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The Ark Lifetime Guarantee

Why Ever Pay More? Introducing the Ark Lifetime Guarantee

Every mortgage from Ark comes with our Lifetime Guarantee.

Why Ever Pay More? Introducing the Ark Lifetime Guarantee

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.

Real quotes from real clients:


Chaim L.

Brooklyn, NY

“As somebody who recently converted from traditional mortgage brokers to Ark Mortgage, the process was as easy as a credit card application. The loan officers were amazing and easy to work with. It’s time everybody finds out about Ark Mortgage.”


Basye M.

Spring Valley, NY

"....Ark Mortgage has excellent customer service with loads of extra patience. They walk you through every step of the way to get the best possible deal.”


Efraim W.

Airmont, NY

“I can’t imagine having a better interaction than what I experienced with my Ark Mortgage adviser. He picked up the phone even when he was at his busiest, always called me back. He was always on top of everything. He actually became a close friend- part of the family!”


Martin K.

Toms River, NJ

“I can only say great things about my dealings with Ark Mortgage. Not only was everyone I worked with friendly, but also on top of everything I needed. We love our home and could not be happier with those who worked to make our dreams come true.”


David W.

Airmont, NY

".... my Ark Mortgage adviser made home ownership for me from a distant dream to a reality. All while patiently teaching and advising me of the entire process."

Mortgage More Confidentally

  • Lower Rate

    Reduce your monthly payments if interest rates drop below the note rate on your current mortgage.
  • Reduce Term

    Pay off your home loan faster to save tens of thousands in interest or retire ahead of schedule.
  • Get Cash

    Use your growing equity to pay off high-interest debts, finance home improvements, or even to buy a second home.
  • Eliminate MIP

    Get rid of that mortgage insurance premium when property values increase and your equity grows.

Call The Ark