Caleb Whisman, Mortgage Loan Officer

Since 1996, David has helped individuals and families secure the right mortgage solutions. As a founder of The ARBOR Financial Group, he combines deep industry knowledge and personal dedication to ensure you achieve your dream of homeownership.

Licensed in AL, AK, AZ, AR, CA, CO, CT, DC, 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, WY.

Caleb Whisman

Loan Officer
NMLS #1293292

Explore home loan options that fit your goals

Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.

30 Year Fixed Mortgage

The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.

15 Year Fixed

Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.

FHA Home Loans

Low down payment mortgages designed for first time buyers or lower credit profiles. FHA loans make homeownership more accessible with flexible qualification guidelines.

Self Employed Mortgages

Qualify using bank statements or alternative income documentation. Perfect for business owners, freelancers, and independent contractors.

VA Home Loans

Zero down payment loans for eligible veterans and active duty service members. VA mortgages offer competitive rates with no private mortgage insurance.

Conventional Home Loans

Flexible financing for buyers with strong credit and steady income. Ideal for primary homes, second homes, or investments with competitive rates and fewer restrictions.

Down Payment Assistance Programs

Programs that help cover upfront costs through grants or forgivable loans. Reduce your cash to close and make buying a home more affordable.

First Time Homebuyer Loans

Designed to help new buyers enter the market with low down payments and flexible credit options. A smart starting point for long term homeownership.

Jumbo Home Loans

Financing for high value homes above standard loan limits. Ideal for luxury properties with competitive terms for qualified buyers.

Adjustable Rate Mortgages

Lower starting rates with periodic adjustments over time. Best for buyers planning to move or refinance within a few years.

USDA Home Loans

Zero down payment loans for eligible rural and suburban buyers. Affordable financing with flexible credit guidelines.

Cash Advantage Program

Make cash backed offers without needing all the cash. Compete stronger and close faster in competitive markets.

Non QM Loans

Flexible loan options for borrowers who fall outside traditional guidelines. Great for unique income situations and alternative documentation.

Bank Statement Loans

Use 12 to 24 months of bank statements instead of tax returns to qualify. Built for self employed borrowers seeking flexible approval.

1099 Mortgage Loans

Designed for contractors and gig workers using 1099 income. A flexible path to home financing without W2s.

DSCR Loans

Investor loans based on rental income, not personal income. Ideal for growing a real estate portfolio.

Foreign Nationals and ITIN Loans

Mortgage options for buyers without a U.S. Social Security number. Qualify using an ITIN and alternative documentation.

Investment Property Financing

Loans designed for rental homes and income producing real estate. Rental income may be used to help qualify.

Renovation and Construction Loans

Finance building or repairs into one mortgage. Perfect for new construction or upgrading an existing home.

Refinance Options

Lower your rate, may reduce payments, or access equity through refinancing. Available for both conventional and government backed loans.

Rate & Term Refinance

Replaces your mortgage with a new one may improve your rate or payment and adjust your terms, without taking cash out.

Cash Out Refinance

Turn home equity into cash for renovations or major expenses. Replace your mortgage with a larger loan and receive the difference.

HELOC

Access your home equity through a flexible credit line. Use funds as needed for renovations or large expenses.

Reverse Mortgage

For homeowners 62+, convert equity into tax free cash without monthly payments. Stay in your home while accessing retirement funds.

About Me

Caleb Whisman, Loan Officer at ARBOR Financial Group, is committed to making homeownership simple, accessible, and stress-free. With a client-first approach, David offers tailored mortgage solutions to meet the needs of homebuyers, homeowners, and real estate investors.

Whether you’re purchasing your first home, refinancing, or exploring investment opportunities, you’ll receive personalized guidance, competitive loan options, and streamlined support powered by cutting-edge technology. Known for a reputation built on trust, expertise, and exceptional service, Caleb is here to help you reach your homeownership goals with confidence.

Licensed in: AL, AK,, CT, FL, GA, IL, IA, KS, ND, OK, WA

Home loans made simple and strategic

Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.

Personalized Mortgage Solutions

Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.

Competitive Rates and Flexible Terms

We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.

Nationwide Lending Expertise

Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.

Fast Approvals

Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.

Why Choose ARBOR Financial Group

Whether you are buying your first home, refinancing, or comparing mortgage options, ARBOR Financial Group delivers personalized guidance, competitive rates, and a streamlined lending experience. Backed by an experienced team and proven process, we help you move forward with clarity and confidence from application to closing.

Mortgage questions answered clearly

Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.

What services do you offer?

We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.

How do I get started with a mortgage application?

Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.

Am I a strong candidate for a conventional home loan?

Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.

How much down payment do I realistically need to buy a home?

Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.

Is an FHA loan right for my situation?

FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.

How do lenders evaluate self employed income?

Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.

Can I qualify if I own a business or receive 1099 income?

Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.

What makes an investment property loan approval strong?

Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.

When does refinancing make financial sense?

Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.

What is the first step to get started?

The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.