Lifetime Guarantee

Mortgage interest rates are unpredictable, and so are your family’s financial needs. You may find yourself second-guessing your timing if or when interest rates fall, especially if it’s soon after you bought your home. You may wish you’d financed your loan with a smaller down payment so you’d have a larger cash reserve for improvements or life events. You know there’s always the option to refinance… but the additional fees can be frightening.

Don’t be scared.

With Ark’s Lifetime Guarantee, you’ll pay origination fees only once per property, no matter how many times you refinance. If you qualify and refinance through Ark, we’ll waive the application and commitment fees as well — and even reimburse your appraisal costs up to $750 per transaction. That can save you a boatload.

The Ark Lifetime Guarantee applies to all past and future Ark clients for every mortgage we make except 2nd Lien loans. So you can make your move now and enjoy “loan peace of mind,” knowing that you can take advantage of a lower rate, shorten your term, or tap into your equity for the lifetime of your loan, all at tremendous savings.

Investors save, too.

Investors who are purchasing more than one property at a time can take advantage of Ark’s Multi-Property Discount. Whether you’re purchasing new properties or refinancing multiple properties that you already own, you’ll pay the application and commitment fees for just a single property as long as you submit all applications within 30 days. Read all about it here.

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.