Is Arcstone Financial Home Equity Loans the right fit for you?
Last Updated: 04/18/2025
Arcstone Financial Home Equity Loans
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NMLS ID #344236
Last Updated: 04/18/2025
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Highlights
Credit Score Range
660 - 850
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Amount Range
$25,000 - $500,000
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Maximum LTV
89.99%
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Loan Term (Years)
30 - 40
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Arcstone Financial Home Equity Loans Review
Arcstone Financial Home Equity Loans is offered by Arcstone Financial Inc. (NMLS #344236), a direct lender founded in 2004 and based in Los Angeles, CA. Arcstone Financial Home Equity Loans are available in 5 states.
Key Takeaways
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Fast process. In some cases you can close on your home loan within 7 business days.
- No origination fees. Arcstone Financial Home Equity Loans does not charge fees for processing your application.
- High maximum LTV ratio. Arcstone Financial Home Equity Loans has a maximum loan to value ratio of 89.99%.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Arcstone Financial Home Equity Loans.
- Fair credit accepted. Borrowers with a credit score as low as 660 may qualify for Arcstone Financial Home Equity Loans.
- Long loan terms. Arcstone Financial Home Equity Loans offers mortgage terms of up to 40 years. Most mortgage refinancing loans have a maximum term of 30 years.
- High maximum DTI ratio. Arcstone Financial Home Equity Loans requires a debt-to-income ratio of less than 50%. This ratio includes all your monthly debts, not just your proposed mortgage payment. Typically, lenders have a maximum DTI of 43% or lower.
Arcstone Financial Home Equity Loans Pros & Cons
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Arcstone Financial Home Equity Loans FAQ
How much can you borrow with a Arcstone Financial Home Equity Loans home equity loan?
A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.
Arcstone Financial Home Equity Loans allows borrowers to apply for home equity loans of up to $500,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.
What are the home equity loan requirements of Arcstone Financial Home Equity Loans
This lender's maximum loan to value rate is 89.99%. That means the total debt secured by the property cannot exceed 89.99% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $69.99k.
What are the terms for a home equity loan via Arcstone Financial Home Equity Loans?
Arcstone Financial Home Equity Loans offers home equity loans with terms 10 years .
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate. However, Arcstone Financial Home Equity Loans does not charge an origination fee.
What is the estimated funding time for a home loan via Arcstone Financial Home Equity Loans?
Arcstone Financial Home Equity Loans will typically fund home equity loans within 7 to 10 days of approval.
What fees does Arcstone Financial Home Equity Loans charge for a home equity loan?
Good news. Arcstone Financial Home Equity Loans does not charge a mortgage origination fee.
Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
What types of property can you use as security for a home equity loan with Arcstone Financial Home Equity Loans?
Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. Arcstone Financial Home Equity Loans will consider loans secured by the following property types:
- Primary home.
- Secondary homes and vacation properties.
- Investment properties and house flipping projects.
Is Arcstone Financial a legit company?
Arcstone Financial was founded in 2004, it is a well-established company that has been in business for 22 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Provider Disclosure: Equal Opportunity Housing. Arcstone Financial Inc. is a California Corporation licensed by the Department of Real Estate, License #01468445, NMLS# 344236. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All rates, fees, and programs are subject to change and/or withdrawal from the lending practices without notice. Eligibility can vary based on meeting minimum credit score/tradeline, documentation, Loan to Value, and occupancy. Ask to speak with a home loan consultant for a pre-qualification/pre-approval or an approval.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Arcstone Financial Home Equity Loans
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Arcstone Financial Inc.
Home Equity Lines of Credit
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Home Mortgage Loans
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Reverse Mortgages
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Mortgage Refinance
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Availability
Available in 5 states.
- California
- Colorado
- Florida
- Georgia
- Texas
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