# David Arvidson | MBA. CFP | Arbor Financial Group


## Posts

- [Should You Pay Off Your Mortgage Early or Invest? How to Decide in 2026](https://whydavidarvidson.com/pay-off-mortgage-early-or-invest/): Prepaying a 7% mortgage earns a guaranteed 7%. Here is how that compares with investing, how 2026 tax rules change the answer, and the order a financial planner would follow before paying extra.
- [Getting a Mortgage in Retirement: How Lenders Count Your Income and Assets](https://whydavidarvidson.com/mortgage-in-retirement/): Retirees can get a mortgage at any age. Here is how lenders count Social Security, pensions and retirement withdrawals, how Fannie Mae and Freddie Mac turn savings into qualifying income, and when a HECM for Purchase fits.
- [Mortgage Points Explained: When Buying Down Your Rate Pays Off](https://whydavidarvidson.com/mortgage-points-explained/): One point costs 1% of your loan and buys a lower rate for the life of the loan. Here is how to calculate your break even month, how the IRS treats points and when a seller paid 2/1 buydown is the better deal.
- [15 Year vs 30 Year Mortgage: How to Choose the Right Term in 2026](https://whydavidarvidson.com/15-year-vs-30-year-mortgage/): A 15 year mortgage saves about $337,000 of interest on a $400,000 loan but costs about $798 more a month. Here is how the two terms compare at 2026 rates and how to decide which one fits your financial plan.

## Pages

- [Thank You](https://whydavidarvidson.com/thank-you/): Thank You! 🎉 We’ve received your information, and we’re excited to help you explore your home loan options!
- [Find My Best Mortgage](https://whydavidarvidson.com/find-my-best-mortgage/)
- [Home](https://whydavidarvidson.com/): Expert Mortgage Guidance for Your Next Home 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, […]
- [Apply Now](https://whydavidarvidson.com/apply-now/)
- [Mortgage Calculator](https://whydavidarvidson.com/mortgage-calculator/): Mortgage Calculator Estimate your full monthly housing payment, loan cost, and payoff timeline. Home price Down payment Down payment type $ amountPercentage Loan amount Interest rate Annual percentage rate. Loan term 10 years15 years20 years25 years30 years Start month JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember Start year Advanced Options Annual property tax Property tax type $ per yearPercentage of home […]

## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/whydavidarvidson.com/mcp)

[comment]: # (Generated by Hostinger Tools Plugin)