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.
A home loan affects more than your housing payment. These answers help you prepare for a conversation with David Arvidson about cash flow, savings and the tradeoffs between mortgage options.
Start with the payment your household can sustain while saving for other goals. Include property taxes, insurance, association dues, maintenance and existing debts. A lender’s maximum approval is a borrowing limit; it is not a recommendation to spend that amount.
A larger down payment can reduce borrowing costs, but it also leaves less money available for emergencies and other priorities. Compare several amounts with David, including the effect on mortgage insurance. Keep closing costs and the cash you want available after moving separate from the down payment.
A shorter term typically requires more each month and can reduce total interest. A longer term generally offers more monthly flexibility but can cost more over time. Compare actual quotes and the remaining balance at the point you expect to move, refinance or retire.
Self-employment does not automatically require a specialty loan. Standard underwriting can evaluate tax returns, business results and allowable income adjustments. If an alternative documentation program is considered, compare its costs and qualifying calculation with the standard route before choosing it.
Points are an upfront cost in exchange for a lower rate. Compare that cost with the payment savings over your likely holding period, while accounting for the cash you give up today. Selling or refinancing before recovering the cost can change the value of the decision.
Identify the goal first: a shorter term, a different payment structure or access to equity. Then compare closing costs, the new balance and interest over the time you expect to keep the loan. A smaller payment achieved by restarting a long term can increase lifetime borrowing costs.
Bring your property location, estimated budget, income sources, debt payments and available savings. Mention upcoming changes such as a move or retirement. David works with ARBOR Financial Group; use this site’s consultation or application links, and send financial documents through the designated secure process.
No. A preapproval reflects the information reviewed and can include conditions. The property, verified finances and any changes before closing still matter. Ask what has been checked, what remains outstanding and how long the approval and any rate lock remain valid.
Information checked September 6, 2026. Sources: CFPB: Mortgage costs · CFPB: Preapproval and prequalification · CFPB: Comparing Loan Estimates · Fannie Mae: Self-employed income.
