Loan Ark Inc.

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Mortgage at the Speed of AI. Purchase, refinance & jumbo financing. Licensed in AZ, CA, CO, FL, GA, ID, TN, TX, UT & WA. NMLS 2693461. Equal Housing Lender.

10/28/2026

Mortgage at the speed of AI. With real people.

Apply from your phone, and our tech takes care of a lot of the back-and-forth (like verifying your income and assets). And you're backed by real people the whole way.

Buying, refinancing, tapping your home's equity or self-employed, we'd love to help. Start at loanark.com or send us a message.

Co-founders Jared Price and Don Stolan

Jared Price · NMLS 957754 · CA DRE 02116452
Don Stolan · NMLS 237541 · CA DRE 01323073
Loan Ark Inc. · NMLS 2693461 · Real Estate Broker, CA Department of Real Estate, Lic. 02305762 · 800-714-2324 · loanark.com · Equal Housing Lender

10/27/2026

Your savings now count as income.

Freddie Mac just changed the rules for people with money in the bank but not much of a paycheck. Your savings, investment and retirement accounts can now be counted as monthly income to help you qualify for a home loan.

A few things to know:
• The same savings now count for about a third more income than under the old rule
• You don't have to be retired or a certain age to use your savings and investments
• It works for the home you live in, a second home or a rental
• It's for buying a home or refinancing without taking cash out
• At least $30,000 has to stay in your accounts after closing

If you've been told your income is too low to qualify, it's worth another look. Send us a message or reach out to Don Stolan and we'll run the numbers with you.

Don Stolan · NMLS 237541 · CA DRE 01323073
Loan Ark Inc. · NMLS 2693461 · Real Estate Broker, CA Department of Real Estate, Lic. 02305762 · 800-714-2324 · loanark.com · Equal Housing Lender
Not all borrowers will qualify. Loans are subject to borrower and property approval. This is not a commitment to lend. Source: Freddie Mac Guide Bulletin 2026-10.

10/22/2026

We started months before the house hunt.

Long before these buyers looked at a single listing, we sat down with them on their credit and built a plan to pay down debt, so they'd be in the best spot possible when it was time to buy. The plan worked, and their loan funded on a home in Norco.

Thank you to Raj Qsar for sending them our way and getting them home, and to Don Stolan for running the loan.

Thinking about buying next year? It's a good time to start. Message us and we'll help you map out your plan.

Don Stolan · NMLS 237541 · CA DRE 01323073
Raj Qsar · CA DRE 01744847 · The Boutique Real Estate Group Inc
Loan Ark Inc. · NMLS 2693461 · Real Estate Broker, CA Department of Real Estate, Lic. 02305762 · 800-714-2324 · loanark.com · Equal Housing Lender

10/20/2026

Own a condo? Here's a quick thing to check before January 4.

Every HOA keeps savings for big repairs, like a new roof. Starting January 4, the companies behind the most common home loans (Fannie Mae and Freddie Mac) want that savings to be at least $15 of every $100 in HOA dues. Right now it's $10.

If your HOA saves less than that, it can be harder for buyers to get a loan in your building, and some refinances get harder too. Smaller buildings (10 units or fewer that aren't part of a bigger complex) and detached condos generally aren't affected.

To check yours, ask your HOA or management company for this year's budget and compare the savings line to the total. Thinking about selling or refinancing next year? Send us a message or reach out to Don Stolan . If you apply before January 4, today's rule still applies.

Don Stolan · NMLS 237541 · CA DRE 01323073
Loan Ark Inc. · NMLS 2693461 · Real Estate Broker, CA Department of Real Estate, Lic. 02305762 · 800-714-2324 · loanark.com · Equal Housing Lender
Loans are subject to borrower and property approval. This is not a commitment to lend. Source: Fannie Mae Lender Letter LL-2026-03 (March 18, 2026).

10/15/2026

Third escrow. Keys in hand.

This buyer was in escrow on two other homes before this one. Condo eligibility problems and inspection findings ended both of them. We hung in there with them, and the third one just funded in Mission Viejo.

Big thanks to Chris Lardie for sticking with it through all three, and to Jared Price for running the loan.

Shopping for a condo? Send us the building before you write the offer and we'll tell you how the financing looks.

Jared Price · NMLS 957754 · CA DRE 02116452
Chris Lardie · CA DRE 01929117 · HomeSmart, Evergreen Realty
Loan Ark Inc. · NMLS 2693461 · Real Estate Broker, CA Department of Real Estate, Lic. 02305762 · 800-714-2324 · loanark.com · Equal Housing Lender

10/08/2026

Just funded in Fontana!

Our buyer came to us after getting lost in a big bank's system. He was ready to move up, but he had plenty of questions and few answers, and he wasn't sure the move was within reach.

Don and our team answered every one of them, from how pre-approval works to what happens at closing. When he needed more buying power, we added his mom to the loan as a co-borrower. Once he found the right condo, his pre-approval letter was in his agent's hands within the hour, and his offer was accepted two days later. We also used part of the seller's credit to buy down his rate, so his payment starts lower in the early years.

He closed on October 5, and his loan funded and recorded the same day.

Tim Kell, thank you for trusting us with another one of your buyers. Congrats to our buyer on the new home!

Thinking about moving up and not sure where to start? Send us a message. We'll answer every question.

Mortgage Advisor:

Loan Ark Inc. NMLS 2693461 · CA DRE 02305762 · Don Stolan NMLS 237541 · Tim Kell CA DRE 01413856 · Equal Housing Lender

10/07/2026

Reverse mortgages have a reputation problem, and most of it comes from myths. Swipe for five of them.

If you're over 62, you may be sitting on a ton of equity while everything else keeps getting more expensive. A reverse mortgage can turn some of that equity into cash, or help you buy your next home, with no required monthly mortgage payment. You still pay property taxes, homeowners insurance and upkeep.

It's a loan, not free money. The balance grows over time, which is part of why HUD-approved counseling comes first. Used wisely, it can be a really helpful tool.

Questions? Send us a message or call 800-714-2324.

Loan Ark Inc. NMLS 2693461 · CA DRE 02305762 · Equal Housing Lender
Not affiliated with or acting on behalf of HUD, FHA or any government agency. FHA-insured HECMs require at least one borrower 62 or older, the home as a primary residence, and HUD-approved counseling. Borrowers must keep paying property taxes, insurance, HOA dues and maintenance or the loan can become due. Interest and fees add to the balance over time. Heirs who keep the home pay the lesser of the loan balance or 95% of its appraised value. The HECM limit shown is FHA's 2026 maximum claim amount. Jumbo reverse mortgages are not FHA-insured and have their own terms. Proceeds can affect SSI and Medicaid eligibility. Educational content, not tax, legal or benefits advice or a commitment to lend. Subject to credit approval and program eligibility.

10/06/2026

Just funded in Long Beach!

This one was worth the wait. Our buyer got pre-approved with us back in January, and kept the search going until the right condo came along in June. We refreshed the approval along the way so they were ready to go when it did.

Condos come with a little extra homework on the HOA side, and our team took care of all of it. Keys in July!

Jen, thank you for trusting us with your buyer and for being such a pro the whole way through. Congrats to our buyer on the new place!

Thinking about buying in Long Beach? Send us a message and we'll get you ready before you find the one.

Loan officer:

Loan Ark Inc. NMLS 2693461 · CA DRE 02305762 · Jared Price NMLS 957754 · Jennifer Boyd CA DRE 01958537 · Equal Housing Lender

10/01/2026

This one was a doozy, and it funded!

A returning client (we've financed a home for them before) came back to us to buy this fixer in Fontana, and they're planning to flip it.

The appraisal came back with a long list of repairs and cleanup that had to be done before we could close. Once the work was done and the re-inspection cleared, we got it funded.

On the income side, they're self-employed with two businesses, so we went with a non-QM loan and underwrote both businesses off their bank statements. Our team went the extra mile on this one.

Slide 2 is the plan (it's a concept rendering, and the real after photos come once the rehab is done).

Flipping houses, or thinking about your first fixer? We do investor loans too, fix and flip included, and we're pretty comfortable with files that aren't simple. Send us a message and we'll take a look with you.

Jared Price () · Sr. Mortgage Advisor · Loan Ark Inc.

Loan Ark Inc. NMLS 2693461 · Jared Price NMLS 957754 · CA DRE 02305762 · Equal Housing Lender
Slide 2 is a concept rendering of the planned renovation, not a photo of finished work. Non-QM and investment property loans have different qualifying requirements than conventional financing. Not a commitment to lend. All credit is subject to approval.

09/29/2026

The down payment help in California is a second loan. That is the part nobody explains.

Here is how it actually works. You take a CalHFA first mortgage, and MyHome adds a deferred junior loan behind it for the down payment and closing costs. You make a payment on the first one. The junior loan sits there quietly until you sell or refinance, and that is when it gets paid back.

What it takes:

1. First-time buyer. No ownership interest in a home in the last three years.
2. You live there. Primary residence, one unit, and condos and PUDs can work.
3. The class. An eight hour homebuyer education course, certificate and all.
4. The limits. Income and sales price caps set by CalHFA, different in every county. They have already been revised twice this year, so the number you heard in the spring may not be the number today.

And about Dream For All, the one you keep seeing ads for: CalHFA stopped taking applications in March and the last voucher round went out in May. The ads are still running anyway. MyHome is the one that is open right now. If Dream For All comes back, we will say so.

The honest part is that this is help, not free money. The junior loan gets paid back. The county caps are real, and plenty of Southern California prices sit above them. Assistance also depends on funding and program availability, and both of those change.

If you want to know whether you fit, send us a message or call 800-714-2324 and we will run your numbers and tell you straight.

Loan Ark Inc. NMLS 2693461 · CA DRE 02305762 · Equal Housing Lender
CalHFA and MyHome are programs of the California Housing Finance Agency. Loan Ark Inc. is not acting on behalf of or at the direction of CalHFA or any government agency. Program terms, income limits and sales price limits are set by CalHFA, vary by county and program, and are subject to change and to funding availability. Educational content, not a commitment to lend. All loans subject to credit approval and program eligibility.

Address

485 E 17th Street Ste 502
Costa Mesa, CA
92627

Telephone

+19496270772

Website

https://www.loanark.com/

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