
Whether you’re buying, refinancing, or investing, ARBOR Financial Group is here to guide you every step of the way. With expert advice, competitive rates, and tailored loan options, we make home financing stress-free.
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Discover why clients choose ARBOR Financial Group for their mortgage needs.
EXCELLENT Based on 219 reviews Darylan Graham2025-06-26Trustindex verifies that the original source of the review is Google. Utah based: you cannot get a better lending team than Rick and Wendee in Centerville. We will never use anyone else. They are so on top of things we were able to close drastically sooner due to their diligence and care. At any hour or day of the week they were available for questions. Buying a home for the first time is nerve racking but these two made it easy and painless! Cannot recommend them enough! Theresa Arbiter2025-06-23Trustindex verifies that the original source of the review is Google. David and Tracy worked so hard to get our loan approved in a timely manner. They were available to answer all our questions and went above and beyond for us. I highly recommend them. Our realtor and escrow company were highly impressed! tenzin khechok2025-06-15Trustindex verifies that the original source of the review is Google. Jessie is amazing. She made the entire process so seamless and simple. Her biggest strength is her honesty, integrity and ability to provide timely information with outmost clarity and honesty. Never seen some so responsive, she is always a text message away. Thanks you Jessie Majed Albokaei2025-06-12Trustindex verifies that the original source of the review is Google. I’ve been working with Marc’s team for over 8 years now (4 purchases now) and I can’t emphasize how much I appreciate working with them. Marc, Albert and Tania have all been great to work with. Very knowledgeable and very responsive. It is nice to work with a team that knows what they are doing, it makes the loan process go a lot easier and smoother. TowChick 4life2025-06-07Trustindex verifies that the original source of the review is Google. Awesome Very caring and can answer any questions. If Danica does not know she will find out. She is a awesome woman and she rocks and made everything feel like it was going to be ok. Understanding,kind, gentle, easy to talk to. If you need anything just call Her Thank you Shauna Folsom california office Kim Ceniceros2025-05-21Trustindex verifies that the original source of the review is Google. John and team were absolutely amazing in all the support they provided for me. They have exceeded my expectations. They are truly outstanding and I will be telling all my family and friends about this amazing team, thank you John and team for the amazing opportunity and dedication to getting this done. Outstanding job! Laquinta Hill2025-05-21Trustindex verifies that the original source of the review is Google. As a first-time homebuyer, I was impressed by Bill Gifford and his team, who surpassed my expectations. They simplified the process, making it smooth. Bill displayed professionalism and knowledge throughout. He promptly addressed my questions and concerns, of which I had many. I would gladly work with him again and recommend him to friends and family. Mikayla Chandler2025-05-14Trustindex verifies that the original source of the review is Google. As a first-time homebuyer, it was extremely helpful to have Jared on our home team! He’s solution-oriented, determined to get you home, and keeps your best interest in mind. 10/10. Kimberly Brown2025-04-17Trustindex verifies that the original source of the review is Google. What a pleasure it was to work with Tiffany. She made everything simple and smooth sailing !! Samantha Kanekoa2025-04-15Trustindex verifies that the original source of the review is Google. Very patient and understanding. Super helpful and very great at explaining
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A reliable mortgage option with low down payments, fixed or adjustable rates, and various term lengths. ARBOR Financial Group provides financing solutions for primary homes, second homes, and investment properties, ensuring long-term stability and affordability.
Designed for first-time buyers or those with lower credit scores, FHA loans offer low down payments, flexible credit requirements, and competitive rates. ARBOR Financial Group makes homeownership easier with affordable mortgage options and expert guidance.
Exclusively for veterans, active-duty service members, and eligible spouses, VA loans provide zero down payment, no PMI, and lower interest rates. ARBOR Financial Group proudly supports military families with affordable home financing options.
For luxury homes and high-value properties, jumbo loans provide financing beyond conventional loan limits with competitive rates and flexible terms. ARBOR Financial Group tailors solutions for high-net-worth borrowers, ensuring a smooth mortgage process.
Your mortgage should fit your unique financial situation. ARBOR Financial Group offers tailored loan options for self-employed borrowers, first-time buyers, and real estate investors, ensuring a seamless and customized experience.
For borrowers who don’t meet traditional loan requirements, Non-QM loans provide alternative income verification, expanded debt-to-income ratios, and flexible credit guidelines. ARBOR Financial Group helps self-employed and non-traditional borrowers secure financing.
Ideal for self-employed individuals, bank statement loans use 12-24 months of bank statements instead of tax returns for income verification. ARBOR Financial Group provides flexible mortgage solutions for business owners and independent contractors.
Whether you’re purchasing, refinancing, or expanding your real estate portfolio, ARBOR Financial Group offers financing solutions for single-family homes, multi-unit properties, and fix-and-flip projects with competitive terms.
For non-U.S. citizens without a Social Security Number, ITIN loans provide a pathway to homeownership. ARBOR Financial Group helps foreign nationals and undocumented residents secure mortgages with flexible qualification options.
Lower your monthly payment, reduce your interest rate, or access home equity with a rate-and-term refinance or cash-out refinance. ARBOR Financial Group helps homeowners achieve better financial flexibility.
Convert home equity into cash for home renovations, debt consolidation, or major expenses. ARBOR Financial Group offers competitive rates and flexible terms to help homeowners maximize their home’s value.
Finance home improvements, major renovations, or new construction with a loan that covers both purchase and building costs. ARBOR Financial Group provides solutions to help homeowners create their ideal living space.
A great option for homebuyers in eligible rural and suburban areas, USDA loans offer 100% financing, no down payment, and low rates. ARBOR Financial Group helps qualified borrowers secure affordable homeownership with flexible qualification guidelines.
Buying your first home? ARBOR Financial Group offers low down payment options and down payment assistance (DPA) programs to make homeownership more affordable. With flexible credit requirements and expert guidance, we simplify the mortgage process so you can buy with confidence.
For homeowners 62 and older, a reverse mortgage allows you to convert home equity into cash while staying in your home. Use funds to eliminate monthly mortgage payments, cover major expenses, buy a new home, or refinance an existing reverse mortgage.
A Home Equity Line of Credit (HELOC) offers flexible access to funds by leveraging the equity in your home. With a revolving credit structure, you can borrow what you need, when you need it—ideal for home improvements, debt consolidation, or unexpected expenses. HELOCs often feature lower interest rates than other types of credit and interest-only payment options during the draw period. Whether you’re planning a renovation or simply want a financial cushion, a HELOC provides a smart, customizable way to manage your cash flow. With responsible use, it can be a powerful tool to support both short-term needs and long-term goals.
At ARBOR Financial Group, we specialize in DSCR Loans designed to empower real estate investors by using rental property income—not personal income—for qualification. These loans assess the property’s cash flow and rental performance rather than relying on tax returns, W-2s, or pay stubs. This approach allows you to scale your investment portfolio faster, with minimal documentation and quicker approval times. Whether you’re acquiring your first income property or expanding an existing portfolio, ARBOR offers flexible solutions that make financing more accessible and investor-friendly. Let us help you unlock new opportunities in real estate with the right strategy and support.
Adjustable-Rate Mortgages (ARMs) from ARBOR Financial Group provide a lower initial interest rate than traditional fixed-rate loans, offering you substantial upfront savings. These loans are ideal for homebuyers who plan to move or refinance within a few years, or who expect their income to increase in the future. With an initial fixed-rate period followed by periodic rate adjustments, ARMs offer flexibility and can be a cost-effective option in a rising market. At ARBOR, we walk you through every detail—explaining how adjustments work, when they occur, and how to plan for them—so you can make confident, informed decisions. If you’re looking for a smart mortgage strategy with short-term benefits, an ARM could be the right fit.
Stand out with the power of a cash offer—without needing all the cash.
Gain a competitive edge in today’s market with Cash Advantage, powered by Zavvie. This program lets qualified buyers make strong, cash-backed offers that close faster and give sellers greater confidence. Whether you’re moving up, downsizing, or buying for the first time, Cash Advantage helps you move forward with speed, certainty, and flexibility.
Perfect for self-employed borrowers with contract or freelance income, this loan uses 1099 forms and bank statements instead of W-2s to verify earnings. With flexible qualification guidelines, it’s a smart option for independent professionals, gig workers, and entrepreneurs who may not qualify for conventional mortgage programs—making homeownership more accessible for those with non-traditional income.
Ideal for self-employed borrowers, this loan uses your profit and loss statement to verify income instead of tax returns or W-2s. It’s a flexible solution for business owners, freelancers, and entrepreneurs with strong cash flow but limited documentation. P&L Loans offer faster approvals and simplified underwriting, helping you qualify for a mortgage based on your actual business performance.
At ARBOR Financial Group, we are committed to making homeownership simple, accessible, and stress-free. With a customer-first approach, we provide expert mortgage solutions tailored to meet the unique needs of homebuyers, homeowners, and real estate investors. Whether you’re purchasing your first home, refinancing, or exploring investment opportunities, our team offers personalized guidance, competitive loan options, and cutting-edge technology to streamline the process.
With a reputation built on trust, expertise, and exceptional service, ARBOR Financial Group is dedicated to helping clients achieve their homeownership goals with confidence. Let us be your partner in securing the right mortgage solution for your future.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Your financial situation is unique, and your mortgage should be too. We tailor loan options to fit your needs, ensuring a seamless experience whether you’re a first-time homebuyer, self-employed, or refinancing.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Ready to take the next step? Whether you’re buying your first home, refinancing, or exploring loan options, the ARBOR Financial Group Team is here to help. Contact us today and let our experts guide you through a seamless Home Loan and Mortgage process. Your journey to the perfect home starts here!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
We offer a variety of loan options, including Conventional, FHA, VA, USDA, Jumbo, Reverse Mortgages, ITIN Loans, Bank Statement Loans, and Non-QM Loans to meet different financial needs.
Our mortgage specialists will assess your financial situation and homeownership goals to recommend the best loan option tailored to your needs.
Yes. We offer Bank Statement Loans and Non-QM Loans designed for self-employed borrowers who may not have traditional income documentation.
The minimum down payment depends on the loan type:
Refinancing is a great option if you want to lower your interest rate, shorten your loan term, consolidate debt, or access cash from your home equity.
A cash-out refinance allows you to borrow against your home’s equity, replacing your existing mortgage with a new, larger loan while receiving the difference in cash.
Yes. We offer FHA Streamline Refinance and VA IRRRL (Interest Rate Reduction Refinance Loan) programs that simplify refinancing with less paperwork and no home appraisal required in many cases.
ARBOR Financial Group offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
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