Business Details
43 Years
experience
Your Trusted Mortgage Partner in Montebello, NY
Ark Mortgage has been a trusted mortgage lending partner since 1983, dedicated to helping homebuyers, investors, and refinancers achieve their financial goals. Our customer-first philosophy emphasizes education, transparency, and personalized solutions tailored to individual needs. With in-house underwriting and streamlined processes, we deliver competitive rates and expedited loan approvals, often completing transactions in as little as 21 days. Our team of expert advisors prioritizes long-term relationships over short-term sales, ensuring clients understand all aspects of their mortgage journey.Specialized programs like Alt-Doc Loans for self-employed borrowers and DSCR Loans for investors demonstrate our commitment to addressing diverse financial situations. The Lifetime Guarantee program provides ongoing savings for repeat customers, while the BBB A+ rating underscores our dedication to ethical practices. By combining technological efficiency with personalized service, we empower clients to make informed decisions about home purchases, refinancing, and investment properties across multiple states.
Services
Mortgage Refinance
Home Purchase Loans
Investment Property Loans
Alt-Doc Loans
Certified Pre-Approval
Cash-Out Refinance
DSCR Loans
Second Lien Loans
Jumbo Loans
Fixed-Rate Mortgages
Details
- Year established: 1983
Highlights and features
- In-house underwriting enables loan approvals in as little as 21 days
- Certified Pre-Approval program with 60-day rate guarantee
- Alt-Doc Loans specifically designed for self-employed borrowers
- Lifetime Guarantee waives fees for future refinances on same property
- BBB A+ rated with decades of mortgage industry expertise
Associations and certifications
- NMLS
- BBB A+
Services
Mortgage Refinance
Our mortgage refinancing solutions help homeowners lower payments, shorten loan terms, or access home equity. With specialized programs like cash-out refinances and the Lifetime Guarantee program, we offer ongoing savings for existing homeowners. The streamlined process often completes in 21 days or less.
Home Purchase Loans
Comprehensive home purchase financing includes conventional, FHA, and jumbo loan options for first-time buyers and experienced homeowners. Our Certified Pre-Approval program strengthens purchase offers with 60-day rate protection and pre-underwritten verification.
Investment Property Loans
DSCR Loans enable investors to qualify using rental income without traditional income documentation. Our programs support single and multi-property investors with competitive rates and flexible terms tailored to real estate investment strategies.
Alt-Doc Loans
Designed for self-employed borrowers, Alt-Doc Loans simplify qualification with reduced paperwork requirements. This program verifies income through alternative methods while maintaining access to competitive mortgage rates and terms.
Certified Pre-Approval
Our Certified Pre-Approval includes full underwriting verification and 60-day rate lock protection. This strengthens purchase offers by demonstrating serious buyer status with verified financial documentation to sellers and realtors.
Questions
What documents are needed for mortgage pre-approval?
Basic income verification, credit report, and asset documentation are required. Our advisors will specify exact requirements during initial consultation.
How quickly can Ark Mortgage close a loan?
Most loans close within 21 days using our Express Mortgage process when all documentation is complete.
Do you offer mortgage options for self-employed borrowers?
Yes, our Alt-Doc Loan program provides specialized mortgage solutions for entrepreneurs and business owners with alternative income verification.
What are the benefits of refinancing with Ark Mortgage?
Benefits include the Lifetime Guarantee program, competitive rates, cash-out options, and potential savings of up to $2,500 on repeat refinances.
Can I finance multiple investment properties simultaneously?
Yes, our Multi-Property Discount allows financing of multiple properties with single application fees when submitted within 30 days.
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