At ARBOR Financial Group, we believe home financing should feel clear and manageable. Whether you are purchasing a home, refinancing an existing mortgage, or investing in property, our team helps you explore loan options that align with your financial 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.
Fatemeh Carter is a local lender in Oregon, licensed in OR, WA, CA, and ID. She has worked in the real estate and finance industry since 2000. Her knowledge of mortgage lending started while working at a large retail bank while going to graduate school. While working there, she interviewed many successful clients on their business methods in both finance and real estate investments. Through those interviews, Fatemeh realized that investing in real estate was a big contribution in these wealthy clients’ portfolios.
However, her true “why” in developing a passion for real estate is attributed to being a first-born generation American, watching her single mother of three create generational wealth through the purchase of her first home that she bought in the 1960’s. She sold her home in the late 80’s and purchased another primary home as well as a rental home. In addition, her mom started a Mexican Restaurant and flooring store. All this from one single real estate purchase. From a very young age, Fatemeh quickly understood the importance of being a homeowner, and started to acquire rental properties throughout the nation since 2005.
Having been in the real estate market for so long, and in so many different scenarios, Fatemeh feels confident in her capabilities in helping others realize their own homeownership and investment dreams. She has developed lifelong relationships with her clients because she genuinely cares about their well-being. Being a wife and mother of two young children, Fatemeh understands the importance of safety and stability, and how a decision made today can impact tomorrow. With a BS in Psychology and MA in Education degrees, it is in her nature to nurture. First time homebuyers love Fatemeh because she is patient, she educates, and guides every step of the home buying process. One can rest assured that Fatemeh will provide professional, friendly, and on-time service to her clients. If you are looking for an experienced mortgage lender who will always have your back and never leave you in the dark, Fatemeh Carter is your go-to, life-long mortgage lender.
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
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.
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.
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.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
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.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
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.
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.
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.
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.
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.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
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.
