About Us

Arbor Financial Group Top Rated Orange County Mortgage Broker is a leading mortgage broker and lender, real estate and insurance firm dedicated to help customers in Tustin Orange County CA with their mortgage & real estate needs

Products & Services
Purchase, refinance, reverse mortgage, commercial & Residential.
Recommendations Given (3)
"I have worked with Heather Hill for over a decade. I was so happy to see that she had branched..." Read more "I have worked with Heather Hill for over a decade. I was so happy to see that she had branched out and started her own company! I will be happy to recommend Heather to more loan officers. "
"Kevin does a super job! He has been my insurance agent for several years."
Recent Activity

Nathan from ARBOR Financial Group Answered this on June 26, 2018
I hope this does not lead to more fraud in the industry.  Only time and additional analysis will tell.  (more) I hope this does not lead to more fraud in the industry.  Only time and additional analysis will tell. 

Nathan from ARBOR Financial Group Answered this on May 04, 2018
Hi Andy, I am sure that you are qualified to do many things.  You need connect to your new purpose. The better question is....What do you want to do?  What do you love to do?  Do that! Your inner knowing will manifest the opportunity of your dreams. Happy Friday! (more) Hi Andy, I am sure that you are qualified to do many things.  You need connect to your new purpose. The better question is....What do you want to do?  What do you love to do?  Do that! Your inner knowing will manifest the opportunity of your dreams. Happy Friday!

Nathan from ARBOR Financial Group Answered this on May 04, 2018
What is your why?  It is a great question that explains what drives an individual.  Everybody has a reason to get up and work hard every morning.  Is it to provide a better life for your family? Is it a sport you like to play? What is your why?  (more) What is your why?  It is a great question that explains what drives an individual.  Everybody has a reason to get up and work hard every morning.  Is it to provide a better life for your family? Is it a sport you like to play? What is your why? 

Nathan from ARBOR Financial Group Answered this on April 29, 2018
No, and loan officers are not able to descriminate based on age. The borrower must be old enough to enter into the contract, and they must be able to document the ability to repay the loan. (more) No, and loan officers are not able to descriminate based on age. The borrower must be old enough to enter into the contract, and they must be able to document the ability to repay the loan.

Nathan from ARBOR Financial Group Answered this on April 19, 2018
Hi Charlie, I would go with a targeted approach if you are going to do this.  Zillow is not a good option.  I don't buy leads, but I can tell you are intrigued  by the prospect of a test.  Best of luck! (more) Hi Charlie, I would go with a targeted approach if you are going to do this.  Zillow is not a good option.  I don't buy leads, but I can tell you are intrigued  by the prospect of a test.  Best of luck!

Nathan from ARBOR Financial Group Answered this on April 11, 2018
I would write them a handwritten thank you.  Every salesperson should have a stack of handmade cards to write thank you letters at their desk.  They will know that you appreciate them as much as they appreciate you. Make it personal, it will go a long way. (more) I would write them a handwritten thank you.  Every salesperson should have a stack of handmade cards to write thank you letters at their desk.  They will know that you appreciate them as much as they appreciate you. Make it personal, it will go a long way.
1 Reply

Nathan from ARBOR Financial Group Answered this on March 29, 2018
I help my clients solve income and credit problems in order to help them purchase their home. We have several bank statement qualifying programs that can make a self employed person's dream of home ownership come true. I also help my clients with their credit, which can make the difference when... (more) I help my clients solve income and credit problems in order to help them purchase their home. We have several bank statement qualifying programs that can make a self employed person's dream of home ownership come true. I also help my clients with their credit, which can make the difference when it comes to getting the best program. Down payment assistance and mortgage credit certificates are very popular with first time home buyers. Great question!

Nathan from ARBOR Financial Group Answered this on March 29, 2018
I see clients who need some credit guidance from time to time. Some of them had problems in the past, and some don't understand the criteria the different credit scoring models use. There are over 100 credit scoring models. Most times, it can be a small adjustment that we can make and rescore... (more) I see clients who need some credit guidance from time to time. Some of them had problems in the past, and some don't understand the criteria the different credit scoring models use. There are over 100 credit scoring models. Most times, it can be a small adjustment that we can make and rescore the file. There are some cases that have overwhelming data reported against them. When I come across the major derogatory files, I will utilize the help of a credit repair company. I have had great success with my credit professional over the years. They say time heals all wounds, but sometimes a professional is needed.

Nathan from ARBOR Financial Group Answered this on March 26, 2018
Hi Roger, I think you confuse people when you cross over from real estate to mortgage, or the other way around. It is hard to take anybody who does that seriously. It takes a lot of dedication to be the best at what you do, and to have people see that, rather than you telling them this much. ... (more) Hi Roger, I think you confuse people when you cross over from real estate to mortgage, or the other way around. It is hard to take anybody who does that seriously. It takes a lot of dedication to be the best at what you do, and to have people see that, rather than you telling them this much. You would be better off sticking to one discipline, and working to become the expert on that particular discipline. Your will also avoid alienating other people in your respective industries. Networking with business leaders is a big part of your future success. This may help you get more business. Good luck!

Nathan from ARBOR Financial Group Answered this on February 19, 2018
There are no fancy words to overcome this objection. They are not committed to you, and they may not want to be pressured by you any further at this point. If you are interested in earning the clients business, you need to understand this. Let them know that you hear them, and admit that you... (more) There are no fancy words to overcome this objection. They are not committed to you, and they may not want to be pressured by you any further at this point. If you are interested in earning the clients business, you need to understand this. Let them know that you hear them, and admit that you may have felt the same way at one point in your life. It's ok, let them know that your heart is in the right place. We don't do this only for financial compensation, so detach from the outcome.

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Loan Officer NMLS #188608