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Home Loans Made Simple

At Arbor Financial Group, we believe finding the right home loan should feel easy. Whether you’re buying, refinancing, or investing, our competitive rates and expert guidance help you reach your goals with confidence. Let’s make your home financing journey smooth, simple, and stress-free—from start to finish.

Matt Troy

Senior Mortgage Advisor
NMLS #101358
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matthewt@arborfg.com
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503-307-3908
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

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 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

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 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.

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 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

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

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

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 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 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 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 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.

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 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

Matt Troy | Senior Mortgage Advisor | Arbor Financial Group

For the past 18+ years, I’ve proudly served as a dedicated mortgage lending professional, helping clients secure not just the best possible rates and terms, but also a seamless, well-informed experience from start to finish. I take pride in delivering personalized loan solutions with a sharp attention to detail and clear, consistent communication throughout the process.

My team and I are committed to providing exceptional service from the moment we receive your application all the way to the closing table. I take every professional relationship seriously and work hard to exceed expectations—whether it’s our first meeting or we’re finalizing your loan.

My mission is to simplify and clarify the mortgage process, ensuring every client finds a loan that fits their goals and lifestyle—quickly, efficiently, and stress-free.

It’s my pleasure to offer some of the best service in the industry, but don’t just take my word for it—feel free to browse my latest Zillow reviews and hear directly from the clients I’ve had the honor to help.

Licensed in OR and WA
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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

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

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.

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 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

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

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

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 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.

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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.

Why Choose Arbor Financial Group

Thinking about your next move? Whether you’re buying your first home, refinancing, or exploring the best mortgage options for your needs, I’m here to help. Backed by the trusted team at Arbor Financial Group, I provide personalized guidance, competitive rates, and a seamless experience from start to finish. Your path to the perfect home begins right here—with one-on-one support every step of the way. Let’s make your home loan journey smooth, simple, and stress-free.

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.

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