Questions, answered.

Ark Beacon is an AI-guided mortgage concierge. Instead of filling out a long form, you have a short conversation, and we route your inquiry to the lending partners in our network best suited to your situation.

No. Ark Beacon is not a lender and does not make credit decisions. We connect borrowers with vetted lending partners who make their own underwriting decisions.

Most people finish in about 60 to 90 seconds. There are no long applications, uploads, or account creation steps to get matched.

No account is required to be matched. You simply answer a handful of questions and provide contact details so your matched lending partners can reach you.

Yes. There is no cost to talk to Ark Beacon or to be matched. We are compensated by our lending partners, not by borrowers.

If you provided an email address, we can send you a secure link to pick up right where you left off. Nothing is submitted to a lending partner until you complete the flow and consent.

Getting matched uses a soft credit inquiry only when needed. Soft inquiries do not affect your credit score and are not visible to other lenders.

Only later, and only with your permission, if you choose to move forward on a formal application with a lending partner. Ark Beacon never performs a hard pull.

There is no single cutoff. Different partners serve different credit profiles, including borrowers rebuilding credit. Conventional programs generally start around 620, while government-backed programs can go lower.

Yes. You can still be matched with partners who work with lower credit profiles, though the rates and terms offered will reflect the added risk.

No. Many people use Ark Beacon before pre-approval to understand their options. Your matched partner can then take you through formal pre-approval.

Yes. Several partners in our network specialize in self-employed and non-traditional income documentation, including bank-statement programs.

We route each inquiry to the best-matched partners in our network — typically one to a small handful — so you get real competition without a flood of calls.

Matching is based on the details you share: loan purpose, property location, approximate loan size, timeline, and credit profile. Partners that do not serve your scenario are filtered out.

Most matched borrowers hear from a lending partner within one business day, and often within a few hours during business hours.

Never. You are under no obligation at any point. If nothing fits, you walk away — no fees, no penalty.

Yes. Rates and your circumstances change. You can start a new conversation any time to be re-matched.

If we cannot find a suitable partner today, we will tell you rather than pass you around. You are welcome to return once your situation changes.

Our partner network covers all 50 states, though the specific partners available depend on where the property is located and the loan type.

Purchase mortgages, refinances, cash-out refinances, home equity loans, and HELOCs. Both conventional and government-backed programs are represented in the network.

Yes. Tell the concierge you are refinancing, and we will route your inquiry to partners that fit your current balance, home value, and goal — lower payment, shorter term, or cash out.

Yes. Several partners in the network offer both fixed-rate home equity loans and variable-rate lines of credit.

Yes. Partners in the network originate FHA, VA, and USDA loans in addition to conventional financing.

Absolutely. First-time buyers are a large share of the people we serve, and many partners offer low down payment programs.

Yes, though the available partners and terms differ from primary residences. Mention the property use during your conversation.

It depends on the program. Conventional loans can start around 3 percent down, FHA around 3.5 percent, and VA and USDA can allow zero down for eligible borrowers.

Yes. We use bank-grade 256-bit encryption in transit and at rest, and we limit access to your information internally.

The lending partners matched to your inquiry, and service providers that help us operate the platform. Our Privacy Policy describes the categories in detail.

Yes. Use our Do Not Sell or Share My Personal Information page and we will honor the request, including updating our records with our partners.

Every email includes an unsubscribe link at the bottom. One click stops future marketing messages.

You can ask any caller to place you on their internal do-not-call list, or contact us and we will note your request and pass it along.

We retain inquiry records for as long as needed to provide the service and to meet legal and recordkeeping obligations, then delete or de-identify them.

You are authorizing Ark Beacon and the lending partners disclosed on that page to contact you at the number and email you provided, including by autodialed calls and texts, and authorizing a soft credit inquiry. Consent is not a condition of purchase.

The initial conversation is handled by our AI concierge. Once you are matched, a licensed human loan officer from the partner takes over.

No. The AI gathers and organizes your information. All credit decisions are made by licensed lending partners.

You can correct it in plain language at any point in the conversation, and your matched loan officer will confirm the details before anything moves forward.

Yes. Use our contact page and a member of the team will reach out. The AI concierge is simply the fastest path to a match.