WHY CHOOSE US FOR ALL YOUR ORANGE COUNTY MORTGAGE NEEDS?
Arbor Financial Group puts the customer first. Always.
Tim Storm, Mortgage Advisor with Arbor Financial, has over 33 years of experience working with home buyers in Orange County, specializing in VA and FHA loans.
Tim has years of experience with Conventional loans and Jumbo loans as well.
VA Loans
VA Loans allow for no down payment financing. In Orange County, there is no loan limit for 100% financing using the VA loan. It is possible to purchase a $2,000,000 home with $0 down.
* Arbor Financial Group is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
FHA Loans
FHA is a popular loan program for first-time buyers. But it also serves move-up buyers very well. The Orange County loan limit is $1,089,300 and only requires a 3.5% down payment. *
* Arbor Financial Group is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Conventional Loans
A conventional mortgage is a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae. These include portfolio and construction loans.
Jumbo Loans
A Jumbo, or non-conforming loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac.
I’ll Guide You Through the Loan Process
The loan process can be easy, if you choose the right company and right Loan Officer. I focus on helping home buyers and owners in Orange County, CA with their home financing and have over 33 years experience closing loans. While I am known by many in the industry as specializing in FHA and VA loans, I have also extensive experience with Conventional Fannie Mae/Freddie Mac and Jumbo loan programs. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with Loan PreApproval. Loan PreApproval is Free. While many lender charge a fee for the credit report and an application fee, we do not charge any fees for Loan PreApproval.**
**A Prequalification is not an approval of credit and does not signify that underwriting requirements have been met.
Start the Pre-Approval Process >> ***
***PreApproval is based on a preliminary review of credit information provided to Arbor Financial Group that underwriting has not reviewed. Final approval is subject to a full Underwriting review of support documentation, including applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.
Let Tim Storm Show You How
“Most sellers will not even entertain an offer from a buyer unless they have been PreApproved by a Lender”
Even if you have been Pre-Qualified by another lender, it will be worth your while to have me prepare custom loan scenarios along with a video explanation of the scenarios. The video explanation is a unique way of thoroughly explaining the loan process.
When you are ready for a unique loan shopping experience please call me directly at 949.829.1846
You will be working directly me, Tim Storm.
WHY CHOOSE US FOR ALL YOUR ORANGE COUNTY MORTGAGE NEEDS?
Arbor Financial Group puts the customer first. Always.
Tim Storm, Mortgage Advisor with Arbor Financial, has over 33 years of experience working with home buyers in Orange County, specializing in VA and FHA loans.
Tim has years of experience with Conventional loans and Jumbo loans as well.
VA Loans
VA Loans allow for no down payment financing. In Orange County, there is no loan limit for 100% financing using the VA loan. It is possible to purchase a $2,000,000 home with $0 down.
* Arbor Financial Group is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
FHA Loans
FHA is a popular loan program for first-time buyers. But it also serves move-up buyers very well. The Orange County loan limit is $1,089,300 and only requires a 3.5% down payment. *
* Arbor Financial Group is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Conventional Loans
A conventional mortgage is a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae. These include portfolio and construction loans.
Jumbo Loans
A Jumbo, or non-conforming loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac.
I’ll Guide You Through the Loan Process
The loan process can be easy, if you choose the right company and right Loan Officer. I focus on helping home buyers and owners in Orange County, CA with their home financing and have over 33 years experience closing loans. While I am known by many in the industry as specializing in FHA and VA loans, I have also extensive experience with Conventional Fannie Mae/Freddie Mac and Jumbo loan programs. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with Loan PreApproval. Loan PreApproval is Free. While many lender charge a fee for the credit report and an application fee, we do not charge any fees for Loan PreApproval.**
**A Prequalification is not an approval of credit and does not signify that underwriting requirements have been met.
Start the Pre-Approval Process >> ***
***PreApproval is based on a preliminary review of credit information provided to Arbor Financial Group that underwriting has not reviewed. Final approval is subject to a full Underwriting review of support documentation, including applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.
Let Tim Storm Show You How
“Most sellers will not even entertain an offer from a buyer unless they have been PreApproved by a Lender”
Even if you have been Pre-Qualified by another lender, it will be worth your while to have me prepare custom loan scenarios along with a video explanation of the scenarios. The video explanation is a unique way of thoroughly explaining the loan process.
When you are ready for a unique loan shopping experience please call me directly at 949.829.1846
You will be working directly me, Tim Storm.