
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 195 reviews Victor Tomek2025-02-22Trustindex verifies that the original source of the review is Google. John provides wonderful insight into the lending process (timing, rates, points) and willingness to point out the pro’s and cons of a loan strategy in order to provide his client the best possible solution. Stand-up guy that is enlightening and easy to talk with…..and Yes, we would use John again!!! Cameron Foust2025-02-22Trustindex verifies that the original source of the review is Google. Derek Bandel and Julie Gadburg are the epitome of what customer service should be. They were very responsive to all our questions and walked us through the process of purchasing our home with ease. Couldn’t recommend them enough. Thank you! Frank Stark2025-02-18Trustindex verifies that the original source of the review is Google. My wife and I had a great experience working with Marc. Marc was very responsive when we had questions and is thorough. He always kept us updated which made the process of buying a home go very smoothly. Thank you Marc! Michelle Kershaw2025-02-17Trustindex verifies that the original source of the review is Google. Terri and her team took such wonderful care with us through this process. She went far above and beyond for us. I highly recommend Terri and her team to anyone. Michelle Kershaw Kristie Bennett2025-02-16Trustindex verifies that the original source of the review is Google. Jeffery is phenomenal! He is kind and knowledgeable. He takes time to get to know you, ask about your life, and it feels like he really has your back at every step along the way. Jeffery is communicative and professional. I am so glad I worked with him for my first mortgage! I will definitely be back! Chef Debbi2025-02-15Trustindex verifies that the original source of the review is Google. You have the best team & really made it as easy as possible. Very responsive to questions and appreciate the time it took for everyone to respond to my millions of questions. Thank you again. Thomas Gates2025-02-15Trustindex verifies that the original source of the review is Google. Today we closed escrow on purchasing our new home in Redmond, WA. So thankful for Nicole Valvadas & Aliya Wolfe: they are an incredible team, and I highly recommend them to anyone looking for a home mortgage. There were no surprises and the entire loan process was very efficient, organized & professional! Nicole & Aliya are terrific communicators and guided us smoothly through each step and milestone. They truly made the experience easy and pain free! Trask Shamburg2025-02-15Trustindex verifies that the original source of the review is Google. Excellent service and great communication throughout the deal. I will 100% recommend Tabitha and Focus Home Lending. Ryan Hargreaves2025-02-14Trustindex verifies that the original source of the review is Google. I worked with Derek Bandel during this process! He has been great and I absolutely have recommended him and his team to others!
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.
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.
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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