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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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New Home Purchase

finance your New Home with Peace of Mind

For most people, a home purchase will be the largest financial investment of your life. An experienced Mortgage Advisor can help ease your mind by guiding you through the countless details and tough decisions. And Ark Mortgage Advisors give you an added benefit: because Ark is a mortgage lender, not just a broker, your Advisor stays with you every step of the way, right up to closing.

Ark can get you a Certified Pre-Approval to help you qualify to bid on a particular property. We can help you with an Express Mortgage if you need a loan in a hurry. We’re specialists in working with self-employed borrowers. And with every loan we make, you’re backed by our Lifetime Guarantee, our promise that if rates go down, you can always refinance with and we’ll waive the lender fees and reimburse you for the or appraisal.

Calculate your payments

Owning a home can be just as affordable—maybe even more affordable—than renting. Plug in your numbers to get an estimate of the monthly payments for a fixed or adjustable rate mortgage (ARM).

Home Affordability Mortgage Calculator

Loan Information

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FAQs

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

Start by contacting an Ark Mortgage Advisor who will walk you through the home financing process. This can include reviewing credit, obtaining income information, and reviewing the funds that will be used to purchase. We have many different loan programs designed to suit most borrowers’ financial situations, including low-to-moderate income earners and self-employed borrowers. The first thing to do is request an Ark Certified Pre-Approval to determine what purchase price and terms best fit your needs.

How do I know how much home I can afford?

It depends on your income and your other financial obligations (debt). You can determine your purchasing power by using Ark’s Home Affordability Calculator. This will analyze your monthly income, living expenses, liabilities reported on your credit report (car payments, credit cards, etc.) and the amount of funds available to purchase (savings, gifts, etc.).

Can I buy a home and sell my current one at the same 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 one, you might need to rent during the interim. However, there are several ways to do both simultaneously. Be sure to ask your Realtor, your Mortgage Advisor, and your attorney for more information as it pertains to your particular situation.

How quickly can I close on a home loan?

Typically, escrow periods range from 30 to 45 days. With the Ark Express Mortgage, you can go from Completed Application (after all requested income and asset information has been submitted) to closing in as short as 21 days. Having your required income documents (W2s, pay stubs, and tax statements) readily available can help expedite the process.

Can I keep my current home and use rental income to qualify for a new home?

Yes. We have a number of programs, some allow you to purchase an investment property using only rental income to qualify. The qualification factors differ between loan programs, so call a Mortgage Advisor for more information.

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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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