Find the Right Mortgage with ARBOR Financial Group

ARBOR offers purchase and refinance mortgages, including conventional, FHA, VA, jumbo, USDA, non-QM, DSCR, bank statement, and reverse mortgage loans. Whether you are a first-time homebuyer, self-employed, or refinancing, a licensed loan originator matches you with options that fit.

Start online in about 3 minutes or call 866-521-6488. A loan originator reviews your goals, then guides you through preapproval, document collection, and each step of the loan process.

ARBOR works as both a mortgage broker and a lender, so your loan originator can compare options across 150+ lenders instead of one. We take a calm, educational approach and tailor each mortgage strategy to your situation.

ARBOR is licensed in 48 states and the District of Columbia: AK, AL, AR, AZ, CA, CO, CT, D.C., DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, and WY.

Yes. ARBOR works with self-employed borrowers and complex income every day, with programs that accept bank statements, 1099s, complex tax returns, and other alternative documentation.

Timing depends on your file and how quickly documents come in, and you get a clear timeline with updates at each step.

Reach out anytime. You have a direct line to your loan team for answers and next steps from application to closing.

Yes. A denial often means the program or documentation strategy was the wrong fit. We review the reason, rebuild the plan, and look for a better path based on guidelines and your real profile.

Prequalification is a quick estimate based on basic information. Preapproval reviews your documents and credit, so your budget and approval strength are much more reliable when you make an offer.

Usually only slightly. A preapproval includes a credit check that can cause a small, temporary dip, and for most borrowers the clarity and leverage it gives when making offers outweigh it.

It depends on the loan program and your goals. Some buyers can purchase with a low or even zero down payment, but the best plan also weighs your monthly payment, closing costs, and reserves.

Minimums vary by program and lender, and approval looks at your full profile: credit score, payment history, debt, and stable income. If you are close, small changes can improve both approval and pricing.

Yes. Student loans are common and often manageable. How they count depends on the loan type and your repayment status, so we calculate them correctly from the start.

Avoid opening new credit, changing jobs without talking to your loan originator, making large undocumented deposits, or moving money between accounts without a paper trail. Small changes can raise big underwriting questions.

Closing costs include lender fees, title, escrow, appraisal, and prepaid items like taxes and insurance. Budget a realistic range early, then refine it once you are under contract.

A rate lock holds your interest rate for a set period while your loan is processed. We time the lock to your contract timeline and your comfort with market movement.

It depends on your current rate, how much cash you need, whether you want flexible access, and the payment you are comfortable with. We compare the options side by side so you can choose the smartest move.