First Time Homebuyer

Buying Your First Home Has Never Been Easier

Buying your first home can be exciting but confusing. On one hand, it signifies independence and a bold, new phase of adulthood. On the other, it’s a time of careful contemplation as you negotiate what’s most likely the largest and most significant purchase of your life thus far, one for which you’ve spent years scrimping and saving.

Ark Mortgage is dedicated to simplifying the finance process to ensure your smooth and easy transition from tenant to homeowner. From customizing the best loan type for your particular needs to signing that last document at closing, our Personal Mortgage Advisors will help simplify your journey through the mortgage process. Our goal is for you to get home the Ark way – easier, faster, and better.

Many of our home loans close in 30 days or less – so you’ll be moving into the home of your dreams more quickly than you ever thought possible. When you’re ready to become a homeowner, Ark is ready to help get you there.

The Better Way to Finance Your First Home

Low Down Payment

We offer a variety of home purchase loan options that require as little as 3% down payment, depending on your particular financial situation.

Finding the Right Home

Our Certified Pre-Approval with Rate Protection guarantees your loan eligibility as well as your rate in writing for at least 60 days, so you can search for homes without having to worry about escalating interest rates.

Increased Buying Power

Armed with a Certified Pre-Approval, your offer on your dream home should carry more weight with sellers and Realtors than those made by buyers whose purchasing power has not been as carefully verified.

Start Building Wealth

As an owner, with every monthly payment you make towards your home loan, you’ll be adding to the growing equity in your home.

Start Building Wealth

As an owner, with every monthly payment you make towards your home loan, you’ll be adding to the growing equity in your home.

Frequently Asked Questions

Rent vs. Buy. Here’s how to decide.

Are you currently renting? You might be surprised to learn that you’re already paying a mortgage (and property taxes and insurance!), it’s just that those expenses currently belong to your landlord. Not to mention the profit you’re paying him to make it worth his while to rent.

If you have dreams of home ownership, rest assured that owning your own home can be just as affordable—or even more affordable—than your rental. Plug in your numbers (monthly rent payments, fees, taxes, etc.) into our Ark Rent vs. Buy Calculator to help you compare the costs of purchasing a home versus continuing to rent. This report is based on the original purchase price before negotiation, plus current fees and taxes. Keep in mind that insurance and tax amounts can fluctuate from year to year, so remember, this is just an estimate.

The Better Way to Finance Your First Home

Low Down Payment

We offer a variety of loan options for buying your home that require little to no money down for a down payment.

Finding The Right Home

Our Certified Pre-Approval is guaranteed in writing for at least 60 days, so you can spend more time finding the perfect home.

Increased Buying Power

Armed with an underwritten pre-approval, your offer will be considered more seriously by the seller.

Start Building Wealth

Every payment you make towards your home loan, you’ll be adding to the growing equity in your home.

Peace of Mind

Our Lifetime Guarantee allows you to refinance for any reason without any origination or appraisal fees.
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