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About Us :

YouCanRefi is brought to you through an alliance with ArcLoan, a nationally recognized, ethical, pro-consumer company in cooperation with nationally recognized mortgage companies providing traditional mortgagees nationwide.

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Our Standards :

  • Provide current market analysis with objective, consumer based, current market response based upon honest quotes and current options.

  • Maintain a core standard of - “If we can help you, we hope to earn your business. If we cannot, we want to educate and point the way within our best ability.”

  • Provide honest, experienced advice to protect homeowners, and potential homeowners from industry “salespeople” who attempt to prey on consumer fears and lack of knowledge.



Our Mission Statement :

To provide both homeowners and potential homeowners throughout the United States with financial education strategies which enable them to take advantage of interest rate cycles, and mortgage management techniques to help them increase savings and reduce debt.

As a pro-consumer organization, our business model is relationship based, not transactional. Our philosophy is simple:
Keeping Customer Loyalty By Earning It! Our corporate culture was built around Integrity, Reliability and Credibility, which are rare attributes in the mortgage industry. We are proud to have helped consumers across the United States for over 25 years. Our expert client services capabilities, coupled with our ability to offer sound, educational advice has resulted in a 90% client retention rate.

Our History :

YouCanRefi was created in 2007 as part of the ArcLoan family of mortgage strategy companies helping consumers increase savings and reduce their debt. The ArcLoan Mortgage Management Program was created in 1993 by Joseph Kelly. Mr. Kelly has a unique blend of technical, marketing, sales and leadership experience. As a graduate of the University of Virginia with a degree in Aerospace Engineering (yes….a rocket scientist), he realized that the mortgage industry was lacking a critical component – consumer education. From 1991 to 1996, he was ranked among the top 1% of loan officers in the United States. He has also managed a nationally based mortgage business model since 1998 focused on exceptional service and education. In 2007, Mr. Kelly joined a nationally licensed, ethical, pro-consumer mortgage company. This allows ArcLoan to offer its mortgage management programs/products in all 50 states.

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YouCanRefi is a division of Service Savers, Inc.

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