Business Details
Your Trusted Mortgage Partner in California
Founded over two decades ago, Acurus Home Loans has been dedicated to helping Californians achieve homeownership through tailored mortgage solutions. Our team of experienced loan officers, with over 27 years of combined expertise, specializes in navigating complex loan programs to meet diverse client needs. We offer a comprehensive range of services, including purchase loans, refinancing options, and niche programs like Co-op mortgages, HELOC, and low FICO loans. Our commitment to transparency is evident in our user-friendly app, which keeps clients informed at every stage of the process. We prioritize competitive rates and closing costs while ensuring swift transaction closures.Backed by positive client testimonials, our reputation for integrity and professionalism continues to grow. Our mission remains focused on overcoming financial roadblocks and delivering personalized service. With NMLS accreditation and adherence to strict regulatory standards, we maintain trustworthiness in all operations. Our local market knowledge and dedication to customer satisfaction set us apart in the mortgage industry. We pride ourselves on prompt communication, detailed guidance, and a client-centric approach that prioritizes long-term relationships over short-term gains.
Services
Purchase Loans
Refinancing
Reverse Mortgages
HELOC
Co-op Mortgages
FHA Loans
VA Loans
USDA Loans
Bank Statement Loans
Jumbo Loans
Highlights and features
- We offer over 27 years of combined mortgage expertise.
- Specialized in niche programs like Co-op mortgages and HELOC.
- Provide low FICO and self-employed loan options.
- Utilize a user-friendly app for process transparency.
- Guarantee prompt, personalized customer support.
Associations and certifications
- NMLS
What people say
Smooth and transparent
Prompt response
Professional service
Cut above the rest
Dedication and integrity
Services
Purchase Loans
We provide tailored purchase loans for various property types, including single-family homes, condos, and manufactured housing. Our options include conventional, FHA, VA, and USDA programs. Clients benefit from competitive rates and expert guidance to secure financing that aligns with their financial goals.
Refinancing
Our refinancing solutions help clients reduce monthly payments, access cash, or adjust loan terms. Programs include conventional, FHA, VA, and reverse mortgages. We streamline the process to ensure minimal disruption and maximize savings for homeowners seeking improved financial flexibility.
Reverse Mortgages
Designed for seniors, reverse mortgages allow homeowners to convert equity into cash without selling. We offer FHA-insured HECM loans, ensuring compliance and security. This service provides financial freedom while maintaining property ownership, ideal for retirement planning.
HELOC
HELOCs offer flexible credit lines secured by home equity. Ideal for renovations or emergencies, our terms include competitive rates and draw periods up to 10 years. We simplify the application process, ensuring quick access to funds for urgent financial needs.
Co-op Mortgages
Specializing in Co-op mortgages, we assist buyers in purchasing shares in cooperative housing corporations. Our expertise navigates unique lending requirements, ensuring smooth transactions. This service caters to urban markets where co-op ownership is prevalent, offering tailored financing solutions.
People
Paul Sterling Arendsee
President
Paul Sterling Arendsee, President and NMLS-certified loan officer, brings decades of mortgage expertise. Known for exceptional client service, he ensures seamless loan processes and transparent communication. His dedication to integrity and efficiency has earned consistent client praise.
Sean Stecker
Loan Officer
Sean Stecker, a licensed loan officer, specializes in guiding clients through mortgage options. With NMLS certification, he provides personalized advice and supports smooth transactions. His focus on client education and satisfaction makes him a trusted advisor in home financing.
Questions
When should I consider refinancing my mortgage?
Refinance when rates drop at least 1-2% below your current rate to reduce payments. It's also ideal for accessing equity, shortening loan terms, or consolidating debt.
What are mortgage points and should I pay them?
Points are upfront fees to lower interest rates. Pay them if you'll stay in the home long enough to recoup costs through reduced monthly payments.
What documents are required for a mortgage application?
Provide income proof (pay stubs, tax returns), asset statements, ID, and property details. Self-employed applicants need additional financial documentation.
How does credit score affect mortgage approval?
Higher scores secure better rates and terms. Lenders assess payment history, debt ratios, and credit age. Scores as low as 500 may qualify for certain programs.
What is an APR and why is it important?
APR reflects the loan's total cost, including interest and fees. It helps compare offers by showing the true annual expense of the mortgage.
Can I get a mortgage with a low down payment?
Yes. FHA loans require 3.5%, VA and USDA loans offer 0% down options. Low down payment programs help buyers with limited savings.
