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 Patela month 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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Sheetal Kochhar2 days agoReview starReview starReview starReview starReview star

As a first time homebuyer, we had a great experience with Arcus lending team. They helped and guided us throughout the process and did our closing on time without any hiccups! I would highly recommend them.

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sridhar kosaraju4 days agoReview starReview starReview starReview starReview star

I had a great experience working with Arcus Lending for buying my first home Thank you Bianca for making this experience so wonderful. Thank you Shashank for offering best rates.

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thomas dangeloa month 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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Stephanie Marie2 weeks agoReview starReview starReview starReview starReview star

I had the pleasure of working with Derek Haley. He was the absolute best! I was introduced to him mid-march (ish) and by April 19th, we were shaking hands and signing papers. I'm the type of person who will communicate with you in an upfront, straight to the point manner because I don't really care for the polished professionalism. Derek mirrored the same mannerisms for me (respectfully), no runarounds, no beating around the bush, told me what I needed to do and when I needed it done by. This made it such an easy and painless process, if we hit a snag, we figured it out together. He kept me updated on everything along the way, answered every question and addressed every concern I had. As a first time buyer, I think that is really important and top notch professionalism if you ask me.

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Glenn Semiolia month agoReview starReview starReview starReview starReview star

I recently refinanced my mortgage with Arcus lending, I previously tried before using them and had nothing but problems. I dealt with Andy Christian he was very very helpful he answered every phone call, text, and email whenever I had a question. He was extremely knowledge and got me everything I was looking for when refinancing. I highly recommend using him when dealing with Arcus. He really made this process that could have been very stressful seem very pleasant.

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Drew par3 weeks agoReview starReview starReview starReview starReview star

I would like to thank loan officer Keith Bailey for helping me to eliminate my FHA loan with a Conventional. My credit is average at best and no other lender would do it. I took cash out to pay my credit cards off and dropped the PMI and am now saving over $600 a month.

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Vita Roth2 weeks agoReview starReview starReview starReview starReview star

Behzad Hamidi was so helpful with my transaction. He was professional the entire time, and went above and beyond in customer care. I am a Realtor from out of state and was hesitant with an out of state lender, but he communicated in a timely manner the entire time and took great lengths to insure a smooth transaction. Thank you for a job well done!!!

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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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