Engineered by us, driven by you

Low Rates. Legendary Service. Award-Winning Expertise.


Have you talked to Rachel?

We reimagined the way customer service is delivered, making it more human to form meaningful connections.

Created in Silicon Valley, and making waves in NYC: Rachel, the mortgage industry's first digital human.

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A true digital mortgage process

  • Start application/pre-approval
  • Calculate payments easily
  • Securely scan and upload documents
  • See your process
  • Get updates as you go

Download the app today on your smartphone

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Never miss a refinance opportunity

Refinancing your mortgage can be complicated and time-consuming. That's why we're here to help.

InstaRefi is a free, 24/7 digital rate monitoring service that instantly alerts you of opportunities to refinance. We do the work, so you don't have to.

Sign up now at

Our clients love us – and so will you.

Mala Patel2 days agoReview starReview starReview starReview starReview star

Andy Christian has been a long term agent for me and highly professional, knowledgeable and responsive agent. He explains the process clearly and makes the transaction process very smooth and complete in the time frame promised. My phone calls were answered even after hours which shows how dedicated he is to his clients. He went beyond he's duties to close our house within a month and i would highly recommend him to anyone. I really appreciate everything Andy did and look forward to contacting him for my next home purchase.

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Dale and Nancy Huss4 months agoReview starReview starReview starReview starReview star

Working with Allan Mack was the opposite of stressful; he was very personable and efficient. The whole loan process, from start to finish, took about 2 weeks. I'm very grateful to my financial advisor for recommending Allan. Dale

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thomas dangelo4 days agoReview starReview starReview starReview starReview star

I dealt with Andy Christian , numerous times , it has been nothing but a pleasure, he is responsive and keeps me well informed , every step of the way. He makes you feel like you are his only client. After refinancing years ago with Andy , he called me up a recently and advised me now would be a good time to refinance , well I did , and I’m now saving 300$ a month on my mortgage and it a dime out of pocket. If it wasn’t for Andy monitoring the market and contacting me , I would have still been at my old rate. I would recommend anyone looking for a new mortgage , first mortgage , or secondary home mortgage to reach out to Andy Christian. You will not be disappointed.

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AMRISH PATEL6 days agoReview starReview starReview starReview starReview star

me and wife just had our home re-financed with Arcus lending and it was a difficult process where Andy Christian who helped us is a very knowledgeable and honest broker who went beyond his way to assist us in the re-financing process. he is definitely someone you can rely on getting through the mortgage process, we highly recommend him.

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Arash Ahanchi4 weeks agoReview starReview starReview starReview starReview star

I’ve had wonderful experience with Arcus Lending. They know what they do. This company has hired true experts. They’re all Knowledgeable, supportive, and always available. I DEFINITELY recommend them to my friends and family. Hope to do business with you again.!

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Neeraj Goel2 months agoReview starReview starReview starReview starReview star

Arcus Lending not only provided me with the best rates but also provided really great service. They were very efficient and prompt in their support. I think I had to spend probably less than 5 hours in the whole end to end process which is a testament of the efficiency and transparency these guys worked. I was provided by the staff member Betty Pour and she was great. I would highly recommend them for your financing needs.

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Samantha Fernandeza month agoReview starReview starReview starReview starReview star

The Arcus Lending team was really a breeze to work with! They made the entire process as stress-free as possible. We worked closely with Oscar and he was on top of things. This is the second home purchase we have completed and this was a much better experience than we had before. Thank you Arcus team for making our home buying experience amazing! 🏡🤗🍾🎉

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Natalia Morris3 weeks agoReview starReview starReview starReview starReview star

It was a pleasure working with Raul at Arcus Lending. He helped us get a home loan when we didn't think we would be able to; we got an incredible rate, and after a year of searching, finally found a wonderful home. He made our dream of owning a home a reality. I would highly recommend choosing Arcus Lending for home loan needs.

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And the world is taking notice


Arcus was named to the coveted Inc 500 list of the nation's fastest-growing private companies in 2017. Within the mortgage industry, Arcus was named one of the Top 3 fastest growing companies in the country.


Arcus Lending was named to Mortgage Professional America's 2020 list of Top Mortgage Workplaces.


"Arcus Lending has launched Rachel, the mortgage industry's first digital human. She revolutionizes the online chatbot experience and supplements the work done by human employees.


"Immigrant to struggling broker to top originator. How one California mortgage pro is out to conquer the industry." From the National Mortgage Professional Magazine June 2020 Cover Story.

Meet our founder and CEO
Shashank Shekhar

An #1 best-selling author, Shashank Shekhar is widely regarded as America's Premier Mortgage Expert. He believes in making mortgages simple and jargon free for all homebuyers. He writes an award-winning mortgage blog and is regularly invited to contribute his expertise in leading publications such as Yahoo! News, FOX, Washington Post, and


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Three easy ways to get started

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