Since 1996, David has helped individuals and families secure the right mortgage solutions. As a founding partner of ARBOR Financial Group, he combines deep industry expertise with a personalized approach to help clients achieve their homeownership goals.
Licensed in AL, AK, AZ, 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
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
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
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 experience in financial services and is a founding partner of ARBOR Financial Group, one of the most trusted names in mortgage lending.
David combines his background in financial planning with deep mortgage expertise to help clients choose the right financing strategy for their goals. Whether you are buying your first home, refinancing, self employed, a veteran, or investing in property, he provides clear guidance and personalized solutions every step of the way.
Through ARBOR Financial Group, clients gain access to competitive loan options, efficient approvals, and a team dedicated to making the mortgage process simple, transparent, and stress free.
Buying a home is one of the biggest financial decisions you will make. Here are answers to the most common mortgage questions about pre approval, credit requirements, down payments, and loan options so you can move forward with clarity and confidence.
Getting pre approved starts with reviewing your income, credit, assets, and debts with a lender. After submitting basic financial documents, the lender determines how much you may qualify to borrow and issues a pre approval letter. This helps you shop for homes confidently and shows sellers you are a serious buyer.
Your home buying budget depends on income, existing debts, credit score, down payment, and current interest rates. Lenders evaluate your debt to income ratio to determine a comfortable monthly mortgage payment. A mortgage consultation helps identify a realistic price range before you begin your home search.
Credit score requirements vary depending on the loan program. Many conventional loans start around 620, while FHA programs may allow lower scores depending on the borrower’s profile. Higher credit scores often help borrowers qualify for better interest rates and more flexible loan options.
Down payment requirements depend on the loan program. Some conventional loans allow as little as 3 percent down, FHA loans typically require around 3.5 percent, and VA loans may allow eligible borrowers to purchase with zero down. There are also assistance programs that may help reduce upfront costs.
Yes. Many first time buyers qualify for loan programs designed to make homeownership more accessible. These may include FHA loans, low down payment conventional loans, and down payment assistance programs. A mortgage advisor can review available options and determine which program fits your financial situation.
David Arvidson provides personalized mortgage guidance focused on helping buyers secure the right loan for their goals. Instead of offering a one size fits all solution, he reviews each borrower’s financial situation, explains available options clearly, and helps guide clients from pre approval through closing.
