Buy a House?

Buying a New Home in a Subdivision

A new home is like a blank canvas—everything is waiting for you,…

Continue Reading Buying a New Home in a Subdivision

What is the Process of Buying a Home?

The five steps you should take before stepping into an open house.…

Continue Reading What is the Process of Buying a Home?

Renting vs. Buying a Home

Renting and buying a home has its pros and cons. The right…

Continue Reading Renting vs. Buying a Home

How to Buy a New Home Before Selling the Old One

One of the main concerns homeowners have when upsizing (moving into a…

Continue Reading How to Buy a New Home Before Selling the Old One

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Ark Mortgage, Inc.

NMLS ID #103915

400 Rella Blvd, Suite 300 • Montebello, NY 10901 • (800) 247-4432

Serving California, Arizona, Colorado, Connecticut, Florida, New Jersey, New York,  Pennsylvania & Texas
For licensing information see our licensing page or visit the NMLS Consumer Access page.

For Texas consumers, learn how to file a complaint here. 

Equal Housing OpportunityEqual Housing Opportunity

Rates, terms and programs are subject to change without notice. All loans are subject to appraisal and property condition requirements and underwriting approval. The information on this website does not represent an offer to enter into a loan agreement. Restrictions apply

Copyright © 2026 · Ark Mortgage, All Rights Reserved.

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