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The Ark Express Mortgage

The Express Mortgage: From Application to Closing in 21 Days

At Ark Mortgage, we recognize that speed can be a crucial factor in home financing. We’ve spent years streamlining our processes to make sure every loan closes as quickly as possible.

Especially if you are competing against other buyers for a property, the promise to close within the month may make all the difference in a seller’s decision. That’s why we’ve created the Express Mortgage program which enables us to approve qualified loans in a lightning-quick 21 days following submission of all required documentation to complete the mortgage application.

To be eligible to apply for an Ark Express Mortgage:

  • You must specifically request an Express Mortgage when you apply for the loan.
  • All of your income for the past 2 years must be reportable on a W-2 Form. (If you have one or more streams of income not reportable on a W-2 Form, then our Entrepreneur’s Fast Track Mortgage might be a better choice—especially since simplifying the loan process for self-employed borrowers has been an Ark specialty for decades.)

Once you meet the Express Mortgage eligibility requirements we will discuss your specific needs and goals. What monthly payment do you consider affordable? In how many years do you want to have paid-off your mortgage and own your home free and clear? How much of a downpayment will still leave you with sufficient cash to cover home improvements or an emergency fund? The “right” mortgage is different for everyone and at Ark, we custom-design every loan to ensure it’s a perfect fit.

What’s Next?

Once the most appropriate loan for your needs has been identified, your Ark Personal Mortgage Advisor will painlessly guide you in gathering all the documents required to get your loan approved. If you’re a qualified borrower, you’ll usually receive a quick approval which will include the conditions that must be satisfied before closing. Conditions typically include clean title, acceptable property appraisal and other items unique to each borrower and situation. Your Personal Mortgage Advisor will explain and help you address each condition, so the application can be forwarded to our in-house underwriting team. Underwriters will review your information and documentation one last time before clearing it to close.

There you have it—application to closing in 21 days or less!

The Easier Way to Finance Your Home

  • Consultation

    Understanding your goals, needs and expectations. We’ll present customized solutions that are the most advantageous to you.
  • Application

    We gather all necessary information and documentation up front to get you through the process as quickly and painlessly as possible.
  • Approval

    Once your documents and application are submitted, we jump into action and the clock starts ticking! In less than 48 hours, you’ll get a decision – hopefully an approval with conditions.
  • Closing

    Congratulations! You’re about to get your new home! We’ll work with the closing attorney, finalize the paperwork and schedule your closing date to make this easier for you, so you can experience a smooth, stress-free closing, the way it should be.

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."


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