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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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Get Cash From Your Home

Need Cash Now? Tap Into Your Equity.

American households owe a combined $1.3 trillion dollars in revolving credit debt according to a recent study, with interest rates that range between 17%-24%.

A lower interest option is hiding inside the walls of your home. It’s called equity, the difference between the balance left on your home loan and what it’s worth today. With a home equity loan from Ark, you can tap into it your home’s equity to get the cash you need, cost-effectively and tax-deductible.

That’s cash to repair or remodel your home, fund an education, or pay off high-interest debt. It starts with a no-obligation call to an Ark Mortgage Advisor.

How much can I save?

Enter your combined credit card debt and the current interest you’re paying. (Hint: it’s over 17 or 18%.) Then enter the basics of your current mortgage — how much you owe and what interest you are paying. Even at today’s interest rates, you might be surprised at how much you can save, especially if you have a lot of debt.

Cash Out Calculator

Cash Out Calculator

ABOUT YOUR CURRENT CREDIT CARD DEBT

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ABOUT YOUR CURRENT MORTGAGE

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YOUR POTENTIAL SAVINGS

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Contact me to see if I qualify!

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FAQs

How does a cash-out refinance work?

A cash-out refinance will give you access to the equity in your home. The amount of cash you can receive is based on the difference between the current value of your home minus the remaining balance on the loan. You basically refinance the mortgage for more than the current balance and less than the current value.

Is a home appraisal required for a cash-out mortgage refinance?

Most cash-out refinances will require a home appraisal. The appraiser will establish the value of your home, which determines the amount you’ll be able to cash out. In some cases, your home may be worth more than you think, so having a home appraisal may result in a pleasant surprise. If your original mortgage was through Ark, we’ll reimburse the cost of the appraisal as part of our Lifetime Guarantee.

How much cash can I take out when I refinance?

Depending on your loan type, you can take out the difference between 75%-80% of the home’s current value versus the remaining balance or the entire difference between your home’s current value versus the remaining balance. To get an exact figure, schedule a consultation with a Personal Mortgage Advisor.

Can I do a cash-out refinance when an FHA or VA loan?

Yes. FHA loans will allow you to cash out up to 85% of the property’s current value and require less documentation than a conventional cash-out refinance. The VA loan process is similar to the FHA, but a VA loan cash-out refinance will allow you to cash-out up to 100% of your home’s current value. If you or your spouse is either a veteran or an active in the military, a VA loan may be a great option.

With my refinanced mortgage, what will my new monthly payment be?

Calculate your potential new monthly mortgage payment in seconds with this handy calculator, so you can ensure you’ll still have enough money left over each month for your other expenses. Choose your rate and term—you might be surprised to see how affordable it is to own your home sooner than you thought. Note how much interest you’ll pay over the life of the loan, and enter prepayment amounts to calculate their impact on your overall expenditure.

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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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