Since 1996, David has helped individuals and families secure the right mortgage solutions. As a founder of The Arbor Financial Group, he combines deep industry knowledge and personal dedication to ensure you achieve your dream of homeownership.
Licensed in AL, AK, AZ, AK, 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
Discover why clients choose David for their mortgage needs.
Whether you’re buying your first home, upgrading, refinancing, or investing, David Arvidson, MBA, CFP® offers tailored mortgage solutions backed by decades of experience. With expert guidance and a client-first approach, David helps you navigate the path to homeownership with clarity and confidence.
A popular and flexible option, conventional loans are ideal for borrowers with solid credit and steady income. David Arvidson works closely with you to offer competitive rates, low fees, and customizable loan terms that suit your financial goals. Whether you’re purchasing or refinancing, conventional home loans provide a reliable path to property ownership.
Looking for a low down payment and easier qualification? FHA loans are government-backed and designed to help more people become homeowners. David Arvidson guides you through the process, making FHA home loans a great fit for those with moderate credit or limited savings. Get approved with ease and move closer to owning your home.
If you’re a veteran, active-duty service member, or eligible surviving spouse, a VA loan could offer the home financing benefits you’ve earned. With zero down payment, no mortgage insurance, and competitive interest rates, VA home loans are a powerful option. David Arvidson proudly helps those who’ve served by simplifying the VA loan process.
Purchasing a high-value home? Jumbo loans allow you to finance above conforming loan limits. David Arvidson offers tailored jumbo mortgage solutions with flexible underwriting, competitive rates, and personalized service for high-net-worth clients. Ideal for luxury buyers who need more borrowing power.
Self-employed borrowers often face hurdles with traditional loans. David Arvidson provides flexible, personalized mortgage solutions that take into account your entire financial profile. Whether you’re a freelancer, consultant, or business owner, you’ll get custom options that work with your income structure and long-term goals.
Non-QM loans are designed for borrowers who don’t meet traditional lending criteria. Whether you have unique income sources, recent credit events, or unconventional employment, David Arvidson helps you explore flexible mortgage solutions. These loans offer greater adaptability while maintaining responsible lending standards.
Perfect for the self-employed, bank statement loans use 12–24 months of deposits to verify income—no tax returns required. David Arvidson helps business owners and entrepreneurs qualify for a mortgage using real income data, offering a practical and efficient alternative to standard documentation loans.
Looking to grow your real estate portfolio? David Arvidson offers smart investment property loan options, whether you’re buying your first rental or expanding your holdings. From single-family rentals to multi-unit properties, get tailored financing that aligns with your investment strategy and maximizes your returns.
Don’t let the lack of a Social Security Number stop you from buying a home. With ITIN loans, David Arvidson helps individuals using Individual Taxpayer Identification Numbers gain access to reliable mortgage options. These loans are designed for non-citizen residents ready to take the next step toward homeownership.
Whether you’re looking to lower your interest rate, change your loan term, or switch from an adjustable-rate to a fixed mortgage, David offers Refinance Home Loans to help you save. With a streamlined process and personalized attention, David ensures your refinance aligns with your goals.
Need funds for home upgrades, tuition, or debt consolidation? A cash-out refinance replaces your current loan with a new one, allowing you to withdraw the difference in cash. David Arvidson helps you explore this option to make the most of your home equity while maintaining a solid financial foundation.
Dreaming of customizing your home or starting from scratch? David Arvidson offers renovation loans and construction financing that bundle costs into one convenient mortgage. Perfect for fixer-uppers or new builds, these loans support you from planning through completion with expert oversight and streamlined funding.
For eligible rural and suburban buyers, USDA loans offer 100% financing with no down payment and low mortgage insurance. David Arvidson helps you check eligibility and navigate the process to secure a USDA home loan that makes buying in qualified areas more accessible and affordable.
Buying your first home is a big step, and David Arvidson is here to make it smooth and affordable. With programs designed specifically for first-time homebuyers, including down payment assistance (DPA), you can take advantage of low out-of-pocket costs, flexible credit requirements, and expert mortgage guidance. Let David help you unlock the door to homeownership with confidence.
For homeowners aged 62+, David offers Reverse Mortgages that allow you to convert your equity into tax-free cash without selling your home. Whether you want to eliminate your mortgage payment, fund retirement, or purchase a new home, David ensures clarity and care throughout the process.
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
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.
Your financial situation is unique, and your mortgage should be too. We tailor loan options to fit your needs, ensuring a seamless experience whether you’re a first-time homebuyer, self-employed, or refinancing.
Get the best of both worlds—low interest rates and loan terms that work for you. We offer competitive financing options designed to fit your budget and long-term goals.
Navigating home financing can feel overwhelming, but we’re here to make it simple. Our experts walk you through every step, ensuring a smooth and stress-free experience.
Wherever you’re looking to buy, we’ve got you covered. Our nationwide lending expertise means we can help you secure the right loan, no matter where you call home.
Time is of the essence when securing your home. Our streamlined process ensures quick approvals, so you can move forward with confidence—without unnecessary delays.
Traditional loans don’t fit everyone. Whether you’re self-employed, an investor, or a non-traditional borrower, we offer flexible financing options to meet your unique needs.
We keep you informed at every step. With clear updates, proactive support, and expert advice, we make sure you always know what’s next in your loan journey.
Experience matters when it comes to home financing. Our dedicated team of mortgage professionals brings knowledge, integrity, and a customer-first approach to every loan we handle.
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 success in the financial services industry and is a founding partner of Arbor Financial Group, one of the most trusted names in mortgage lending.
With David, you’re not just getting a loan—you’re getting a long-term partner. His background in financial planning, deep understanding of mortgage products, and personalized approach ensure that every solution is tailored to your goals. Whether you’re a first-time homebuyer, self-employed, a veteran, or looking to invest, David provides expert insight, transparent communication, and unmatched dedication from start to finish.
At Arbor Financial Group, you gain access to a wide range of competitive loan options, fast approvals, and a team that’s committed to putting your needs first. Together, David and Arbor make financing your home simple, strategic, and stress-free—no matter where you are in your homeownership journey.
Have questions about home loans or the mortgage process? You’re not alone. David Arvidson, MBA, CFP®, provides clear, honest answers to help you make informed decisions with confidence. Explore the FAQs below or reach out directly for personalized support.
David Arvidson offers a wide range of home loan options, including Conventional, FHA, VA, Jumbo, First-Time Homebuyer Programs, Bank Statement Loans, Self-Employed Mortgage Solutions, Non-QM Loans, ITIN Loans, HELOCs, USDA Loans, Renovation & Construction Loans, and more. Each loan is tailored to your specific needs and financial goals.
Choosing the right mortgage depends on several factors—your income, credit score, down payment, future plans, and more. David personally walks you through your options, helping you compare terms, rates, and requirements so you can confidently select the home loan that best fits your situation.
In many cases, pre-approvals can be completed in 24–48 hours, and full approvals depend on the complexity of your file. David works efficiently with the Arbor Financial Group team to keep your application moving quickly—often closing loans in as little as 15–30 days.
Yes! David offers a variety of refinance solutions, including rate-and-term refinancing, cash-out refinance, and options tailored to current market conditions. Whether you’re looking to lower your monthly payment or access equity, he’ll help you explore the best path forward.
As a Certified Financial Planner™ (CFP®), David brings a holistic view of your financial picture going beyond the transaction to help you choose a mortgage that supports your long-term wealth and financial health. His advice is strategic, trusted, and always in your best interest.
Not necessarily. Many programs offer low or even zero down payment options, including FHA, VA, USDA, and First-Time Buyer Programs with Down Payment Assistance (DPA). David will help you understand what you qualify for and how to keep your upfront costs manageable.
Why choose a conventional home loan for your next purchase?
A conventional loan is a traditional mortgage that follows Fannie Mae and Freddie Mac guidelines and is not backed by a government agency. It rewards strong credit and stable income with competitive interest rates and flexible terms. If you have good credit and the ability to make a moderate down payment, this loan can help you build equity quickly and avoid the added cost of government mortgage insurance.
How can an FHA loan make buying a home easier?
An FHA loan is insured by the Federal Housing Administration and designed for buyers who need more flexibility. It allows a down payment as low as 3.5 percent and accepts a wider range of credit scores. This program is a smart path to homeownership for first-time buyers or anyone who needs more forgiving credit and income guidelines.
What makes a VA home loan one of the best options for veterans?
A VA loan is backed by the Department of Veterans Affairs and is available to eligible service members, veterans and some surviving spouses. It offers no down payment, no monthly mortgage insurance and often lower interest rates. For those who have served, it is one of the most affordable ways to buy or refinance a home.
Why consider a USDA loan when buying in a rural or suburban area?
A USDA loan is a government-backed mortgage for eligible properties outside major cities. It provides 100 percent financing, meaning no down payment, and offers competitive interest rates. It is an excellent choice if you want an affordable way to buy a home in a qualifying rural or suburban community.
How can down payment assistance help first-time buyers?
First-time homebuyer programs and down payment assistance help reduce the biggest upfront cost of purchasing a home. These programs may provide grants or forgivable loans that lower or even eliminate the required down payment. They make it easier to get started as a homeowner and keep more savings for moving and future expenses.
When is a jumbo loan the right financing solution?
A jumbo loan is designed for homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. It gives qualified buyers access to large mortgage amounts with competitive rates and flexible terms. If you are purchasing a high-value or luxury property, a jumbo loan provides the financing needed without splitting your mortgage into multiple loans.
Who benefits from a non-qualified mortgage?
A non-QM loan is for borrowers whose finances do not fit standard lending guidelines. It can use alternative documentation such as bank statements or profit and loss statements instead of traditional tax returns. It is ideal for self-employed professionals, investors or anyone with unique income sources who needs a flexible way to qualify.
Why are bank statement loans ideal for self-employed borrowers?
Bank statement loans allow you to qualify for a mortgage using 12 to 24 months of personal or business bank statements instead of tax returns. They are designed for entrepreneurs and small-business owners whose income may not be fully shown on traditional paperwork, giving you a practical path to homeownership.
How can a 1099 mortgage loan help independent contractors?
A 1099 mortgage loan lets you qualify using income reported on 1099 forms rather than W-2s. It is a smart choice for freelancers and independent contractors whose income is steady but not reflected in traditional employment records.
Why do real estate investors use DSCR loans?
A DSCR loan, which stands for Debt Service Coverage Ratio, qualifies you based on the property’s rental income instead of your personal income. This makes it easier to finance or grow an investment property portfolio without providing detailed personal financial documents.
What advantages come with investment property financing?
Investment property financing provides the funds to purchase or refinance income-producing real estate. It helps investors expand their portfolios, generate rental income and build long-term wealth with competitive rates and flexible terms.
How can a self-employed mortgage make qualifying easier for business owners?
A self-employed mortgage accepts alternative income documentation and recognizes that business owners often have complex finances. It gives entrepreneurs and independent professionals a way to secure competitive home financing without relying on the strict documentation required by standard loans.
When does a cash-out refinance make sense?
A cash-out refinance replaces your current mortgage with a new one for a higher amount and gives you the difference in cash. You can use that cash for home improvements, debt consolidation or major expenses while possibly lowering your interest rate.
How can a renovation or construction loan bring your vision to life?
These loans provide the financing to build a new home or complete major upgrades to an existing property. They combine construction and long-term financing into one process, making it easier to manage costs from start to finish.
What makes a home equity line of credit useful for homeowners?
A HELOC is a revolving credit line that lets you borrow against the equity in your home whenever you need funds. It is ideal for ongoing projects or expenses such as renovations, education costs or debt consolidation because you only pay interest on what you use.
Why might a reverse mortgage be a smart retirement strategy?
A reverse mortgage allows homeowners aged sixty-two and older to convert a portion of their home equity into cash without monthly mortgage payments. It can supplement retirement income, cover medical expenses or finance home improvements while you remain in your home.