• Skip to primary navigation
  • Skip to main content
  • MORTGAGE
  • CAREERS
Ark Mortgage Inc, NMLS# 103915

Ark Mortgage Inc, NMLS# 103915

Mortgage Advisors & Lending Services in New York & New Jersey

  • About
    • Why Ark
    • Team
    • Reviews
    • Learn
      • Blog
      • Glossary
      • FAQ
      • Mortgage Calculators
    • Contact
    • Careers
    • Legal
      • Disclosures and License Information
      • Lifetime Guarantee Disclaimers
      • Privacy Policy
      • Terms of Use
  • Purchase
    • New Home Purchase
    • First-Time Homebuyer
    • 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

Certified Pre-Approval

improve your home buying power

Before you start deciding how many bedrooms and bathrooms you need, it’s crucial to sit down and determine how much house you can afford.

Once that’s done, we give you a Certificate of Pre-Approval, a loan-approval document that tells your realtor and the seller of any home you’re interested in that you’ll likely be able to afford the house. In a competitive market, it can be really difficult to get sellers interested in your offer without it.

An Ark Advisor can help you to work out a budget. We consider your net income and subtract your current debt while leaving wiggle room for unforeseen expenses. That determines your Maximum Affordable Payment (MAP) for your mortgage, which in turn tells us what amount of loan you’ll be likely to be approved for.

Your Ark Mortgage Advisor will also tell you about various ways you can maximize your purchasing power.

How much mortgage can I afford?

The first step in buying a house is determining a realistic budget. Start with this handy calculator to get an estimate of how much you can qualify for, and how a home loan will fit into your monthly payments. The calculator considers your income, the purchase price, and the total monthly payment. Try a couple of scenarios to see how it might affect your finances.

Home Affordability Mortgage Calculator

Loan Information

$.00
$.00
6.5%
0%20%
30years
5years30years
$.00
$.00
%

Financial Analysis

$

$

$

$

$

$
Sending

FAQs

Why should I lock in a rate?

Mortgage rates are notoriously unpredictable. If you’re close to buying, it’s a good idea to lock in your rate before it goes up. Of course, if the rate goes down during your lock, we’ll get you the lower rate.

Will I get charged a float-down fee?

Ark Mortgage never charges a fee to get you the lower rate once you’ve purchased the rate lock.

What if my lock expires before I close?

We can usually get an extension, but there may be some cost involved. If your closing is delayed because of any problem on our end, we’ll of course cover the cost of your extension.

APPLY NOW

Pair with Other Programs

Lifetime Guarantee

For any number of reasons, you may refinance your Ark loan. With our Lifetime Guarantee, you pay lender fees and appraisals only once per property, no matter how many times you refinance.

Heroes Program

If you’re a first responder or health care worker, thank you. To show our gratitude we give a substantial discount on our fees whether you purchase or refinance a home loan.

Explore more

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

Footer

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.

  • Email
  • Facebook
  • Instagram
  • LinkedIn
  • Vimeo
Ark Mortgage, Inc. BBB accredited business profile
BBB RATING: A+
  • Terms of Use
  • Privacy Policy
  • NMLS Consumer Access
  • Lifetime Guarantee Disclaimers
Online Application

START HERE:

I am looking to: *
logo acf-forms activecampaign authorize aweber bootstrap campaignmonitor constant_contact getresponse googlesheets highrise hubspot mailchimp mailpoet paypal icon polylang salesforce salesforcealt stripe stripealt twilio woocommerce Zapier required delete move drag clear noclear duplicate copy clone tooltip tooltip_solid forbid checkmark image checkmark circle checkmark square check check1 plus plus1 plus2 plus3 plus4 minus minus1 minus2 minus3 minus4 cancel cancel1 close report_problem_solid report_problem arrowup arrowup1 arrowup2 arrowup3 arrowup4 arrowup5 arrowup5_solid arrowup7 arrowup6 arrowup8 arrowdown arrowdown1 arrowdown2 arrowdown3 arrowdown4 arrowdown5 arrowdown5_solid arrowdown7 arrowdown6 arrow_left arrow_right filter download upload2 download2 hard_drive pencil_solid pencil pencil-message signature register account_circle_solid account_circle address_card paragraph checkbox_unchecked checkbox checkbox_solid dropdown caret_square_down radio_unchecked scrubber location_solid location toggle_on toggle_off shield_check shield_check_solid clock clock_solid email_solid mail_bulk code tag tag_solid price_tags search sitemap file file_text_solid file_text option option_solid more_horiz more_vert more_horiz_solid more_vert_solid calculator key key Filled Key Icon keyboard eye eye_solid eye_slash_solid page_break view_day attach_file printer header h1 repeat repeater save sliders code_commit star star_full star_half star_feedback linear_scale pie_chart stats_bars sms feed align_right align_left button browser cloud_upload_solid shuffle swap pallet fingerprint ghost heart_solid heart history import export label_solid label lock_open lock alt_lock dollar_sign percent notification external_link pageview_solid pageview settings stamp support text white_label building icontact sendinblue sendy wordpress credit_card credit_card_alt cc_amex cc_discover cc_mastercard cc_visa cc_paypal icon cc_stripe price product total quantity directory Preview
Find an Advisor
Contact Us (Investors)
First
Last
Please select a valid form