The Ark Mortgage Difference
A mortgage is a promise made by a borrower to pay back a loan.
AT ARK MORTGAGE, WE THINK THAT PROMISE SHOULD GO BOTH WAYS. When you become our client, our promise is to advise and protect you every step of the way. We’re a bank, not a broker, so we can make sure your loan is handled properly and efficiently every step of the way, from pre-approval to servicing.
A home buyer or owner deserves a loan that fits their overall financial strategy, with a competitive interest rate, an affordable payment, a realistic term and the right down payment. The right loan leaves cash in the bank for improvements or emergencies, all the while providing maximum tax advantages.
That’s the reason Ark offers so many different programs for residential loans. We make both conventional and unconventional loans; loans for a primary residence or vacation property; and loans for investment properties, both single and multi-family. We’re also experts at refinancing existing loans, whether or not we made the loan in the first place. We can help you adjust your rate, shorten your term, or access available cash that’s hidden in your current home’s growing equity. Whatever your situation, Ark has the right program at the right rate, customized with your best interests in mind.
A mortgage is a promise and at Ark, that’s our unbreakable promise to every borrower we have the honor of serving.
A Better Mortgage Process
- Understanding your needs
A great mortgage starts with a consultation with an Ark Mortgage Advisor. This allows us to understand you: your goals, your needs and your expectations. We can then research the best options and structure your loan in a way that is most advantageous to you.
- Complete application
By gathering all the information up front, we can get you through the process as quickly and effortlessly as possible. To ensure your loan closes quickly, we need your help getting the required documents submitted. Your Personal Mortgage Advisor or assistant may ask for items such as W2s, pay stubs, bank statements and employment history. We’ll also secure and lock the best possible rate for you and schedule the property appraisal with one of our trusted partners.
Once your documents and application are submitted, we jump into action. An underwriter will review your loan documents and hopefully will able to approve your loan with few conditions. Conditions are typically small items that still need to be addressed and are unique to each borrower and situation. Your Mortgage Advisor will work with you to quickly resolve any conditions. Once your conditions have been cleared, our underwriters will review your loan one last time and get it ready to close.
- Closing and funding
Congratulations! You’re about to get your new home! We’ll work with the closing attorney, finalize the paperwork and schedule your closing date so you can experience a smooth, stress-free closing, the way it should be.
Tell us how about yourself and your financial goals.
Questions? One of experts will respond promptly.
We’re always looking for great people who want to help others.