• Client For Life Program

    When you're a client with ARA, you're a client for life!

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  • Get Started Today

    5 easy steps to becoming a Lender Direct associate!

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  • Today's Rates

    Checkout the latest home mortgage rates.

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  • Welcome To American Realty Associates!

    Home of the "0.75% of loan amount Realtor Compensation" Program

    Become a ARA Associate and offer your clients a wide range of cutting edge loan programs, with the most competitive rates while earning compensation of 0.75% of loan amount on every loan you close while being RESPA compliant.

  • Realtor Associates

    NO CLOSING COST LOANS 

    (Up to $5,000 credit towards RCC and NRCC)

    • Up to $5,000 credit towards Closing Costs

    • Competitive Rates for Your Client

    • Gain Control of Loan Transactions

    • Print a Prequal Letter Online

    • Wide Range of Loan Programs

    • Close Your Loans On Time, Every Time

    • More Referral Business From Clients

  • Broker Associates

    We will send your client a valuable "WELCOME HOME" basket and Quarterly Scenic Cards for 1 year on your behalf asking for referrals

    • 0.75% of Loan Amount Compensation*

    • Competitive Rates for Your Client

    • View Your Realtors' Entire Pipeline

    • Attract and Retain Quality Agents

    • Wide Range of Loan Programs

    • One Stop Shop for All of Your Clients

    • Increase Staff's Knowledge of Lending

Today's Rates

Program Rate Points APR
Conf 15 Yr Fixed 6.500% 0.000 6.604%
Conf 30 Yr Fixed 6.999% 0.000 7.066%
Elite Conf 15 Yr Fixed 6.375% 0.000 6.478%
Elite Conf 30 Yr Fixed 6.999% 0.000 7.066%
Last update: 2026-09-04
Assumptions

Rates and fees are based upon Single Family House, Owner Occupied, Purchase & 30 day rate lock period.

Conforming: $400,000 / 70%LTV / 700 Credit Score

Conf High-Balance: $647,201 / 70% LTV / 720 Credit Score

Jumbo: $970,801 / 70% LTV / 720 Credit Score

All "Elite" Products / 70% LTV / 760 Credit Score / Minimum loan amount $200K

The rates displayed are subject to change without notice.

Details

At American Realty Associates

Our mission is to provide our Realtor Associates with the best service, competitive pricing, and state of the Art technology in the mortgage industry.

At American Realty Associates, we are a full service mortgage brokerage that offers conventional, FHA, high balance, jumbo, USDA and Non-QM loans at competitive rates and fastest industry turn-times.