Mortgage Specialists in Southern California

As mortgage specialists, Arbor Home Loans is committed to providing personalized service and expert advice to help you find the best mortgage solution for your needs. Our expertise covers a wide array of loan options designed to accommodate various financial situations and goals:

• Conventional Mortgage: A conventional mortgage is ideal for those with good credit and a stable income. It offers competitive interest rates and flexible terms, making it a popular choice for many homeowners.

• Adjustable Rate Mortgage (ARM): An Adjustable Rate Mortgage offers a lower initial interest rate that adjusts periodically. This type of loan is perfect for borrowers who plan to sell or refinance before the adjustment period begins.
• Jumbo Home Loan: For those purchasing high-value properties, a Jumbo Home Loan provides the necessary financing beyond the limits of conventional loans. This option offers flexible terms and competitive rates for luxury home buyers.
• Bank Statement Loan: Ideal for self-employed borrowers, a Bank Statement Loan uses bank statements to verify income instead of traditional documentation. This loan caters to those with irregular income streams.
• Home Equity Line of Credit (HELOC): A HELOC allows homeowners to borrow against the equity in their home. It provides flexible access to funds for home improvements, debt consolidation, or other financial needs.
• DSCR Home Loan: Debt Service Coverage Ratio (DSCR) Home Loans are tailored for real estate investors. They focus on the cash flow generated by the property rather than the borrower’s income, making it easier to qualify.
• FHA Home Loan: The Federal Housing Administration (FHA) Home Loan is designed for low-to-moderate-income borrowers. It offers lower down payments and more lenient credit requirements, making homeownership accessible to more people.
• VA Home Loan: For veterans, active-duty service members, and eligible family members, the VA Home Loan provides significant benefits, including no down payment and competitive interest rates.
• Hard Money Loan: Hard Money Loans are short-term loans secured by real estate. They are ideal for borrowers who need quick financing and have properties to use as collateral.

• Foreclosure Bailout Loan: A Foreclosure Bailout Loan helps homeowners facing foreclosure. This loan provides the funds needed to pay off the existing mortgage and avoid losing the home.