The Arch
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The Arch
The Arch Corporation is a unique full-service private money broker and lender. We can connect you with a wide variety of competitive financing products which you can use to purchase a home, multi-family units, office buildings, hotels and industrial properties. We finance ground-up construction projects in most states Nationwide. We underwrite all files within just 24 hours so you can close fast and never miss an opportunity.

We also provide residential and commercial sales and leasing services and investment financing. With our broad spectrum of real estate and mortgage services, our competitive rates & fees, we are your one-stop shop in California for all your financing needs. Applying for financing through the traditional loan process can be lengthy and complicated.

Our alternative loan process is fast and easy, and we guarantee your file will be underwritten in 24 hours or less. In many cases, we can issue same-day approval. We provide direct lending and broker services. This allows us to connect you with the most affordable and flexible loan for your requirements.
Services
We focus on funding equity-based deals rapidly through financing structures which are customized to your needs.
Today's rigid conventional underwriting guidelines obstruct many private and commercial borrowers from obtaining the fast financing they need to complete real estate transactions in a timely manner.
While working for major banks, lenders, and real estate firms, we realized that there were significant financing gaps which were not being addressed through the traditional loan process.
Since 1988, our vision has been to remove those conventional barriers and offer borrowers a vital source of investment capital.
Conventional loans are also known as "conforming loans."
A conventional loan is an appropriate option when borrowing less than the limit set by Fannie Mae and Freddie Mac.
FHA loans are insured by the Federal Housing Administration (FHA).
Their advantages include down payments as low as 3.5%, affordable interest rates, and flexible qualification requirements.
They are available to first time and repeat homebuyers.
VA loans are insured by the Department of Veterans Affairs (VA).
Benefits include zero down payment, no PMI, affordable interest rates, and flexible qualification criteria.
At the Arch Corporation, our focus is on opening doors and removing barriers to financing.
Because hard money loans often are used for short-term investment financing, you may be approved for a long which does not include penalties for prepayment.
Borrowers who are not eligible for a prime loan may instead be approved for a hard money loan.
If a low credit score is the reason why a borrower does not qualify for a prime mortgage, applying for a hard money loan instead and paying it off successfully can be an effective method for raising credit.
When you are applying for a loan, one of the first things you will need to consider is whether the amount you need to borrow is above or below the conventional loan limits established by Fannie Mae and Freddie Mac.
So long as the financing that you need does not exceed those limits, you should be able to take out a conventional loan.
This type of loan also can be referred to as a "conforming loan."
To borrow a larger sum, you will need to look into a jumbo mortgage in California instead.
Conforming loan limits are set by county rather than by state.
At the Arch Corporation, we specialize in ensuring that everyone has the chance to apply successfully for the financing they need, whether or not they have a tax returns and W2.
In some cases, you do not even need to us a bank statement.
We make it possible for you to apply for a mortgage quickly, easily, and without unnecessary paperwork through our stated income residential loan program.
When you apply for a loan through the traditional process, you typically are asked to provide a W-2 or other tax forms.
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