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.
Nicole Vaivadas is a dedicated Mortgage Loan Consultant with Arbor Financial Group, offering a wealth of experience and a passion for helping clients navigate the home financing journey with clarity and confidence. With a background in accounting and finance, Nicole joined the mortgage industry right after college and has since worked in nearly every area of the field—always with a strong focus on working directly with borrowers.
Originally from Florida, Nicole has lived throughout the Puget Sound region, from Tacoma to Edmonds, and now calls Bellevue, Washington home. Over the years, she has gained extensive experience in home equity loans, reverse mortgages, FHA/VA, conventional, construction loans, and more. She’s particularly skilled in working with home builders and offers personalized support to clients ranging from first-time homebuyers to luxury property investors.
Outside of work, Nicole and her husband enjoy boating, fishing, and spending time on their ranch in Yakima, where they raise cattle, pheasant, hay, and Washington fruit. A proud cat mom to Gabby, Nicole also supports local cat rescue organizations, and when time allows, she loves traveling back to Florida to visit family and friends.
Nicole Vaivadas and her team at Arbor Financial Group are committed to making homeownership simple, stress-free, and accessible—and look forward to helping you reach your financing goals.
Licensed in FL and WA.
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.
