Arcstone Financial Mortgages
Arcstone Financial Mortgages
in Home Mortgage Loans from Arcstone Financial Inc. · NMLS ID #344236

Arcstone Financial Mortgages

in Home Mortgage Loans from Arcstone Financial Inc. · NMLS ID #344236
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Loan Amount $75,000 - $5,000,000
Loan Term (Years) 30 - 40 years
Credit Score Range 500 - 850
No Origination Fee

Arcstone Financial Mortgages Review

Arcstone Financial Mortgages is offered by Arcstone Financial (NMLS #344236), a direct lender founded in 2004 and based in Los Angeles, CA. Arcstone Financial are available in 5 states across the USA.

Key Takeaways

  • 6 different mortgage programs offered. Arcstone Financial Mortgages offers FHA, FHA 203k, HomePath, USDA, VA, jumbo, conforming, and conventional mortgages.
  • Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
  • Refinancing for large mortgages. You can refinance mortgages with balances of up to $5,000,000 with Arcstone Financial Mortgages.
  • Non-standard interest rates available. Arcstone Financial Mortgages offers option ARM mortgages, adjustable-rate mortgages, hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. 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 fee. Arcstone Financial Mortgages does not charge a fee for processing your application on some loan options.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Arcstone Financial Mortgages.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered.
  • Long loan terms. Arcstone Financial Mortgages offers mortgage terms of up to 40 years. Most mortgage refinancing loans have a maximum term of 30 years.

Arcstone Financial Mortgages Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Offers financing for single family, multi-family, and manufactured homes.
  • Only available in 5 states.

Arcstone Financial FAQ

How much can you borrow via Arcstone Financial Inc.?

Arcstone Financial allows borrowers to apply for loan amounts of up to $5,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with Arcstone Financial?

Arcstone Financial offers mortgages with terms ranging from 30 to 40 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does Arcstone Financial Inc. offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Arcstone Financial offers home loans with APRs starting at 6.125% and up to 9.875%.

What is the estimated funding time?

Arcstone Financial will typically approve (or deny) a mortgage application within 24 hours and fund mortgages within 7 and 10 days of approval.

Do they charge mortgage origination fees?

No, Arcstone Financial 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.

Does Arcstone Financial charge prepayment fees?

No, Arcstone Financial does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs are available?

Besides conventional mortgages, Arcstone Financial offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • HomePath: Financing for the purchase and improvement of properties owned by Fannie Mae.
  • Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency ($726,000 as of 2023).
  • USDA loans: A zero down payment mortgage loan with low mortgage rates for suburban and rural homebuyers. The USDA doesn't require a minimum credit score, but most mortgage lenders require a minimum credit score of 640.
  • VA loans: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses. VA loans offer competitive mortgage rates, and don't have a minimum credit score. However, the mortgage lenders that offer them will typically require a credit score of at least 640.

What property usage types does Arcstone Financial allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Arcstone Financial allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
  • Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for Arcstone Financial Mortgages is (323) 665-5000.

What is the support contact email?

The support contact email for is

Arcstone Financial Mortgages 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.
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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

Arcstone Financial Inc., established in 2004, operates beyond the boundaries of Los Angeles, serving several states with our exemplary mortgage banking services. We're focused on enhancing financial growth and facilitating home ownership, especially for first-time buyers and in underserved markets. Our portfolio includes innovative and competitive products, defined by reasonable rates and fees, contributing to increased affordability. We stand out with our boutique-style services, marked by stellar communication, insightful education, and absolute transparency. Choose Arcstone for a superior, customer-centric mortgage experience.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Arcstone Financial Inc.


  Available in 5 states
  • California
  • Colorado
  • Florida
  • Georgia
  • Texas

Feature Breakdown

Late Fee Grace Period 15 days
No Origination Fee
No Prepayment Fee
(Verified 06/28/2023)
Credit Score Range 500 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Minimum Age 18
Property Type
  • Single Family Home
  • Townhome
  • Multi-Family Home
  • Manufactured/Mobile Home
Verification Documents Required
  • Recent Bank Statements
Primary Residence
Approval Speed 24 hours
Funding Time Range 7 - 10 days
Mortgage Features
  • Cash-Out Refinance
  • Flexible Payments
APR 6.125% - 9.875%
(Verified 08/04/2023)
Loan Amount $75,000 - $5,000,000
Loan Term 30 - 40 years
Interest Rate Types Offered
  • Hybrid Mortgage
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
  • Option ARM
Mortgage Programs
  • FHA
  • FHA 203k
  • HomePath
  • USDA
  • VA
  • Jumbo

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