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ARC has a variety of mortgage loans to meet your needs. With terms up to 30 years and great down payment alternatives, we can provide you with plenty of options to suit your budget. We’re here to make your home buying or refinancing experience as easy and effortless as possible while keeping your financial well being and goals in mind.

Purchase

Buying a home is one of life’s most exciting experiences. Home ownership provides a sense of pride and satisfaction in knowing you finally have your own corner of the world. But most homeowners will attest that buying a home can often be a confusing and tension-producing ordeal.

At ARC we realize the excitement and anxiety related with a home purchase. We’re here to ease the process and to give you practical and sensible alternatives for making your home buying experience as comfortable as possible. A trained mortgage professional will be here to provide you with information and assistance every step of the way.

Before you begin making plans to buy your home, there are a few things you should consider:

• Do you have enough down payment?
• Can you afford the monthly payment?
• Can you qualify for the mortgage?

At ARC we can help you answer these questions. Our mortgage professionals are trained to get you the answers you’ll need to begin your home buying process.

Get Pre-Qualified First...

Before you negotiate your sale, get a pre-qualification from ARC. Many realtors find that a mortgage pre-qualification makes you a stronger buyer, and it will often give you more negotiating power when you make your offer. Call 814-946-0857 opt 4

Refinance

People refinance their homes for a number of different reasons. However, for the most part these reasons are to a increase or decrease their monthly mortgage obligation by condensing or extending the loan term. No matter what your reasons are, ARC has taken steps to make sure your mortgage refinancing is simple and fast.

Are you ready to refinance?

There are some considerations that have to be made.

• You should ask yourself why you are refinancing.
• Does it meet your financial goals?
• What will it cost you to refinance?
• Will the money you save from refinancing justify your up-front costs?

Home Equity Line-of-Credit (HELOC)

Here are some benefits of our Home Equity Line of Credit program:

• Interest may be tax deductible (consult your tax advisor)
• Borrow up to 90% of the value of your home
• Advance money only when you need it
• No minimum advances
• No balance = No payment
• You can use this money for vacation, college education, purchasing an automobile, paying off credit cards, home improvements, or just about anything you can buy.
• Use online banking to immediately transfer money from your line-of-credit into a ARC account.
• Can use this as an overdraft protection account.
• Click Here for our current HELOC rate.

These are just some of the reasons a Home Equity Line of Credit would be great for you. Call in and speak to one of our Lending Specialists for more details or start the application by phone 814-946-0857 opt 4. We are looking forward to your call.