Arcasa

Name

Arcasa

Legal name

Arcasa Services, LLC

Website

https://arcasa.io

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Arcasa is a Salt Lake City-based mortgage fintech that provides the Energy-Smart Down Payment Assistance program, combining FHA mortgages with solar financing to unlock up to 5% of a home's purchase price as a grant or forgivable second mortgage for loan officers, lenders, builders, agents, and homebuyers across 47 U.S. states.

Ownership category

akta.pro rank

Product category

Mortgage Fintech — Down Payment Assistance

NAICS

Sales Financing (52222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs (FSALAJAI)

akta.pro secondary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Down payment assistance
• Solar mortgage financing
• FHA loan programs
• Mortgage fintech platform
• Homebuyer assistance programs

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Mortgage Fintech Transaction / DPA Facilitation Fees: Arcasa generates revenue by facilitating the Energy-Smart DPA program through approved lenders. The solar financing is secured through the home mortgage, and the down payment assistance is funded by financing solar into the loan. Revenue is derived from transaction-based fees on loans where the DPA program is used, as well as potentially from margins on the solar installation component that is financed into the mortgage. The company can white-label its program to lenders for a fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Arcasa is a mortgage fintech platform that offers the Energy-Smart Down Payment Assistance (DPA) program, which combines a market-rate FHA first mortgage with a forgivable second mortgage or grant of up to 5% of the purchase price, with funds unlocked when the borrower commits to post-closing solar installation. The program is delivered through Arcasa's proprietary platform — including the QuickBid™ loan-officer tool, a DPA calculator, and a Homebuyer Quiz — and is distributed via a network of approved lenders, brokers, builders, and real estate agents. Arcasa white-labels the program for lender partners and is not itself a mortgage lender.

Product overview

Arcasa is a mortgage fintech platform offering the Energy-Smart DPA program, the nation's most versatile FHA down payment assistance product. The core offering combines a market-rate FHA first mortgage with either a forgivable second mortgage or grant (up to 5% of purchase price), unlocked when borrowers commit to post-closing solar installation. Key supporting products include QuickBid™ (loan officer calculator tool), a Down Payment Assistance Calculator for homebuyers, and the Homebuyer Quiz for lead qualification. The platform serves loan officers, lenders, builders, real estate agents, and homebuyers through white-label and partner distribution channels including MLB Wholesale.

Differentiator

Problem solved

Functional benefit

Brands

• Energy-Smart DPA: An innovative down payment assistance program that combines FHA mortgages with solar financing, providing up to 5% of purchase price toward down payment, closing costs, or rate buydowns without income caps or 1099s.
• QuickBid
• Green Advantage

Products and services

• Energy-Smart DPA (Down Payment Assistance) Core program: an FHA-integrated down payment assistance offering up to 5% of the home purchase price as a grant or forgivable second mortgage, unlocked when the borrower commits to post-closing solar installation. No income caps, no first-time-buyer requirement, no rate add-on, no 1099 to the borrower, and no second monthly payment. Delivered through approved lender partners and available in 47 U.S. states.
• Energy-Smart Mortgage Platform The proprietary fintech platform for lenders and loan officers that integrates solar financing with FHA mortgages to deliver down payment assistance, rate buydowns, and closing cost coverage. Supports scenario comparison, LOS-ready outputs, and white-label program configuration for lender partners.
• Homebuyer Quiz and Lender-Matching Portal Self-serve digital intake (homebuyer quiz) that captures buyer stage, property, credit range, income, and agent information; produces a 'What You Could Unlock' eligibility summary with estimated DPA amount; and matches the user to an approved Arcasa lender. No credit pull required.

Quantifiable outcome

• Average $15,000+ unlocked per homebuyer in down payment assistance (internal average)
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• MLB Wholesale (Making Lives Better Residential Lending)coreChannel Partner/ Reseller/ Distributor · 1 June 2026MLB Wholesale is Arcasa's first wholesale-focused lender partner, integrating Energy-Smart DPA through MLB's Green Advantage program. Brokers using MLB Wholesale can deliver up to 5% of the purchase price toward down payment, closing costs, or rate buydown with no income caps, no second payment, and no 1099s for buyers. MLB Wholesale is led by President Laura Brandao and CEO Sam Lamparello. The partnership targets the broker channel (as opposed to retail lenders), with co-branded marketing materials, a dedicated relationship manager, and education/webinar programs.
• Down Payment ResourcecoreGTM or Marketing Partner · 8 July 2025Arcasa's Energy-Smart DPA program is listed nationwide in Down Payment Resource's DPA Directory, the housing industry's leading technology for connecting homebuyers with assistance programs. Down Payment Resource's platform is used by seven of the top 25 mortgage lenders, the three largest real estate listing websites, and 600,000 real estate agents. This partnership provides Arcasa with broad market access and organic discovery through DPR's directory and LOS integrations.
• CrossCountry MortgagecoreChannel Partner/ Reseller/ DistributorCrossCountry Mortgage is listed as a live lender partner where Arcasa's Energy-Smart DPA is available through retail, wholesale, and correspondent channels. It is one of the lenders actively offering the program to borrowers.
• Intercap LendingcoreChannel Partner/ Reseller/ DistributorIntercap Lending is a lender partner offering Arcasa's Energy-Smart DPA. A loan officer from Intercap Lending (Dan Harding) is featured in Arcasa's blog as a case study where Arcasa rescued a deal for a client who lost eligibility for Utah Housing due to a salary increase. The client still closed on schedule using Arcasa's program.
• Maxwell MortgageminorChannel Partner/ Reseller/ DistributorMaxwell Mortgage, Naples, Florida, is listed as a customer/partner with Vice President Lauren Maxwell featured in Arcasa's testimonials as a professional user of the platform.
• EPC Partners (Engineering, Procurement, and Construction solar partners)coreTechnology or IntegrationArcasa works with vetted EPC (Engineering, Procurement, and Construction) solar partners who are vetted for quality and consistency. Arcasa's warranty coverage includes both third-party-backed policies and protection through the trusted build partner network. The EPC partners coordinate solar installation post-closing with local installers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GoodLeap: GoodLeap is a point-of-sale solar and home improvement financing platform that similarly bundles clean-energy upgrades into the home financing transaction. Like Arcasa, it relies on installer/EPC partners and lender integrations to convert financed projects; both compete for the intersection of solar economics and residential mortgage/financing flows.
• HomeFree USA: HomeFree is a national DPA platform that administers and intermediates down payment assistance for lenders and homebuyers, similar to Arcasa's Energy-Smart DPA layer. Both operate as DPA-as-a-service overlays on top of FHA and conventional first mortgages, monetizing transaction flows rather than holding balance sheet.
• Newfi Wholesale: Newfi is a non-QM/DPA-focused wholesale and correspondent lender with its own down payment assistance products distributed through the broker channel, closely paralleling Arcasa's wholesale distribution thesis via partners such as MLB Wholesale. Both target brokers/loan officers looking for differentiated affordability tools.
• Better.com: Better is a digital-first mortgage lender that develops proprietary fintech tooling (BETTER+ for affordability, integrated scenario calculators) very analogous to QuickBid™. Both are technology-led lenders/fintechs attacking the affordability gap with direct-to-consumer digital workflows.

Emerging players

• Figure Technologies: Figure is a blockchain-enabled home equity and consumer fintech that has explored solar and HELOC-adjacent products. It overlaps with Arcasa in the tech-led, alternative-financing-mechanism approach to residential finance and clean-energy/home-equity use cases.

Broad incumbents

• Radian Group: Radian is a large mortgage insurance and credit-enhancement provider adjacent to FHA origination. Like Arcasa, it monetizes by enabling lenders to take on credit exposure (DPA, second-lien or MI), and serves most of the same lender and loan-officer channel. It is the closest incumbents in the credit-enhancement adjacency.
• MGIC (Mortgage Guaranty Insurance Corporation): MGIC is one of the largest U.S. private mortgage insurers providing credit enhancement on conventional loans. It sits in Arcasa's competitive set on the credit-enhancement side of the mortgage stack and shares the same lender/loan-officer distribution audience.
• United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, and as Arcasa's partner channel competitor it operates its own DPA, buydown and broker-incentive programs. UWM is highly comparable as a wholesale-channel platform with embedded affordability products, and is the dominant gravitational center for any broker-led DPA push.
• Rocket Mortgage: Rocket is the largest U.S. retail and direct-to-consumer mortgage lender with its own Rocket Homes, RED Week, and DPA-style affordability products. Any in-house solar-DPA variant from Rocket would be the single most consequential competitive threat to Arcasa given Rocket's brand and balance sheet.
• CrossCountry Mortgage: CrossCountry is both an Arcasa distribution partner (white-labeling Energy-Smart DPA) and a top-10 retail/correspondent/wholesale lender with proprietary affordability products. It is a meaningful comparable as a multi-channel lender that also acts as a strategic partner for thinner-stack fintechs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/arcasa_io

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arcasa