Home Loans in Orange County, CA

Arbor Home Loans provides a comprehensive suite of mortgage options to cater to diverse financial situations and goals:

Conventional Mortgage

A conventional mortgage is a traditional home loan that is not insured or guaranteed by the government. Ideal for borrowers with good credit and a stable income, this option typically offers competitive interest rates and flexible terms.

Adjustable Rate Mortgage (ARM)

An ARM offers an initial fixed interest rate period, followed by periodic adjustments based on market conditions. This loan can be a great choice if you plan to move or refinance within a few years, as the initial rates are often lower than those of fixed-rate mortgages.

Jumbo Home Loan

Designed for luxury properties and high-value homes, jumbo loans exceed the limits set by Fannie Mae and Freddie Mac. These loans require a higher credit score and a larger down payment but can offer competitive rates for qualified borrowers.

Bank Statement Loan

Perfect for self-employed individuals or those with non-traditional income, bank statement loans use your bank deposits to determine your ability to repay the loan. This option bypasses the need for traditional income verification through tax returns or pay stubs.

Home Equity Line of Credit (HELOC)

A HELOC allows you to borrow against the equity in your home, providing a flexible line of credit that you can use for various purposes, such as home improvements or debt consolidation. With variable interest rates, you can access funds as needed up to your credit limit.

DSCR Home Loan

Debt Service Coverage Ratio (DSCR) loans are tailored for real estate investors. These loans focus on the property’s income potential rather than the borrower’s personal income, making them ideal for expanding your investment portfolio.

FHA Home Loan

Backed by the Federal Housing Administration, FHA loans are designed for borrowers with lower credit scores and smaller down payments. These loans are a great option for first-time homebuyers looking to enter the housing market.

VA Home Loan

Available to veterans, active-duty service members, and eligible spouses, VA loans offer favorable terms, including no down payment and no private mortgage insurance (PMI). These benefits make homeownership more accessible for those who have served our country.

Hard Money Loan

Hard money loans are short-term financing solutions based on the value of the property rather than the borrower’s creditworthiness. These loans are often used for quick purchases, property flips, or situations where traditional financing is not available.

Foreclosure Bailout Loan

Designed to help homeowners avoid foreclosure, these loans provide the necessary funds to bring mortgage payments current. This option can be a lifeline for those facing financial hardship and the threat of losing their home.