Since 1996, David has helped individuals and families secure the right mortgage solutions. As a founder of The Arbor Financial Group, he combines deep industry knowledge and personal dedication to ensure you achieve your dream of homeownership.
Licensed in AL, AK, AZ, AK, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, WA
MBA. CFP®
NMLS #298701 DRE #01236224
Discover why clients choose David for their mortgage needs.
Whether you’re buying your first home, upgrading, refinancing, or investing, David Arvidson, MBA, CFP® offers tailored mortgage solutions backed by decades of experience. With expert guidance and a client-first approach, David helps you navigate the path to homeownership with clarity and confidence.
A popular and flexible option, conventional loans are ideal for borrowers with solid credit and steady income. David Arvidson works closely with you to offer competitive rates, low fees, and customizable loan terms that suit your financial goals. Whether you’re purchasing or refinancing, conventional home loans provide a reliable path to property ownership.
Looking for a low down payment and easier qualification? FHA loans are government-backed and designed to help more people become homeowners. David Arvidson guides you through the process, making FHA home loans a great fit for those with moderate credit or limited savings. Get approved with ease and move closer to owning your home.
If you’re a veteran, active-duty service member, or eligible surviving spouse, a VA loan could offer the home financing benefits you’ve earned. With zero down payment, no mortgage insurance, and competitive interest rates, VA home loans are a powerful option. David Arvidson proudly helps those who’ve served by simplifying the VA loan process.
Purchasing a high-value home? Jumbo loans allow you to finance above conforming loan limits. David Arvidson offers tailored jumbo mortgage solutions with flexible underwriting, competitive rates, and personalized service for high-net-worth clients. Ideal for luxury buyers who need more borrowing power.
Self-employed borrowers often face hurdles with traditional loans. David Arvidson provides flexible, personalized mortgage solutions that take into account your entire financial profile. Whether you’re a freelancer, consultant, or business owner, you’ll get custom options that work with your income structure and long-term goals.
Non-QM loans are designed for borrowers who don’t meet traditional lending criteria. Whether you have unique income sources, recent credit events, or unconventional employment, David Arvidson helps you explore flexible mortgage solutions. These loans offer greater adaptability while maintaining responsible lending standards.
Perfect for the self-employed, bank statement loans use 12–24 months of deposits to verify income—no tax returns required. David Arvidson helps business owners and entrepreneurs qualify for a mortgage using real income data, offering a practical and efficient alternative to standard documentation loans.
Looking to grow your real estate portfolio? David Arvidson offers smart investment property loan options, whether you’re buying your first rental or expanding your holdings. From single-family rentals to multi-unit properties, get tailored financing that aligns with your investment strategy and maximizes your returns.
Don’t let the lack of a Social Security Number stop you from buying a home. With ITIN loans, David Arvidson helps individuals using Individual Taxpayer Identification Numbers gain access to reliable mortgage options. These loans are designed for non-citizen residents ready to take the next step toward homeownership.
Whether you’re looking to lower your interest rate, change your loan term, or switch from an adjustable-rate to a fixed mortgage, David offers Refinance Home Loans to help you save. With a streamlined process and personalized attention, David ensures your refinance aligns with your goals.
Need funds for home upgrades, tuition, or debt consolidation? A cash-out refinance replaces your current loan with a new one, allowing you to withdraw the difference in cash. David Arvidson helps you explore this option to make the most of your home equity while maintaining a solid financial foundation.
Dreaming of customizing your home or starting from scratch? David Arvidson offers renovation loans and construction financing that bundle costs into one convenient mortgage. Perfect for fixer-uppers or new builds, these loans support you from planning through completion with expert oversight and streamlined funding.
For eligible rural and suburban buyers, USDA loans offer 100% financing with no down payment and low mortgage insurance. David Arvidson helps you check eligibility and navigate the process to secure a USDA home loan that makes buying in qualified areas more accessible and affordable.
Buying your first home is a big step, and David Arvidson is here to make it smooth and affordable. With programs designed specifically for first-time homebuyers, including down payment assistance (DPA), you can take advantage of low out-of-pocket costs, flexible credit requirements, and expert mortgage guidance. Let David help you unlock the door to homeownership with confidence.
For homeowners aged 62+, David offers Reverse Mortgages that allow you to convert your equity into tax-free cash without selling your home. Whether you want to eliminate your mortgage payment, fund retirement, or purchase a new home, David ensures clarity and care throughout the process.
David Arvidson is a founding member of Arbor Financial Group, bringing nearly three decades of experience in the financial services and mortgage industry. With a career that began in 1996, David has consistently delivered exceptional results and client-focused service. Prior to launching his own financial services company in 2001, he played a key role in developing an online finance and insurance platform in collaboration with Autobytel, GE, MetLife, and Lending Tree.
David holds a Bachelor of Science from the University of Southern California, an MBA from the University of Notre Dame, and a certificate in Personal Financial Planning from the University of California, Irvine. In 2013, he achieved the distinguished designation of Certified Financial Planner™ (CFP®), awarded by the CFP® Board of Standards.
David is passionate about helping clients align their financial goals with smart mortgage solutions, delivering personalized strategies with integrity and care.
States Licensed: AL, AK, AZ, AK, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, WA
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.
When it comes to securing the right home loan, experience matters. David Arvidson, MBA, CFP® brings nearly three decades of success in the financial services industry and is a founding partner of Arbor Financial Group, one of the most trusted names in mortgage lending.
With David, you’re not just getting a loan—you’re getting a long-term partner. His background in financial planning, deep understanding of mortgage products, and personalized approach ensure that every solution is tailored to your goals. Whether you’re a first-time homebuyer, self-employed, a veteran, or looking to invest, David provides expert insight, transparent communication, and unmatched dedication from start to finish.
At Arbor Financial Group, you gain access to a wide range of competitive loan options, fast approvals, and a team that’s committed to putting your needs first. Together, David and Arbor make financing your home simple, strategic, and stress-free—no matter where you are in your homeownership journey.
Have questions about home loans or the mortgage process? You’re not alone. David Arvidson, MBA, CFP®, provides clear, honest answers to help you make informed decisions with confidence. Explore the FAQs below or reach out directly for personalized support.
David Arvidson offers a wide range of home loan options, including Conventional, FHA, VA, Jumbo, First-Time Homebuyer Programs, Bank Statement Loans, Self-Employed Mortgage Solutions, Non-QM Loans, ITIN Loans, HELOCs, USDA Loans, Renovation & Construction Loans, and more. Each loan is tailored to your specific needs and financial goals.
Choosing the right mortgage depends on several factors—your income, credit score, down payment, future plans, and more. David personally walks you through your options, helping you compare terms, rates, and requirements so you can confidently select the home loan that best fits your situation.
In many cases, pre-approvals can be completed in 24–48 hours, and full approvals depend on the complexity of your file. David works efficiently with the Arbor Financial Group team to keep your application moving quickly—often closing loans in as little as 15–30 days.
Yes! David offers a variety of refinance solutions, including rate-and-term refinancing, cash-out refinance, and options tailored to current market conditions. Whether you’re looking to lower your monthly payment or access equity, he’ll help you explore the best path forward.
As a Certified Financial Planner™ (CFP®), David brings a holistic view of your financial picture—going beyond the transaction to help you choose a mortgage that supports your long-term wealth and financial health. His advice is strategic, trusted, and always in your best interest.
Not necessarily. Many programs offer low or even zero down payment options, including FHA, VA, USDA, and First-Time Buyer Programs with Down Payment Assistance (DPA). David will help you understand what you qualify for and how to keep your upfront costs manageable.
You don’t need perfect credit to qualify. FHA, Non-QM, and DPA programs are designed to help borrowers with moderate to low credit scores. David will work with you to review your credit profile and help you find realistic options to move forward.
Absolutely. David specializes in helping self-employed borrowers through flexible programs like Bank Statement Loans and Non-QM Loans, which allow you to qualify without traditional W-2s or tax returns. These options are ideal for business owners, freelancers, and independent contractors.
David Arvidson is licensed in AL, AK, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, and WA. If you’re located in any of these states, he can help you with your home financing needs.
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.
Getting started is easy. You can apply online, schedule a consultation, or reach out directly via phone or email. David will guide you through the next steps, answer any questions, and help you move forward with confidence.
Arbor Financial Group offering
personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
States Licensed: AL, AK, AZ, AK, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, NV, OR, TX, WA
Sitemap | Privacy Policy | Terms and Conditions | Disclaimers | NMLS Consumer Access
