Action Residential Mortgage + Property Management (ARM+) is a small, family-owned, mortgage broker and property management business. Rich and Sandy Young opened their doors more than 25 years ago in 1994.
Sandy and Rich take pride in earning their clients’ trust by understanding their unique financial needs and goals. They live and work with integrity, and prove the value of their services with the savings in your pocket. This is the unique and defining difference of ARM+: our quality and personal approach to your loan financing is backed by numbers.
We’re not afraid to advise you against Refinancing if it doesn’t pencil. We believe that keeping your best interests in mind, even if it means turning down business for ourselves, is both the right thing to do and what ultimately gives us such an outstanding reputation in our industry. It’s why we have repeat clients that have worked with us for decades. We work for you.
If you have property in the Bay Area Peninsula that you need help managing, Sandy and Rich are certain they can help you. How, you ask? They can make you more money through proven value-enhancing and cost-savings techniques, and an extra layer of service. Our efforts turn into more income and less stress for you, and higher tenant satisfaction.
If you’re already one our clients, you already know how much you can trust us! If you’re not, we are happy to provide you with references. Just ask!
Whether your needs are for loan financing or property management, Action has the expertise, experience, and service you need and deserve
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154