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We Provide Ethical, Pro-Consumer Mortgage Services and Education Nationwide


Who Are We ?


Since 1993, ArcLoan has educated consumers across the United States on mortgage strategies and programs.

W
e serve all 50 states with Conventional, FHA, VA, and HARP mortgages for both Purchase and Refinance.

Our goal is simple - to help you gain access to pro-consumer, ethical, experienced mortgage specialists to HELP YOU, not sell you, when you are purchasing or refinancing. We will help you take advantage of interest rate cycles and mortgage management techniques to help increase savings and reduce debt.

Our Mortgage Management Strategies™ have been endorsed by national consumer advocates, financial planners, accountants, insurance professionals, attorneys and, more importantly, homeowners.

Our professional Mortgage Educators are ready to provide you with a No Obligation mortgage analysis which could save you thousands of dollars, or to assist you in purchasing a new home.


Rate Perspective

(10 yr. History)



Our Mission Statement:


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T
o provide both homeowners and potential homeowners throughout the United States with financial education strategies which enable them to take advantage of interest rate cycles, and mortgage management techniques to help them increase savings and reduce debt.

As a pro-consumer organization, our business model is relationship based, not transactional. Our philosophy is simple: Keeping Customer Loyalty By Earning It!

Our corporate culture was built around Integrity, Reliability and Credibility, which are rare attributes in the mortgage industry. We are proud to have helped consumers across the United States for over 25 years.

Our expert client services capabilities, coupled with our ability to offer sound, educational advice has resulted in a 90% client retention rate.

Current Mortgage News


  • Mortgage Rates Drop (FINALLY !) While Credit Availability Rises
    by Phil Hall

    Thursday, January 5, 2017

    For the first time since Election Day, fixed mortgage rates took a tumble. According to Freddie Mac’s Primary Mortgage Market Survey (PMMS), the 30-year fixed-rate mortgage (FRM) averaged 4.20 percent for the week ending Jan. 5, down from last week when it averaged 4.32 percent. The 15-year FRM this week averaged 3.44 percent, down from last week when it averaged 3.55 percent. However, the 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.33 percent this week, up from last week when it averaged 3.30 percent.

    “This marks the first time since 2014 that mortgage rates opened the year above four percent,” said Sean Becketti, chief economist at Freddie Mac. “Despite this week's breather, the 66-basis point increase in the mortgage rate since Nov. 3 is taking its toll—the MBA's refinance index plunged 22 percent this week.”

    And speaking of the Mortgage Bankers Association, the trade group’s Mortgage Credit Availability Index (MCAI) saw a 0.6 percent uptick to 175.2 in December, with all four component indices on the rise: Jumbo MCAI (up 1.3 percent), Conventional MCAI (up 0.7 “Credit availability was up for the fourth consecutive month in December driven by jumbo loan programs as well as loan programs for borrowers with lower credit scores and low down payments,” said Lynn Fisher, MBA’s vice president of research and economics.

  • What the Fed Rate Hike Means for You

    So this is a fairly scary chart from a mortgage perspective. This chart shows the current projected increases in the federal funds rate over the next two years. If you are looking to purchase a home or possible refinance it is VERY IMPORTANT to understand what could be coming.

    HIGHER RATES ! They are currently projected to rise 2% by 2019. That means we could see mortgage rates back in the mid 5’s by 2019.

    It looks like the benefits of rates below 4% that we have enjoyed for the past four years is coming to end.

    Fed rate chart

  • Fed surprises with three rate hikes next year — and it could need to do more

    Patti Domm | @pattidomm

    The Fed surprised markets by forecasting three interest rate hikes next year, and that number could increase even more once President-elect Donald Trump takes office.

    The Fed Wednesday raised rates for the second time in 10 years, boosting their short-term interest rate target by a quarter point to 0.50 to 0.75 percent.

    In forecasts released after its meeting, Fed officials also indicated that they could hike the fed funds target rate three times next year, instead of the two quarter-point increases previously forecast for next year. They also raised the forecast for future years to three hikes in both 2018 and 2019.

    Stocks traded sharply lower, while yields snapped higher. The 2-year Treasury yield, the most sensitive to the Fed, shot to a seven-year high of 1.27 percent. The dollar index also spiked, jumping 1.2 percent to 102.24.

    "There's no mention of fiscal stimulus, so today's rate hike and the expectation for three next year — which is an increase of one hike — all reflects cumulative progress and expected progress against the dual mandate," said Ward McCarthy, chief financial economist at Jefferies.

    Fed Chair Janet Yellen, during her post-meeting press briefing, said that some Fed officials considered the the president-elect's proposals in their projections. The Fed's interest rate forecast is presented as a chart, or "dot-plot" reflecting the anonymous views of Fed officials on where interest rates are heading.

    "Some of the participants but not all of the participants did incorporate some assumptions of the change in fiscal policy into their projections," she said. "That may have been a factor that was one of several that occasioned these shifts."

    The Fed had been expected to act based on the economic data it has seen in recent months, and not the promise of tax cuts and fiscal stimulus proposed by the incoming presidential administration of Donald Trump. The Fed's mandates are controlling inflation, which has been stubbornly low, and reaching full employment.

    With November unemployment at 4.6 percent, the Fed is close to full employment. The Fed also mentioned in its statement that market expectations of inflation are rising.

    The Fed could also raise its outlook for rate hikes further, after it sees what specific actions Washington will take next year.

    "That's probably a reasonably good probability ... At this point they don't have enough information to change their perception of the outlook. However, I think that any changes of that nature would be in the second half of the year," said McCarthy. "The new president elect and the congress have to execute on the stimulus proposals, and as that happens, it will start to have ripple effects on growth and inflation forecasts."

    Lindsey Group analyst Peter Boockvar said the stock market was responding to the prospect of more rate hikes, just as it did a year ago when the Fed forecast four rate hikes for 2016.

    "I think the market is sniffing out the Fed is going to have to do what it didn't want to do. It's going to pick up the pace of rate hikes, and if they don't the market is going to do it for them," said Boockvar. "If they only do two to three, and the economy accelerates, and inflation picks up, the 10-year is going to 3 percent and the market is going to do it for them." The 10-year yield rose to 2.54 percent Wednesday afternoon.

    John Canally, LPL Financial economist and market strategist, said both the market expectations and the Fed's previous forecast had been pointing to two rate hikes for next year. He said that was the first time in a long time that the Fed and markets were in agreement, and now the market view has to shift.

    The Fed never raised rates as much as it forecast last year due to various events and market turmoil. Now, it has finally raised rates and even boosted its forecast.

    "It's sort of a nod to the Trump administration. He sort of hinted rates should be higher. It's also a nod the economy is doing better," said Canally.

    "The Fed says it will raise rates three times next year, and it may mean it this time," he said.


Learn More About

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Refinancing


Lowering your rate, consolidating debt, changing the term of your loan, etc. There are many reasons, and many programs for refinancing.

Choose to consult with experienced mortgage specialists who will focus on helping you, not selling you.


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Purchasing


Purchasing is both an exciting and stressful experience for many people. Choose ethical and experienced mortgage specialists who know how to make the financing portion as stress-free as possible.

GET PRE-APPROVED before you shop!

VA, FHA, Conventional & Jumbo purchase mortgages.



Endorsed by national financial & consumer advocates

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- Jordan E. Goodman, America's Money Answers Man and author of 13 best selling books on personal finance including Everyone's Money Book on Real Estate. (www.Moneyanswers.com)

"In the 30 years I have covered personal financial issues, the ArcLoan is the most innovative and consumer-oriented product I have ever seen. While most borrowers are suffering with mortgage payments that keep going up, ArcLoan borrowers aren't affected by rising rates and benefit when rates fall. In my case, my ArcLoan fell from the original rate of 7 3/4% to 3 3/4% in six steps over 3 years, and it will never rise from that level."



ArcLoan is a division of Service Savers, Inc.

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