AR1 Mortgages

What AR1 Mortgages does

AR1 Mortgages, Inc. is a private mortgage broker headquartered at 301 E. Commercial Blvd in Oakland Park, Florida, operating under NMLS: 1309076 and registered as an Equal Housing Lender. Founded in 2015, the company is led by founder and Mortgage Loan Originator Ann-Marie Richards, with a disclosed headcount of 1-10 employees. The firm is licensed to operate across three states — Florida, Georgia, and Texas — and offers a broad catalog of loan programs spanning fixed-rate mortgages, FHA, VA, USDA, conventional, jumbo, adjustable-rate, interest-only, graduated payment, HARP 2.0 refinance, and reverse mortgages, alongside a specialized Hometown Heroes Program for first responders, teachers, and healthcare workers.

The company's technology stack is conventional rather than differentiated: a secure online loan application hosted at my1003app.com enables self-serve pre-qualification in roughly 7-10 minutes, interactive mortgage calculators support payment and affordability estimation, and a content-rich website (blog, learning center, FAQ) functions as the primary demand generation channel. There is no evidence of AI/ML integration, proprietary underwriting models, or API-driven integrations — the platform is fundamentally a digital front-end layered over a traditional broker workflow.

AR1 Mortgages operates on a transaction-fee revenue model, earning origination fees and broker commissions on purchase mortgages and refinance transactions facilitated across its multi-lender product set. Go-to-market combines sales-led loan officer relationships with a direct-to-consumer online application channel, supported by content marketing and testimonial-driven social proof. Customer segments are entirely individual consumers: first-time homebuyers, refinance candidates, VA-eligible veterans, USDA borrowers in rural areas, and the Hometown Heroes cohort. The business is highly relationship-dependent, with virtually all public testimonials referencing Ann-Marie Richards by name, indicating a founder-led, referral-driven operation rather than a scaled institutional broker.

Name

AR1 Mortgages

Legal name

AR1 Mortgages, Inc.

Website

https://ar1mortgages.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

AR1 Mortgages is a private Florida-based mortgage broker licensed in Florida, Georgia, and Texas, offering purchase, refinance, FHA, VA, USDA, jumbo, and specialty loan programs to individual homebuyers and homeowners, with operations led by founder Ann-Marie Richards.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Cash-Out Refinance Origination (FSALAAAF), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Residential mortgage brokerage
• Home purchase loans
• Mortgage refinancing services
• FHA VA USDA loans
• First-time homebuyer financing

Headquarters

HQ city

Oakland Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: AR1 Mortgages earns revenue through origination fees charged on mortgage loans they originate. As a mortgage broker, they offer products from various lenders and earn commissions or fees for facilitating loans.
2. Refinancing Services: Revenue generated from refinance transactions when existing mortgages are refinanced through their services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

AR1 Mortgages is a mortgage broker that originates residential home loans on behalf of individual consumers across Florida, Georgia, and Texas. It offers a diverse catalog of loan programs—including Fixed Rate, FHA, VA, USDA, Conventional, Jumbo, Adjustable Rate, Interest Only, Graduated Payment, HARP 2.0, and Reverse Mortgages—alongside home purchase, refinance, and the specialized Hometown Heroes Program, supported by a secure online application portal and interactive mortgage calculators.

Product overview

AR1 Mortgages is a mortgage broker offering a comprehensive suite of loan products and mortgage services. The core offering consists of various loan programs including Fixed Rate Mortgages, FHA Loans, VA Loans, USDA Loans, Conventional Loans, Jumbo Loans, Adjustable Rate Mortgages, Interest Only Mortgages, Graduated Payment Mortgages, HARP 2.0 Refinance, and Reverse Mortgages. These are complemented by home purchase and refinance services, a specialized Hometown Heroes Program for first responders and community heroes, digital tools including mortgage calculators and an online loan application platform (my1003app.com), and educational resources through their Learning Center. The company operates as a mortgage broker serving Florida, Georgia, and Texas, positioning itself as an alternative to traditional banks with personalized service and access to multiple lending options.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage Traditional mortgage with a fixed interest rate for the entire loan term, offering predictable monthly payments for residential home buyers and refinancers.
• FHA Loans Government-insured mortgages backed by the Federal Housing Administration, offering lower down payments and more flexible qualification requirements for first-time and lower-down-payment home buyers.
• VA Loans Government-backed mortgages for eligible veterans and service members, featuring no down payment and competitive rates.
• USDA Loans Zero-down-payment mortgages for homes in eligible rural and suburban areas, backed by the U.S. Department of Agriculture.
• Conventional Loans Standard mortgages not insured by the government, typically requiring higher credit scores but offering competitive terms.
• Jumbo Loans Mortgages exceeding conventional loan limits for higher-value properties, with flexible terms for qualified borrowers.
• Adjustable Rate Mortgage (ARM) Mortgages with interest rates that adjust periodically based on market conditions, offering lower initial rates to qualifying borrowers.
• Interest Only Mortgage Loans allowing borrowers to pay only interest for an initial period, reducing monthly payments temporarily.
• Graduated Payment Mortgage Mortgages with payments that start low and increase gradually over time, suited for borrowers expecting income growth.
• HARP 2.0 Refinance Home Affordable Refinance Program for underwater mortgages, allowing eligible borrowers to refinance despite limited equity.
• Reverse Mortgages Loans enabling senior homeowners to convert home equity into cash without monthly mortgage payments.
• Home Purchase Loans Mortgage products for purchasing primary residences, including first-time homebuyer programs, brokered across multiple lenders.
• Home Refinance Loans Options for refinancing existing mortgages, including rate-and-term refinances and cash-out transactions.
• Hometown Heroes Program Special mortgage program for first responders, teachers, healthcare workers, and other community heroes.
• Mortgage Calculators Interactive online tools for calculating mortgage payments, affordability, and comparing financing options for prospective borrowers.
• Online Loan Application Secure online platform for submitting complete loan applications and pre-qualification requests, taking approximately 7–10 minutes to complete.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender and dominant digital-first brand; competes for the same purchase and refinance customers as AR1 but with vastly greater technology investment and brand spend.
• NewRez (Newcastle Investment Trust): National mortgage lender and servicer offering retail and wholesale channels; competes for similar purchase/refinance customers in AR1's licensed states with greater product breadth and capital base.
• Caliber Home Loans: National retail and wholesale mortgage lender with broad product menu including FHA, VA, and non-QM — overlapping AR1's customer segments but at materially larger scale.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender — not a direct retail competitor but shapes broker economics and lender pricing that determines AR1's product competitiveness.

Direct peers

• Guaranteed Rate: National retail mortgage lender combining loan-officer relationships with a digital application platform — a direct counterpart to AR1's hybrid human-plus-digital origination approach.
• loanDepot: One of the largest retail mortgage originators in the U.S., offering purchase and refinance products across multiple states via loan officers and digital channels — directly comparable to AR1's retail mortgage broker model at much larger scale.
• Movement Mortgage: Retail-focused mortgage lender with strong loan officer network across the Southeast U.S., serving similar first-time buyer and FHA/VA segments to AR1.
• Fairway Independent Mortgage: Retail mortgage lender operating through a network of branch offices and loan officers, with similar geographic and product breadth to AR1 across the Southeast.
• CrossCountry Mortgage: National retail mortgage lender with multi-state branch and loan officer presence, comparable product menu (FHA, VA, Conventional, Jumbo), and similar purchase/refinance focus.

Emerging players

• Better.com: Digital-first mortgage lender focused on a streamlined online application experience; competes directly for refinance and purchase customers that AR1 serves, particularly consumers comfortable with self-service digital tools.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ar1mortgages
• LinkedInlinkedin.com/company/ar1-mortgages-inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 AR1 Mortgages