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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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Home Loan Programs

We’re a Full-Service Lender

As a mortgage lender licensed in New York, New Jersey, Pennsylvania, Connecticut, Arizona, and Florida, we handle your home loan from start to finish. We underwrite virtually every loan we make and service most loans throughout their term.

Fixed-Rate Mortgage

Fixed-rate mortgages (FRMs) provide predictability as the principal and interest of the loan remain the same throughout the term. The 30-year fixed-rate mortgage is the most popular home loan program to finance a home. It’s easy to qualify for and has low monthly payments. While with a 15-year fixed-rate mortgage you’ll save money on interest charges and build your equity faster. At Ark, we offer 10, 15, 20, 25, and 30-year FRMs.

Adjustable-Rate Mortgage (ARM)

Adjustable-rate mortgages (ARMs) lower the cost of your initial monthly mortgage payments and is a great option if your plan is to stay in the home short-term. Generally, it’s easier to qualify for an ARM than a fixed-rate mortgage. At Ark, we offer 5/1, 7/1, and 10/1 ARMs.

FHA Loan

Federal Housing Administration loans are generally easier to qualify and a popular home loan program for first-time homebuyers. can have a down payment as a 3.5% whether you’re purchasing a single-family or multi-family home. A 10% down payment is required when buyers have a credit score lower than 580.

Jumbo Loan

A jumbo loan is used to finance high-cost or luxury homes. Whether or not you need a jumbo loan depends on the median price of the home in the county you’re looking to finance. They either be fixed or adjustable-rate mortgages. At Ark, we offer 15 and 30-year fixed and 5/1, 7/1, and 10/1 ARMs.

DSCR Loan

The DSCR (Debt Service Coverage Ratio) loan, lets individuals and LLCs use rental income to qualify for a mortgage. No tax returns, paystubs, or other proof of income required.

Non-QM Loan

A non-qualified mortgage is a loan product that doesn’t conform with the lending guidelines set by Fannie Mae and Freddie Mac. They are designed for home buyers who can’t conform to the stringent requirements for a qualified mortgage.

From the blog

6 Ways to Use a Cash-Out Refinance

Homeowners may be surprised to learn how much equity they have built up, and with a cash-out refinance, they can…

more 6 Ways to Use a Cash-Out Refinance

Refi your mortgage for renovations

A cash-out refinance may be the perfect way to finance renovations.

more Refi your mortgage for renovations

2024 Forecast: To Buy or Not to Buy?

What does the upcoming year have in store for home affordability?

more 2024 Forecast: To Buy or Not to Buy?

FHA vs. Conforming Loans

The two most common types of loans popular for first-time homebuyers.

more FHA vs. Conforming Loans

Sailing the 4 C’s of Mortgage Qualification

The four factors that determine whether or not you qualify for a loan.

more Sailing the 4 C’s of Mortgage Qualification

Explore more

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

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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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