Arc Home LLC Wholesale Mortgage Rates, Through an Independent Broker
Wholesale investor across agency and non-QM.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Arc Home LLC and submits files directly into its wholesale channel. This page explains what Arc Home LLC is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Arc Home LLC. This page reflects a genuine wholesale relationship Duane originates through directly.
What Arc Home LLC Is Known For
- Wholesale investor covering both agency (conventional) and non-QM
- Established presence in the broker wholesale channel
- Menu built to serve a range of borrower profiles under one investor
Program Fit & Flexibility
Arc Home LLC's wholesale guidelines generally show a minimum credit score of 640 FICO floor on Elite non-agency full-doc; 660–700 on alt-income (bank statement/1099) tiers, with down payment requirements of As low as 10.01% on Elite QM (89.99% LTV). Loan amounts and program range: Non-agency/non-QM up to $3 million. Documentation type: Full doc, asset utilization, bank statement, 1099. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Arc Home LLC's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Arc Home LLC vs. a Typical Wholesale Alternative
| Feature | Arc Home LLC | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Wholesale investor covering both agency (conventional) and non-QM | Varies by lender — compare at time of application |
| Credit score flexibility | 640 FICO floor on Elite non-agency full-doc; 660–700 on alt-income (bank statement/1099) tiers | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | As low as 10.01% on Elite QM (89.99% LTV) | Commonly 3–5% conventional, varies by program |
| Loan amount range | Non-agency/non-QM up to $3 million | Varies by lender and program |
| Documentation type | Full doc, asset utilization, bank statement, 1099 | Varies by lender and program |
Getting a Real Arc Home LLC Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Arc Home LLC's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 700 credit score and 20% down on a $400,000 purchase priced through Arc Home LLC's wholesale conventional rate sheet. On a $320,000 loan at an illustrative 6.75% wholesale rate, principal and interest runs approximately $2,075/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Arc Home LLC's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Arc Home LLC
Does Arc Home LLC lend directly to consumers?
No. Arc Home LLC funds loans exclusively through independent wholesale brokers. To access Arc Home LLC's wholesale pricing, you work with a broker like Duane Buziak, who submits your file directly to Arc Home LLC's wholesale channel.
Is a broker-submitted Arc Home LLC loan more expensive than going direct?
No — Arc Home LLC's wholesale pricing is not available direct-to-consumer, so there is no direct channel to compare against. Duane's access is the way to reach this pricing.
What product categories does Arc Home LLC specialize in?
Arc Home LLC covers a broad spectrum including standard agency conventional loans alongside robust Non-Agency and Non-QM products like Elite QM and alternative income documentation loans.
What is the minimum credit score required for Arc Home LLC Non-Agency programs?
Arc Home LLC requires a 640 FICO floor on Elite Non-Agency full-documentation loans, while alternative-income tiers (such as bank statement and 1099 loans) generally range between 660 and 700 FICO.
Does Arc Home LLC offer options for self-employed borrowers?
Yes. Arc Home LLC offers bank statement, 1099, and asset utilization programs designed specifically for self-employed borrowers and investors who do not use W-2 tax returns.
What is the maximum loan limit available through Arc Home LLC Non-QM?
Arc Home LLC supports Non-Agency and Non-QM loan amounts up to $3 million for qualifying primary residences, second homes, and investment properties.
How does Duane's NoTouch Credit process work with Arc Home LLC?
Duane uses a soft credit check to access Arc Home LLC's live wholesale rate sheet without placing a hard credit check on your credit report or impacting your credit score.
What is the down payment requirement for Elite QM loans with Arc Home LLC?
Arc Home LLC's Elite QM program allows down payments as low as 10.01% (up to 89.99% LTV) for eligible borrowers.
Why choose an independent broker to access Arc Home LLC?
Working with an independent broker gives you direct access to Arc Home LLC's wholesale rates while allowing Duane to cross-compare their pricing against 30+ other wholesale lenders simultaneously.
Can I obtain a pre-approval prior to finding a property?
Yes. A soft-pull NoTouch pre-approval provides verified loan limits and rate estimates from Arc Home LLC so you can shop for a home with confidence.
Does Arc Home LLC support DSCR investor property loans?
Yes. Arc Home LLC provides Debt Service Coverage Ratio (DSCR) solutions that allow real estate investors to qualify based on property cash flow rather than personal income.
How does the Rate Challenge work with an Arc Home LLC quote?
Bring any competitor's Loan Estimate to Duane. He will run it side-by-side against Arc Home LLC's live wholesale pricing to ensure you are getting the most competitive loan terms available.
What documentation is required to lock an Arc Home LLC rate?
For standard agency loans, standard W-2s, paystubs, and asset statements are needed. For Non-QM loans, 12–24 months of bank statements, 1099 forms, or asset documentation will be collected.
Compare Arc Home LLC Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Arc Home LLC and every other lender in the directory.
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