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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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  • Refinance
    • 2nd Lien Loan
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    • Consolidate Your Debt
    • Get Cash From Your Home
    • Refinance Investment Property
  • Programs
    • Certified Pre-Approval
    • Heroes Program
    • Lifetime Guarantee
    • Multiple-Property Discount
    • Investor’s Loan
  • My Loan
  • My Application

Heroes Program

Heroes Don’t Always Wear Capes

First responders – professional and volunteer — have made it their business to help others. To show our gratitude, we provide a substantial discount on our fees to originate a new home purchase mortgage… or refinance an existing loan.

Loan Eligibility

There are no restrictions regarding the type of loan (e.g., FHA, VA, conforming, jumbo, etc.) and interest structure (e.g., fixed-rate or adjustable-rate mortgage – ARM) you apply for.

Save on Closing Costs

Closing costs generally account for 2% to 5% of your total home loan. For example: if you took out a $400,000 loan, expect to pay anywhere between $8,000 – $20,000 at closing. With our Heroes Program, you’ll receive a $1,000 discount.

Required Documentation

  1. Credit reports (pulled from the three bureaus Equifax, Experian, and TransUnion)
  2. Tax returns from the last two years
  3. W-2s, pay stubs, or other proof of income
  4. Bank statements (e.g., brokerage accounts and IRAs, etc.)
  5. Renting history (especially if you don’t have an extensive credit history)

Eligible Professions

  • Firefighters
  • Police Officers
  • EMT Personnel
  • Paramedics

The list isn’t extensive—call to find out if you qualify.

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 takes into account your income, the purchase price, and total monthly payment. Try a couple scenarios to see how it might affect your finances.

Home Affordability Mortgage Calculator

Home Affordability Mortgage Calculator

Loan Information

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Financial Analysis

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FAQs

Do I qualify for the Heroes Program?

Eligible professions for the Heroes Program include but are not limited to firefighters, police officers, EMT personnel, and paramedics. If you want to see if you qualify, contact us at (888) 275-8511 to speak to an Ark Advisor.

Do I need to be a past client to qualify?

No, as long as you’re in one of the eligible professions, you’ll be able to save on closing costs whether you’re purchasing or refinancing a home loan.

How long will it take to close?

W2 borrowers can close in as little as 21 days.

Pair with Other Programs

Certified Pre-Approval

A pre-approval makes the house-hunting process simpler for you. Show sellers and real estate agents you’re approved for mortgage financing. That way, it doesn’t matter if another bid is higher; yours will be legitimate.

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.

Explore more

About Us FAQ Call (833) 215-8500

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Ark Mortgage, Inc. NMLS ID #103915

400 Rella Blvd Montebello, NY 10901
Serving New York, New Jersey, Connecticut, Pennsylvania, Florida, & Arizona
View our NMLS licenses here.

Equal Housing Lender

Copyright © 2023 · Ark Mortgage, All Rights Reserved.

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BBB RATING: A+
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INVESTMENT PROPERTY

Ark offers alternate ways to finance investment properties, including our DSCR loan where borrowers can qualify with the current rent roll of the property; and the Alt-Doc loan which uses P&L or bank statements to qualify.

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Ark does not issue loans for properties with five or more units at this time.

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