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.
Our Conventional Home Loans offer competitive interest rates and flexible terms, ideal for borrowers with solid credit histories. Designed to help you secure your dream home, these loans provide a straightforward process and diverse options. Enjoy clear guidelines and customizable financing plans that meet your needs while fostering long-term financial stability, making homeownership an accessible and rewarding achievement.
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.
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 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.
Hi, I’m Ryan Henderson, Loan Officer with Quantum Lending, proudly powered by Arbor Financial Group. I serve clients across California, helping them find smart, personalized home loan solutions that support their goals and financial future.
Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I’m here to guide you through the mortgage process with clarity and care. My approach is centered on clear communication, honest advice, and a smooth, stress free experience from start to finish.
With the strength and resources of Arbor Financial Group behind me, you can expect expert support and competitive options backed by industry experience you can trust.
Licensed in: California
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.
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.
Ready to take the next step? Whether you’re buying your first home, refinancing, or exploring your loan options, we’re here to help. Get in touch today and let our experts guide you through a smooth and stress-free home loan process. Your journey to the perfect home starts now.
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.
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!
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