Hi, my name is Rick Apodaca, an Orange County native and founder of Arbor Home Loans. Arbor Home Loans has access to over 150 banks, ensuring you get the best loan possible. When banks compete, you win!

We are focused on customer service and providing personalized mortgage solutions tailored to your unique situation. Arbor Home Loans uses the latest technology to make the home loan process transparent, simplified, and easy to understand with digestible lending solutions.

Arbor Home Loans specializes in first-time homebuyers, down payment assistance programs, refinance, property improvement loans, FHA, VA, HELOCs, bank statement home loans, debt service coverage ratio (DSCR) loans, foreign national (ITIN) loans, hard money loans, and foreclosure bailout loans. Every loan scenario is unique, and the experts at Arbor Home Loans properly structure each loan submission to prevent delays and ensure you get the best home loan possible.

The journey doesn’t start and end with a single transaction. We are your lender and home loan expert for life.