A R Home Loans Direct, Inc. is a Mortgage Broker company servicing customers throughout California. We work with customers of any and all credit histories, and strive to assist our customers in reaching their financial goals.
With over 20 years experience in the Real Estate lending business, we believe that our knowledge, along with our superior customer service will allow us to become a benchmark in the real estate community.key handoff image
Every person is unique, and so is his or her present and future financial situation. At A R Home Loans Direct, Inc., we look at each application with that understanding. With hundreds of loan programs to choose from, our Loan Consultants research, match and customize your loan with your goals in mind.
Many homeowners think of their mortgage as a liability and a bill that has to be paid each month. We try to teach our customers that their mortgage should be looked at as an asset that can open many doors that might have otherwise been considered closed. Whether it be to start or further your retirement planning, college fund, or that home improvement you’ve always dreamed of, your mortgage can be the key to open those doors.
We greatly appreciate your business, and look forward to serving you, your family, and your friends in the future!
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