Lifetime Guarantee

No-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?

At Ark Mortgage, we’re dedicated to the highest levels of customer care and advocacy. That includes minimizing the stress that accompanies the purchase and refinance process, which is why we created the Ark Mortgage Lifetime Guarantee.

With the Ark Mortgage Lifetime Guarantee, you pay certain 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!

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.


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.