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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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  • Purchase
    • New Home Purchase
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    • Buying a Vacation Home
    • Home Buying Guide
    • Buying an Investment Property
  • Refinance
    • 2nd Lien Loan
    • Lower Your Payment
    • Pay Off Your Home Faster
    • Consolidate Your Debt
    • Get Cash From Your Home
    • Refinance Investment Property
  • Programs
    • Certified Pre-Approval
    • Alt-Doc Loan
    • Lifetime Guarantee
    • Multiple-Property Discount
    • Investor’s Loan
    • Heroes Program
  • My Loan

Ark Mortgage Advisors are not salespeople, they are advocates.

Instead of hard-selling you with numbers, we take the time to find out about your financial goals before offering you the best products at the best possible rates. We want to know what payment is most comfortable for you and fits into your budget. We will ask about the amount of cash you need now for various projects. We will work to help you maximize your tax benefits while ensuring the term of your loan coincides with your preferred date to become debt-free. We know that without probing questions, there is no way to custom-fit our program to your needs.

New Home
First Time Home Buyer
Vacation Home
Investment Property
Certified Pre-Approval

Financing With Ark

Self-Employed Borrowers and Investors are Welcome Here.

Some lenders turn and run when they hear that your loan might be complicated by multiple streams of income. Not at Ark. We’ve specialized in complicated lending since 1983. Our Alt Doc Loan is an excellent option for entrepreneurs, business owners, and freelancers to get a home loan with less paperwork. We also offer a variety of loan products and programs for investors, whether it’s their first investment property or their 10th.

First-Time Homebuyers are Welcome Here.

Ark Mortgage takes pride in simplifying the home purchase process for first-time homebuyers, acting as Advisors and Educators to walk you through each step of the purchase.

Our Certified Pre-Approval with Rate Lock takes the Stress Off:

Instead of a pre-qualification letter, we arm home purchasers with the ammunition you need to compete with cash buyers! A Certified Pre-Approval is guaranteed for 60 days and assures home sellers and their Realtors that your income, assets and credit have been pre-underwritten for a mortgage. All we need is an address, an appraisal and we’re nearly ready to fund. Planning to close in the next 90 days? Add a Rate Lock for a small, nominal fee (credited toward your closing costs), and remove the worry that rates may go down before you receive title.

Express Mortgage:

Nothing is more important than timing when you are competing to purchase a home. Often, the offer presented by the most-qualified buyer who can close quickest is the one sellers will accept. Ark Mortgage can take most buyers from complete documentation to title transfer in as short as 21 days.

Lifetime Guarantee:

Buy through Ark and save big when you refinance the same property to secure a lower rate, lock in a shorter term or get cash out. With every refinance of that property, we’ll waive the application and commitment fees and reimburse the appraisal fees, a total savings of up to $2,500!

How much home can you afford?

Home Affordability Mortgage Calculator

Loan Information

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Sending

FAQs

How do I know if I qualify to buy a home?

It all starts with you contacting one of our Ark Mortgage Advisors who will walk you through the home buying process, such as:

  • Reviewing credit
  • Obtaining income information
  • Information on the funds that will be used to purchase the home

There are many different loan programs designed to help people in various financial situations.  The best thing to do is obtain an Ark Certified Pre-Approval to determine your Purchase Power and the terms that best fit your needs.

How do I know how much home I can afford?

It depends on your income compared to your other financial obligations. How much you qualify for can be determined by using Ark’s Home Affordability Calculator. This will take into consideration your monthly income, housing expense (rent), liabilities reported on your credit report (car payments, credit cards, etc.,) and the amount of funds available to purchase (savings, gifts, etc.)

How quickly can I close on a home loan?

Typically, it can take 45 days or more. With the Ark Express Mortgage, you can go from Application to Close in as little as 21 days. Having your required income documents ready, like W2s, pay stubs, and tax statements, can help expedite the process.

Can I buy a home and sell my current one at the same time?

Down payment requirements for a second home can be as low as 15%, though 20%-25% is more ideal in terms of affordability. Speak with your Mortgage Advisor regarding particular program guidelines.

How many investment properties can I finance at one time?

Absolutely, but it does create some risk. For example, if you buy a home before you sell your home, you could find yourself overextended financially. If you sell your home before you buy a new home, you might need to rent for a period of time before finding your new home. However, there is a way to do both simultaneously:

Instate a “sale contingency” in your contract. This means you only agree to buy a home if you can sell the one you’re in. Sellers don’t always accept this contingency because they run the run the risk of your current property not selling and their home being “off the market”. Call an Ark Mortgage Advisor for more information.

Explore more

About Us FAQ Call (833) 215-8500 Apply Now

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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 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 © 2025 · Ark Mortgage, All Rights Reserved.

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