Arcstone Financial Inc.

Mortgage Lender serving Los Angeles, CA

About Arcstone Financial Inc.

Arcstone Financial is a national home loan and refinance lender, based out of Los Angeles, California. As a licensed corporation by the Department of Real Estate, Arcstone Financial prides itself on offering a diverse range of flexible mortgage options designed to cater to various borrower needs, including those often overlooked by traditional lenders. They emphasize a 'No Robots. Just People.' approach, ensuring personalized service and support throughout the mortgage process.

The lender distinguishes itself through its innovative 'Accessible Mortgage Programs' (AMP) suite, which includes specialized offerings like Bank Statement Loans, Profit and Loss Loans, Asset Loans, Cashflow Loans, and ITIN Loans. This focus allows them to assist self-employed individuals, investors, and foreign nationals who may face challenges securing financing elsewhere. Arcstone Financial aims to provide zero hassle and zero stress, offering customized pre-approval letters to help clients make offers quickly in competitive markets.

Arcstone Financial operates with a commitment to being available to clients 24/7 via call, text, or email, demonstrating their dedication to client support. Their product offerings span residential and commercial lending, including conventional, FHA, VA, Jumbo, Reverse Mortgages, Second Mortgages, and a variety of commercial real estate financing solutions for diverse property types and business needs. They are an Equal Opportunity Housing lender, holding NMLS# 344236.

Company Information

Lender Type: Direct Lender
Headquarters: Los Angeles, CA

Licensed In

ALL

Certifications & Credentials

NMLS LicensedCalifornia Department of Real Estate Licensed

Digital Capabilities

Online Application
Rate Calculator
Pre-Qualification Tool
E-Signature

Home Loan Products

Fixed Rate Home Loans

Loan Types:
ConventionalRefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-op
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

Adjustable Rate Home Loans

Loan Types:
ConventionalRefinance
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-op
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

FHA Loans

Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)

VA Loans

Loan Types:
VA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)

Interest Only Home Loans

Loan Types:
Interest-OnlyConventional
Rate Types:
Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

Jumbo Loans

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Excellent (740+)

Reverse Mortgage

Loan Types:
Reverse MortgageHome Equity Loan
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
Retired

Bridge Loans

Loan Types:
Bridge
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
Renovation Loan

Second Mortgage Loans

Loan Types:
Second MortgageHome Equity Loan
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full DocumentationBank Statement
Credit Tiers:
Good (680-739)Excellent (740+)
660
Min Credit Score

AMP Bank Statement Loans

Loan Types:
Bank StatementNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Bank Statement ProgramSelf-Employed Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)

AMP Profit and Loss Loans

Loan Types:
Non-QM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Stated Income
Special Programs:
Self-Employed Program

AMP Asset Loans

Loan Types:
Non-QMAsset Depletion
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
RetiredInvestor
Income Verification:
Asset Depletion
Special Programs:
Asset Depletion Program

AMP Cashflow Loans

Loan Types:
Non-QMDSCR
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Special Programs:
Self-Employed Program

AMPOSSIBLE ITIN Loans

Loan Types:
Non-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Income Verification:
Bank StatementFull Documentation
Special Programs:
ITIN Program
Credit Tiers:
Fair (620-679)

Buy Before You Sell Home Loans

Loan Types:
Bridge
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence

Commercial Loan Products

Multi-Family / Apartment Loans

Loan Types:
Conventional CRE
Property Types:
Multifamily (5+ units)

Commercial Investment Loans

Loan Types:
Conventional CRE
Property Types:
Industrial/WarehouseMixed-UseRetailOfficeHospitality
Industry Focus:
Restaurants

Zoned Investment Residential Loans

Loan Types:
Conventional CREBridge LoanHard Money LoanCommercial Refinance
Property Types:
Multifamily (5+ units)Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcareManufacturingMultifamily (5+ units)

Commercial Residential No Income / No Doc Loans

Loan Types:
Conventional CREBridge LoanHard Money LoanCommercial Refinance
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcareManufacturing

Commercial Conventional Real Estate Owner-User

Loan Types:
Conventional CRE
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcareManufacturing

Commercial SBA Real Estate Owner-User

Loan Types:
SBA 7(a)
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcareManufacturing

Contact Information

Professional Licenses

NMLS ID: 344236
1917 Hillhurst Ave UNIT 203
Los Angeles, CA 90027
US
Mailing Address:
1917 Hillhurst Ave., Suite 203 Los Angeles, CA 90027

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Business Information

Category: Mortgage Lender
Location: Los Angeles, CA
Status: Standard
Type: Direct Lender
NMLS ID: 344236
Profile Views: 9

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