Arcstone Financial Mortgage Refinance
Arcstone Financial Mortgage Refinance
in Mortgage Refinance from Arcstone Financial Inc. · NMLS ID #344236

Arcstone Financial Mortgage Refinance

in Mortgage Refinance from Arcstone Financial Inc. · NMLS ID #344236
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Loan Amount $75,000 - $5,000,000
Loan Term (Years) 30 - 40 years

Arcstone Financial Mortgage Refinance Review

Arcstone Financial Mortgage Refinance 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

  • No origination fee. Arcstone Financial Mortgage Refinance does not charge a fee for processing your application on some loan options.
  • 6 different mortgage programs offered. Arcstone Financial Mortgage Refinance refinances FHA, FHA 203k, HomePath, USDA, VA, jumbo, conforming, and conventional mortgages.
  • Financing for a variety of property types. Offers refinancing 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 Mortgage Refinance.
  • Non-standard interest rates available. Arcstone Financial Mortgage Refinance offers option ARM mortgages, adjustable-rate mortgages, hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Fast process. In some cases you can refinance your mortgage loan within 7 business days.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Arcstone Financial Mortgage Refinance.
  • 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 Mortgage Refinance offers mortgage terms of up to 40 years. Most mortgage refinancing loans have a maximum term of 30 years.

Arcstone Financial Mortgage Refinance Pros & Cons

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

Arcstone Financial Mortgage Refinance FAQ

What range of mortgage balances will Arcstone Financial refinance?

Mortgage refinancing loans start at $75,000 and go up to $5,000,000

What is the maximum loan term for a mortgage refinance via Arcstone Financial?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Arcstone Financial Mortgage Refinance offers mortgage refinancing with terms ranging from 30 to 40 years.

How long does Arcstone Financial take to refinance?

Arcstone Financial does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Arcstone Financial charge a mortgage origination fee?

No, Arcstone Financial Mortgage Refinance 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 mortgage programs does Arcstone Financial offer?

Arcstone Financial Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. 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: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: 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.

What property usage types does Arcstone Financial allow?

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

  • Primary home
  • Secondary homes and vacation properties
Arcstone Financial Mortgage Refinance 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
Credit Score Range 500 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
  • Non-Residents Through Entities Incorporated in the U.S.
  • U.S. Temporary Resident Visa Holders
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Property Type
  • Single Family Home
  • Townhome
  • Multi-Family Home
  • Manufactured/Mobile Home
Verification Documents Required
  • Recent Bank Statements
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 Term 30 - 40 years
Loan Amount $75,000 - $5,000,000
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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