Apply Now

Home Loans Made Simple

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, AK, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, WA.

I'm looking to purchase
I'm looking to refinance
David Arvidson MBA. CFP® Arbor Financial Group

David Arvidson

MBA. CFP®
NMLS #298701 DRE #01236224
Apply Now
david@arborfg.com
Consultation
714-403-1800
Your Path to Homeownership Starts Here

Explore Home Loan Options Tailored to Your Needs

From first-time homebuyers to seasoned investors, I offer a wide range of home loan and mortgage solutions tailored to fit your unique goals. With competitive rates, flexible terms, and expert guidance, I’m here to make your path to homeownership as smooth and stress-free as possible.

CONVENTIONAL Home LOANS image

Conventional Home Loans

Conventional home loans offer competitive interest rates, flexible terms, and a smooth approval process—ideal for borrowers with strong credit. These loans aren’t government-backed, which gives you more flexibility in property types and loan amounts. Whether you’re buying a primary residence, second home, or investment property, conventional loans are a trusted and straightforward choice. With clear guidelines and a wide range of options, they make homeownership both accessible and sustainable while helping you build long-term financial stability.

FHA Loan

FHA Home Loans

FHA loans are government-backed and designed to help first-time buyers or borrowers with less-than-perfect credit. With low down payment options, competitive rates, and flexible credit requirements, they offer a reliable path to homeownership. FHA loans are especially helpful if you’re working with a smaller budget or lower credit score. They’re available for properties in all 50 states and are commonly used by those entering the housing market for the first time or re-entering after past financial challenges.

VA Home LOANS image

VA Home Loans

VA loans are an exclusive benefit for veterans, active-duty military members, and eligible spouses, backed by the U.S. Department of Veterans Affairs. They offer no down payment, no PMI, and competitive interest rates, making homeownership more affordable for those who serve. With flexible guidelines and significant cost savings, VA loans help military families secure housing with less financial stress. Whether purchasing a home or refinancing, VA loans deliver long-term value and stability tailored to those who’ve served.

Jumbo Loan

Jumbo Home Loans

Jumbo home loans are designed for financing luxury homes and high-value properties that exceed conventional conforming loan limits. These loans offer higher borrowing amounts, competitive interest rates, and customized underwriting to meet complex financial needs. Ideal for buyers in high-cost markets like California or Florida, jumbo loans provide the flexibility to finance primary residences, vacation homes, or investment properties without standard restrictions. With tailored solutions and expert support, jumbo loans make it easier to secure upscale real estate with confidence.

PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED

Self-Employed Mortgage Solutions

Our self-employed mortgage solutions are built for entrepreneurs, freelancers, and small business owners who may not have traditional W-2 income. These loans use alternative documentation such as tax returns, profit-and-loss statements, or bank statements to verify income. With flexible underwriting, competitive terms, and a streamlined approval process, they’re ideal for borrowers who want financing that reflects their real earning power. We make it easier to achieve homeownership without the restrictions of conventional employment requirements.

NON QUALIFIED MORTGAGE NQM LOANS

Non-Qualified Mortgage (NQM) Loans

Non-Qualified Mortgage (NQM) loans are designed for borrowers who don’t meet standard lending guidelines due to non-traditional income, credit events, or other factors. These loans allow for flexible income documentation, including bank statements or asset-based income, and are ideal for self-employed individuals or those with unique financial situations. With custom terms and competitive rates, NQM loans expand access to home financing for those who fall outside conventional criteria—while maintaining the security and structure of a traditional loan.

BANK STATEMENT LOANS image

Bank Statement Loans

Bank statement loans offer a smart alternative for self-employed borrowers who don’t qualify under traditional documentation. Instead of W-2s, lenders review 12–24 months of personal or business bank statements to determine income. These loans feature flexible underwriting, competitive interest rates, and are ideal for freelancers, consultants, and entrepreneurs. With a streamlined process and greater flexibility, bank statement loans help you achieve homeownership while reflecting your true financial picture, even without typical income verification.

INVESTMENT PROPERTY FINANCING image

Investment Property Financing

Investment property loans are tailored for real estate investors looking to grow their rental portfolios, purchase vacation homes, or expand into multi-unit properties. These loans offer competitive rates, income-based underwriting, and flexible terms to match your strategy. Whether you’re a first-time investor or managing several properties, we’ll help you structure financing that supports your goals. Build long-term wealth through real estate investment while leveraging the value of high-performing rental properties or short-term assets.

ITIN Loans image

ITIN Loans

ITIN loans provide access to home financing for borrowers who don’t have a Social Security number but file taxes using an Individual Taxpayer Identification Number (ITIN). Designed for non-U.S. citizens, these loans accept alternative documentation, offer competitive rates, and support flexible credit backgrounds. Whether you’re buying your first home or investing in property, ITIN loans help you build credit, secure long-term housing, and achieve the dream of homeownership in the U.S.—without barriers based on citizenship status.

Refinance Options

Refinance Home Loans

Our refinance home loan options are designed to help you lower your interest rate, reduce monthly payments, or access home equity. Whether you’re looking to consolidate debt, renovate your home, or shorten your loan term, we offer streamlined refinancing with competitive rates and flexible terms. Refinancing lets you realign your mortgage with your current goals and strengthen your financial strategy—all backed by expert support every step of the way.

Cash Out

Cash-Out Refinance

A cash-out refinance lets you replace your current mortgage with a new one that’s larger, allowing you to withdraw the equity you’ve built in your home. Use the cash for home improvements, debt consolidation, or major expenses. This option gives you financial flexibility without taking on a separate loan. With competitive rates, flexible terms, and a simple process, cash-out refinancing is a smart way to turn your home’s equity into a powerful financial tool.

Renovation and Construction Loans

Renovation and Construction Loans

Renovation and construction loans provide financing for new home builds, major remodels, or property upgrades. These loans cover both construction costs and long-term mortgage financing under one package. With flexible draw schedules, competitive rates, and expert support throughout the project, they offer a streamlined solution for creating or transforming your home. Whether building from scratch or making improvements, these loans help you boost property value and bring your vision to life.

USDA Loans image

USDA Home Loans

USDA Home Loans offer zero down payment, low interest rates, and flexible credit requirements, making them an excellent option for qualified buyers in rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans are designed to promote affordable homeownership in communities where housing costs may otherwise be a barrier. Ideal for low to moderate-income households, USDA loans reduce upfront costs and support long-term stability. If you’re looking to buy in an eligible area, a USDA loan could be your perfect path to homeownership.

Movinghome

First-Time Homebuyer & DPA Loans

First-time homebuyer loans and down payment assistance (DPA) programs help reduce the financial burden of buying your first home. These options offer low down payments, flexible credit guidelines, and access to state or local grants that can cover part of your upfront costs. Whether you’re stepping out of renting or starting fresh, these programs are built to support your transition into homeownership with greater ease and long-term financial confidence.

Reverse Mortgag

Reverse Mortgage

Reverse mortgages are designed for homeowners aged 62 and older, allowing you to eliminate monthly mortgage payments and access your home’s equity. Use the funds for retirement expenses, home improvements, or to purchase a new home. You can also refinance an existing reverse mortgage to improve your terms. With flexible options and no monthly payments required, a reverse mortgage helps you stay in the home you love while supporting your financial freedom in retirement.

About Me

David Arvidson is a founding member of The Arbor Financial Group with nearly 30 years of experience in the financial services industry. Since beginning his career in 1996, he has served as a Senior Financial Consultant and played a key role in developing digital finance and insurance platforms with industry leaders such as Autobytel, General Electric, MetLife, and LendingTree.

In 2001, David launched his own financial services company, building a reputation grounded in trust, transparency, and expert guidance. He holds a B.S. from the University of Southern California, an MBA from the University of Notre Dame, and completed the Personal Financial Planning Program at UC Irvine. In 2013, he earned the prestigious Certified Financial Planner™ (CFP®) designation.

Licensed in 22 states, David helps clients across the country achieve their homeownership and financial goals with clarity and confidence.

David Arvidson, MBA, CFP®
Founder | The Arbor Financial Group
Licensed in AL, AK, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, WA.

Apply Now
Book a Call
Personal Website
David Arvidson MBA. CFP® Arbor Financial Group 2
Tailored Solutions. Trusted Experts. Seamless Home Financing.

Mortgage Solutions Designed for You

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.

PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED

Personalized Mortgage Solutions

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.
Competitive Rates and Flexible Terms

Competitive Rates and Flexible Terms

Get the best of both worlds—low interest rates and loan terms that work for you. We offer competitive financing options designed to fit your budget and long-term goals.
BANK STATEMENT LOANS image

Expert Guidance from Start to Finish

Navigating home financing can feel overwhelming, but we’re here to make it simple. Our experts walk you through every step, ensuring a smooth and stress-free experience.
Nationwide Lending

Nationwide Lending Expertise

Wherever you’re looking to buy, we’ve got you covered. Our nationwide lending expertise means we can help you secure the right loan, no matter where you call home.
Fast Approvals

Fast Approvals

Time is of the essence when securing your home. Our streamlined process ensures quick approvals, so you can move forward with confidence—without unnecessary delays.
Support for Unique Borrowers

Support for Unique Borrowers

Traditional loans don’t fit everyone. Whether you’re self-employed, an investor, or a non-traditional borrower, we offer flexible financing options to meet your unique needs.
Commitment to Communication

Commitment to Communication

We keep you informed at every step. With clear updates, proactive support, and expert advice, we make sure you always know what’s next in your loan journey.
Trusted Team of

Trusted Team of Experts

Experience matters when it comes to home financing. Our dedicated team of mortgage professionals brings knowledge, integrity, and a customer-first approach to every loan we handle.

Recent Blog Post

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.

Personalized Mortgage Solutions Backed by Experience

With over 25 years of mortgage experience, David is a trusted expert who brings deep industry knowledge, personalized service, and a proven track record of helping individuals and families secure the right mortgage solutions. As the founder of The Arbor Financial Group, he combines leadership and dedication to ensure each client receives clear guidance, competitive loan options, and a smooth path to homeownership. Licensed in more than 25 states, David offers the flexibility and expertise needed to serve clients nationwide with confidence and care.

Apply Now
Your Path to Homeownership Starts Here

Explore Home Loan Options Tailored to Your Needs

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.

What’s the difference between a Conventional Loan and an FHA Loan?

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!

Arbor Financial Group offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.

Contact Us

Follow Us

© 2025 The Turnkey Foundation Inc. DBA ARBOR Financial Group, All Rights Reserved. NMLS #236669

Licensed In: AK, AL, AR, AZ, CA, CO, CT, D.C., FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY