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Arc Home Loans

Our conventional and high balance investment and second home pricing has been very competitive period Alt Doc pricing has also been strong particularly on higher loan amounts up to $3,000,000. DSCR has been strong in the no prepayment penalty and one year prepayment penalty pricing buckets. Did you know when you use short term rentals on DSCR purchases, we just need a AirDNA? Even better we don’t have additional price hits or requirements when choosing short term rentals.

HomeEQ (HELOC)

Discover how our HELOC program fast fully digital platform. Our platform transforms our business with a quick 5-10 day fundings and a seamless and smooth service experience. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Non-QM Access and Edge (non agency)

Non QM and non agency lending solutions are streamlined processes, industry-leading pricing and service, full doc eligibility dash access our access program offers generous loan amounts up to 3,500,000, with financing available up to 90% LTV for a qualified borrowers. We can work with psycho scores as low as 660, making high value homes more attainable. Full doc eligibility dash edge the edge program provides up to $3,000,000 in financing, with a maximum LTV of 85% and flexible credit requirements down to a 660 fico. It’s a smart choice for borrowers seeking competitive options without compromising on service or speed.

Our conventional and high balance investment and second home pricing has been very competitive. Alt Doc pricing has also been strong particularly on higher loan amounts up to $3M. DSCR has been strong in the no PPP and 1 year PPP buckets. Did you know when you use short term rentals on DSCR purchases, we just need a AirDNA? Even better we don’t have additional price hits or requirements when choosing short term rentals. Please contact a Loan Officer.

Arc Home Loans Offers the Following Loan Programs

Access & Edge

Full Doc and Alt Doc Available

  • Prime: 660 Credit Score – 90% LTV – $3,500,000
  • Non-Prime: 620 Credit Score – 85% LTV – $1,500,000

Mortgage Pre-Qualification Form – No Credit Check

Access Clean Slate

Full Doc and Alt Doc Available

  • Non-Prime: 620 Credit Score
  • 85% LTV
  • $1,500,000
  • One mortgage/housing expense late (30-day) – OK

Mortgage Pre-Qualification Form – No Credit Check

Access & Edge DSCR

DSCR

  • 600 Credit Score
  • 80% LTV
  • $2,500,000
  • .75 DSCR ratio

Mortgage Pre-Qualification Form – No Credit Check

Access & Edge Alt Income

660 Credit Score – 90% LTV – $3,500,000

Alt Doc:

  • Bank Statements
  • One year lite doc (tax returns and/or w2s)
  • P&L Only with CPA Letter
  • P&L Only without CPA Letter
  • 1099 Only
  • Asset Utilization

Mortgage Pre-Qualification Form – No Credit Check

Foreign National

  • 700 Credit Score
  • 70% LTV
  • $1,500,000

Mortgage Pre-Qualification Form – No Credit Check

Qualified Mortgages:

  • Elite Jumbo Prime
  • Elite Alt Income
  • Bank Statements
  • 1 Year Full Doc
  • 1099’s

Mortgage Pre-Qualification Form – No Credit Check

Last Updated on 1 week ago by Broker Mortgages

Alternative Income Documentation

Contact a Loan Officer

Our conventional and high balance investment and second home pricing has been very competitive period Alt Doc pricing has also been strong particularly on higher loan amounts up to $3,000,000. DSCR has been strong in the no prepayment penalty and one year prepayment penalty pricing buckets. Did you know when you use short term rentals on DSCR purchases, we just need a AirDNA? Even better we don’t have additional price hits or requirements when choosing short term rentals.

HomeEQ (HELOC)

Discover how our HELOC program fast fully digital platform. Our platform transforms our business with a quick 5-10 day fundings and a seamless and smooth service experience. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Non-QM Access and Edge (non agency)

Non QM and non agency lending solutions are streamlined processes, industry-leading pricing and service, full doc eligibility dash access our access program offers generous loan amounts up to 3,500,000, with financing available up to 90% LTV for a qualified borrowers. We can work with psycho scores as low as 660, making high value homes more attainable. Full doc eligibility dash edge the edge program provides up to $3,000,000 in financing, with a maximum LTV of 85% and flexible credit requirements down to a 660 fico. It’s a smart choice for borrowers seeking competitive options without compromising on service or speed.

Alternative Income Documentation

Contact a Loan Officer