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.

Say hi at

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

  • apple-app-img
  • google-app-img

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.


We are so happy we got the chance to work with Keith Bailey once again, this time for our refinancing needs. Keith is the only person we would trust to search for the best rate and make sure we are linked up with the best mortgage company. He is also easy to talk to, happy to answer our questions and incredibly friendly. It feels like a close friend or family member is helping us out when we work with him. Thanks to Keith we have quite a bit more money in our pockets which helps during the holidays and one of the best mortgage rates available, which will save us a chunk of change over the lifetime of our mortgage. For anyone looking for a lender, we can't recommend Keith enough. He will take care of you and make it all seem easy.

Read more

Thank you team for helping me with buying my first home. I appreciate all your team effort. A special Thank you to Andy Christian for being on top of things and staying so organized. This is the happiest part of my life. I fall in love with the house all over again when every i am there and it was not possible without your team effort so thanks again and Good Luck in full filling other peoples dream. GREAT JOB 😊

Read more

From the abysmal depth of my heart I say thanks to Raul and his team (Bianca and Erwin), and my Realtor (Francis Udeh) in helping me own my first home in America. It's a dream come true! The availability of of the team to answer my questions, provide ardent and timely updates, and walking with me all the way was amazing. My experience was quite pleasing and pleasant. I will strongly recommend this team to any potential home buyer.

Read more

Great loan process, made easy. Very good communication throughout, and we highly recommend this company; The team was great! Joseph Gomez especially deserves a five star reward— he worked all hours, night and day, during pandemic conditions, to get the loan funded. Amazing work ethic— and you are all an amazing team! Thank you very much!

Read more

Arcus Lending is an amazing company, with an incredible employee named Keith Bailey. Keith is friendly, honest, present, transparent, intelligent, patient, hard-working, thorough and extremely easy to work with. Keith really did all the heavy lifting for us and we just needed to sign on the dotted line and save. Keith is our go to guy and Arcus Lending is our go to company.

Read more

Anthony Narag is the best loan officer i have experience. I have done several Home Loans including multiple refinance & home loans in he past 20 years. His professionalism, hard working and as a customer advocate was above and beyond my expectation. I have already highly recommend Anthony to those i know in need of a Home loan and/or Refinancing.

Read more

Just closed my re-fi loan...I m so glad I went with Arcus. I just want to thank Shashank and Betty for their commitment and customer service. Great communication all through along with prompt intervention during any issue is something that made my experience top class. Kudos to the team for a job well done!

Read more

One of the easiest transactions that I have been a part of. Got me the best rate, and the process was very fast. Really helpful people and available whenever I needed some information.

Read more

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


Follow Shashank

Three easy ways to get started