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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
    • Lower Your Payment
    • Pay Off Your Home Faster
    • Consolidate Your Debt
    • Get Cash From Your Home
    • Refinance Investment Property
  • Programs
    • Certified Pre-Approval
    • Alt-Doc Loan
    • Lifetime Guarantee
    • Multiple-Property Discount
    • Investor’s Loan
    • Heroes Program
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Lifetime Guarantee

reduced-fee refinance on every ark loan

Ever take out a mortgage and then start second-guessing your timing as interest rates start to fall? Or wished you’d taken a shorter term or put down a smaller down payment so you’d have money for improvements? Have you wished you could refinance but hesitated due to the additional fees involved?

With the Ark Mortgage Lifetime Guarantee, you 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 and even reimburse your appraisal costs. That can save you up to $2,500 per transaction!

If you’re already in a great, low-interest loan, but you need to get cash from your home equity, take a look at our 2nd Lien Loan program. You can get cash out and keep your current loan.

We also offer a Multi-Property Discount as a boon to investor clients. Whether or not you originally purchased the properties through us, refinance them all simultaneously and you’ll pay application and commitment fees for just one property. We’ll waive those costs for the remaining homes, up to $2,500 apiece.

The Ark Lifetime Guarantee applies to all past and future Ark clients. So start saving money and enjoy “loan peace of mind,” knowing that you can shorten your term, tap into your equity or even take advantage of a lower rate for the lifetime of your loan, all at tremendous savings.

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

Loan Information

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FAQs

What are you guaranteeing?

Simply put, we guarantee that you’ll never have to pay most fees for refinancing a loan you make with us.

How much can I save?

Depending on your loan, you could save up to $2,500!

What loans are covered?

Every loan we make is automatically covered by this guarantee. So you can buy with confidence, knowing that you can refinance if rates go down.

Can I do a “cash out” refi?

Sure. Why you want to refi is your business. We just want to make it easy for you to do.

APPLY NOW

Pair with Other Programs

Certified Pre-Approval

A pre-approval letter shows sellers and real estate agents you’re likely to be approved for financing, making your bid really count.

Heroes Program

To show our gratitude to first responders and volunteers, we discount our fees on home purchase or refinance of an existing loan.

Alt-Doc Loan

For the self-employed and business owners, our reduced paperwork loan can get you financed with a lot less hassle.

Ark Mortgage Lifetime Guarantee Disclaimer

Refinancing your mortgage from Ark Mortgage is conditional on the program type or investor guidelines “seasoning” restrictions (most seasoning restrictions require 7 consecutive payments be made since loan origination). Loan approval for any future refinancing is not guaranteed. You must fully qualify for the selected refinance and meet all of the requirements of the loan refinancing program and federal guidelines concerning your ability to repay. Additionally, the appraised value of your home for any future refinance is also not guaranteed. If an appraisal of the property is required to meet the conditions of your new loan, the value of the property must be acceptable for the program and loan terms requested. Moreover, the interest rate for all future refinance is not guaranteed. Borrower must qualify for the loan requested, and will be quoted the interest rates in effect at the time of the new refinance. As a result of refinancing, your total finance charges may be greater over the life of the loan. Ask your Ark Mortgage Personal Mortgage Advisor for more details.

* Lender origination fees include underwriting and application fees.
** All appraisal fees are credited at the closing of the new loan.

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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