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About Us - We bring over 20 years of ethical mortgage lending and education to you.

Our team of mortgage specialists focus on helping you use unique mortgage strategies and programs to increase your savings and reduce your debt.

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Welcome to

Home of the Automatic Rate Cut Loan™ & the ArcLoan Mortgage Management Program™

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

Our goal is simple - to help homeowners and potential homeowners take advantage of interest rate cycles, and mortgage management techniques to help them increase savings and reduce debt.

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

Our professional Mortgage Educators are ready to provide you with a No Obligation mortgage analysis which could save you thousands of dollars!

Great News ! Mortgage Rates LOWEST Since May 2013 !
There Are Currently Great Strategies to SAVE

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30 yr. rates have fallen BELOW 4.0%! Rates are EXCELLENT from a historical perspective.

Take 10 minutes to
Contact Us for a quick "mortgage check-up" and see if you may benefit.

Rates for FHA & VA mortgages are even lower!

There are a number of ways you could be saving money on your current mortgage or when BUYING a new home !

There is GOOD NEWS to take advantage of which could help increase your savings & reduce your debt. Home values have been increasing in most areas allowing many homeowners to refinance!

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These Change - So please check back in periodically

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Do You Have an ARM or a 30 Yr. Fixed Rate OVER 4.25% ?

Mortgage rates are the lowest since May, 2013. But they likely won’t stay that way!
If your current rate is over 4.25% or you have an ARM :

You may be able to refinance for little to No Closing Costs (where the lender pays your closing costs) and benefit from significant savings. Or if you currently are in an ARM you may want to lock in a great fixed rate before rates rise higher.

Reducing your current rate by as little as 1/4% can save you TWO YEARS off the life of your loan!

Contact us for assistance in determining your potential savings.

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Do You Have an FHA Mortgage ?

If you do this January, 2015 Federal Announcement is Amazing News For You and could save you significantly for No Closing Costs!
Current Mortgage FHA?

If your current mortgage is an FHA mortgage there are BIG changes as of January, 2015 !
Also mortgage rates for a 30 yr. FHA average 1/4% lower than a Conventional mortgage.

Announcement - For all new 30 yr. FHA mortgages the maximum monthly MIP is based on a factor of .85%. In 2014 that factor was 1.35%. This announcement may allow anyone currently in an FHA mortgage to take advantage of the FHA Streamline program and significantly lower their mortgage insurance. Essentially this will save FHA borrowers 1/2% on their payments. This is the first DROP since 2009 in the FHA Insurance Premium rate.

If you have an FHA mortgage then it is important to know WHEN you last financed. That is because the MIP (Mortgage Insurance Premium) which is part of your monthly payment has gone up multiple times since 2009. But the GOOD NEWS is that on January 26th, 2015 the MIP rates are falling back to pre-2010 levels ! They are effectively falling .5% on 30 yr fixed rates.

Contact us for assistance in determining your potential savings.

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Do You Have an VA Mortgage ?

As a veteran, or active duty member of our Armed Forces, you are eligible to participate in possibly the greatest refinance available – the VA Refinance.
VA Rates are even LOWER than Conventional Mortgages !

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Do You Currently Pay Mortgage Insurance ?

Home values have gone up in most areas. You may be able to refinance and eliminate your mortgage insurance.
If you have mortgage insurance :

If you had less than 20% equity in your property the last time you financed then you have some form of Periodic Mortgage Insurance. (PMI or MI or MIP). You should see a line item on your mortgage statement telling you what you pay for this. Mortgage Insurance protects the lender in the even of a foreclosure.

If your property value has increased since you last financed then you may be able to lower, or eliminate, that costly mortgage insurance. Many areas of the country have seen significant increases in home value.


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    Loan Information

    This info will help us give you accurate information.

    Have a HELOC or 2nd Mortgage?

    To Determine HARP Eligibility

    Please provide your address as it appears on your mortgage

    In order for us to check with Freddie Mac please provide the last 4 digits of your social security number:

    Contact Information

    Check for accuracy!

This Weeks Average
National Mortgage Rates

(with Closing Costs -
Other Factors Apply)

Why Choose Us ?

Our Reputation:
Relationship Based
NOT One Time Sale Based

Our Endorsements:
Jordan Goodman
America’s Money Answers Man

Debbie Gregory - President

Our Lender:
Access National Mortgage
Direct “in-house” Lender
Not a Broker
Lending in all 50 states
Conventional, FHA, and VA
Wholly Owned Division of a Federally Chartered Bank

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- Jordan E. Goodman, America's Money Answers Man and author of 11 books on personal finance including Everyone's Money Book on Real Estate

"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."

Mortgages provided by the ArcLoan Division of Access National Mortgage - NMLS # 408540
Access National Mortgage is a Equal Opportunity Lender