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About Us :

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

Unlike most mortgage websites we DO NOT sell your information to multiple companies. Our goal is to provide personal and experienced service from mortgage specialists with more than 10 years of experience. This is a significant benefit versus speaking to a call center or lead generator selling your information to multiple companies.


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

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Our Standards :

  • Provide current market analysis with objective, consumer based, current market response based upon honest quotes and current options.

  • Maintain a core standard of - “If we can help you, we hope to earn your business. If we cannot, we want to educate and point the way within our best ability.”

  • Provide honest, experienced advice to protect homeowners, and potential homeowners from industry “salespeople” who attempt to prey on consumer fears and lack of knowledge.



Our Mission Statement :

To 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.

Our History :

The ArcLoan Mortgage Management Program was created in 1993 by Joseph Kelly. Mr. Kelly has a unique blend of technical, marketing, sales and leadership experience. As a graduate of the University of Virginia with a degree in Aerospace Engineering (yes….a rocket scientist), he realized that the mortgage industry was lacking a critical component – consumer education.

From 1991 to 1996, he was ranked among the top 1% of loan officers in the United States. He has also managed a nationally based mortgage business model since 1998 focused on exceptional service and education.

In 2007, Mr. Kelly joined a nationally licensed, ethical, pro-consumer mortgage company. This allows ArcLoan to offer its mortgage management programs/products in all 50 states.

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ArcLoan is a division of Service Savers, Inc.

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