First Time Homebuyer

Buying Your First Home Has Never Been Easier

Buying your first home is both a bold, new phase of independence and a time of careful contemplation. You’re negotiating the most significant purchase of your life, and you shouldn’t have to do it alone.

Ark Mortgage can simplify the finance process to help you transition from tenant to homeowner. We customize the best loan type, make sure you sign on the correct line at closing, and everything in between. Our Personal Mortgage Advisors are here to help you through the process.

Many of our loans close in 30 days or less – so the home of your dreams is never too far away. When you’re ready to become a homeowner, we’re here to help.

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 financial situation.

Finding the Right Home

Certified Pre-Approval with Rate Protection guarantees your loan eligibility and your rate in writing for 60 days. So you can search for the right home without worrying about rising rates.

Increased Buying Power

Armed with a Certified Pre-Approval, your offer carries more weight with sellers and realtors than one from a buyer whose purchasing power has not been verified.

Start Building Wealth

When you own your home, every monthly payment you make adds to the equity in your house — and not to a landlord’s wealth.

Frequently Asked Questions

Rent vs. Buy: How to decide

Are you renting? Then you’re already paying a mortgage, property taxes, and insurance. The expenses happen to belong to your landlord, who charges extra to take care of them for you.

Owning a home shouldn’t feel like a dream. It’s just as affordable — if not more so — than your rental. Plug your numbers (monthly rent payments, fees, taxes, etc.) into our Ark Rent vs. Buy Calculator to compare. The report is based on the original purchase price before negotiation, plus current fees and taxes. Keep in mind that insurance and tax amounts fluctuate from year to year, so 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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