Arbor's Executive Loan Advisors, Licensed Real Estate Agents and Licensed Insurance Agents are some enthusiastic people. Always excited to see you here. Let us introduce ourselves.
For more than 14 years, founding partner Ryan O'Kane has built a solid reputation with lenders, financial planners, real estate agents and clients throughout California by providing honest and straightforward financial solutions. Ryan graduated from UCLA in 1998 and quickly started his career in wholesale mortgage banking. After several years as a top producer and senior manager Ryan founded ARBOR Financial Group Today, Ryan's focus is growing ARBOR Financial Group into a leading financial services company that provides concierge customer service at industry leading prices. Read more...
NMLS# 29268
David Arvidson is one of the founders of The Arbor Financial Group. Mr. Arvidson has been involved in the financial service arena since 1996 where he enjoyed success serving as a Senior Financial Consultant with a local mortgage corporation. Prior to starting his own financial services company in 2001 he helped develop the online finance and insurance aggregator with Autobytel, General Electric, Met Life, and Lending Tree Mr. Arvidson earned a B.S. from the University of Southern California, an M.B.A from the University of Notre Dame, and has graduated from the University of California Irvine – Personal Financial Planning Program. In the Spring of 2013, Mr. Arvidson received the highly sought designation of Certified Financial Planner CFP® awarded by the Certified Financial Planner Board of Standards. Read more...
NMLS# 298701
Hi, I am a 20 year veteran of the Mortgage Banking/Brokering industry dedicated to the highest level of customer service and have consistently been rankedamongst the Top professionals in my field. Through the lender relationships established over my tenure in the mortgage industry, I have access to the most competitive terms and programs available in today's mortgage market. With the many changes the lending community has been faced with these past few years, John, with the support of his seasoned team and lender network, has been able to succeed at the highest level in securing the most competitive terms for his clients. Buying an investment property in Southern California this year makes more sense than in many years. Just a few short years ago it was impossible to purchase a property in Southern California, and have positive cash flow, without either a very large down payment, or using a short term adjustable or negatively amortizing loan program. Property values had increased very quickly, but a primary reason for the increase was the aggressive financing available, not home buyers income. Now, property values have adjusted downward, back to an affordable zone not only for home buyers looking for a home to live in, but also for investors looking for solid investments. Financing is not as easy as it was a few years ago, but great loan programs still exist for strong real estate investors. The key is to turn to a Real Estate Financing Expert who understands the in's and out's of financing investment properties. I have over 20 years experience helping real estate investors finance their investment properties. Whether you are looking to purchase your first investment property, or purchase your 100th property, I can help you find the best program based on your long and short term financial goals. I will prove to be a great source of information for learning some of the loan options currently available to purchase or refinance southern California investment properties. And please, if you have any questions or would like to see customized loan scenarios, please call, email, or complete the contact form on the right. I would be happy to prepare custom Investment Property scenarios which will have details on what you qualify for, what your monthly payment will be, and whether or not you will need money for closing costs. It is important that you see all your options before you search for a homeowners. Read more...
NMLS# 230125
Peace of mind can be as important, if not more, than what your rate is, and when you work with me you'll get both. You will be kept informed from beginning to end as to the status of your loan so that there are no surprises when you get to the closing table. I'll take the time to listen to your needs and personal situation,and not only will we come up with the best program for you; I'll make sure that you completely understand it before you sign your name to anything. My philosophy is very simple, I treat all of my clients the way I would want to be treated, and as long as I achieve that, I am confident you will refer your friends and family back to me. Read more...
NMLS# 257383 | BRE# 1679847
I am a Residential Mortgage Specialist assisting buyers and homeowners with their purchase and refinance needs. Many specialty programs are available including Conventional, Jumbo, FHA, CalHFA, VA and VA Jumbo. I specialize in partnering with Real Estate Agents, Financial Planners and CPA's to help them make sure that their clients are in the best mortgage for their financial goals and needs. Read more...
NMLS# 236783 | BRE# 01479674
I am a Residential Mortgage Specialist assisting buyers and homeowners with their purchase and refinance needs. Many specialty programs are available including Conventional, Jumbo, FHA, CalHFA, VA and VA Jumbo. I specialize in partnering with Real Estate Agents, Financial Planners and CPA's to help them make sure that their clients are in the best mortgage for their financial goals and needs. Read more...
NMLS# 1374504 | BRE# 01863620
My career in mortgage lending began in 1993 and I began directly helping clients with their home loans in 1995. Since this time, I have seen a couple peaks and valleys in my industry. None of which has been more significant than when the sub-prime mortgage meltdown and housing crash began in 2007. Fortunately my business has still been successful due to my commitment to my core principles, continually educating myself and dedication to doing my best for my clients. Read more...
NMLS# 255035
Chasse Cole has been in the financial service industry since 2005. He is licensed by the California Bureau of Real Estate and is primarily focused on real estate financing for homeowners, small business owners, and real estate investors. Chasse has financed hundreds of transactions throughout his 12 years of experience in both commercial & residential real estate. His clients often rave about the benefit they receive from his transactional experience & sound advice. He has built his reputation in the industry as an honest, effective communicator & strives to find the best solution for everyone's unique transaction. His business has been built on establishing long term relationships with: real estate agents, commercial brokers, CPA's, attorneys, financial planners, & referrals from his past clients. Read more...
NMLS# 1558587
Raised in Southern California and have been in the mortgage industry since 1992. If you have any questions regarding buying or refinancing, please do not hesitate to call or email me. My service is second to none and I will guide you through the entire home buying / refinance process step by step. I service both Washington and California. I specialize in Conventional, Jumbo, FHA, VA, USDA. If I cannot help you with a loan then I will help you and show you what needs to be done to make you qualify in the future.
Licensed to work in: California (CA-DBO152663), Washington (MLO-152663) Read more...
NMLS# 152663
Doug Freeman has been an expert loan professional in Southern California for the past 24 years. With tireless commitment and tenacity, Doug provides his clients with the best products and services to meet and exceed their ever-changing financial demands. "Your home is potentially the largest financial decision you will ever make." Doug explains. "I believe it's vital to trust someone with vast experience and knowledge of the current climate to assist in that decision. I'm that guy, and I'm going to have your back." Read more...
NMLS# 245227
Jeff Altman has been successfully engaged in the mortgage finance industry since 1992. He is licensed though the California Department of Real Estate and has instructed numerous courses and seminars since that time.
Jeff has helped hundreds of families in purchasing and refinancing their homes. Working exclusively from referrals, his satisfied clients have contributed to his continued success. His communication skills, his knowledge of the mortgage industry and his honesty are what sets him apart and earns him a solid reputation throughout the State of California and predominantly in Orange County.
Jeff has been particularly effective in establishing long-term relationships with Realtors, Attorneys, Law Enforcement, Accountants and Business Owners.
Aside from the mortgage industry, Jeff is a dedicated husband to his wife Kimi for over 30 years as well as a supportive dad to their two boys, Shayne and Cody. If you were to ask Jeff what his biggest accomplishment was in life, he would reply with a huge grin "His Family". Other loves in his life are animals, which he and his family has adopted many, sports of any kind and most of all his beloved "St. Louis Cardinals Baseball". Jeff has an incredible collection of Cardinals memorabilia which is adorned throughout their home. Jeff has also founded the "Kurt Schoor Memorial Fund" which he started 20 years ago after losing his best friend at the age of 32. The fund raises money for scholarships to grant children scholarships to fulfill their dreams in what they would like to become in life.
Integrity, honesty and hard work are the qualities that every client can expect to receive from Jeff Altman" . Read more...
NMLS# 234959
Julie Aragon is a mortgage magician for people who have been dealt a bad home loan hand or don't even know where to start.
Through her connections with other kick-ass professionals, constant communication, and mastery of cutting-edge technology, she's eager to transform your desire of owning your dream home into a reality, while making it all feel like a cake walk.
Her adoring clients have called her a "strong, empowered, independent, motivational, problem solver" and "Not just a pretty face."
"This little lady is confident, professional, persistent, and gets the job done!!" One woman even said, "Julie Aragon literally got me the home of my dreams. She is the BEST in the South Bay and everyone who I've recommended her to agrees."
When she's not making miracles happen in mortgage-land, you can find Julie indulging in a craft cocktail (or two), binge-watching ridiculously addictive reality TV, or falling in love with every puppy she sees.. Read more...
NMLS# 250691
NMLS# 114312
Kimberly has over 13 years of experience in the mortgage banking arena. Her commitment to providing customer service, combined with excellent problem solving skills, makes the difference in potential borrowers becoming homeowners. Kimberly knows the benefits of making the mortgage process a win-win endeavor for her clients. With this, Kimberly brings exceptional knowledge of the mortgage and real estate industry along with practical hands-on experience to each transaction. Read more...
NMLS# 268683
I have built a tremendous book of business over the years and it is based on trust and respect. I take each transaction as a huge responsibility to make sure I handle it professionally and as a benefit to the client. My clients trust me and know that I can deliver what I promise. I like to develop strong relationships with my clients and always welcome having the opportunity to work with their family and friends.
I believe in the service for life. Lending is not a job to me it is a lifestyle and I live it everyday. . . Read more...
NMLS# 351150
A licensed California real estate broker since 1993, Marc's goal is simple, figure out a client's needs and find ways to make those needs a reality. Partnering with over 30 investors, he offers a variety of loans, including conventional, jumbo, government, reverse mortgage, commercial and specialty financing. Marc is a proud member of the Pasadena business community, working with the local board of Realtors Charities and co-chairing the Taste of Old Town Pasadena for the last five years. An avid cyclist, Marc has twice ridden the LA Marathon, because running it would be way too hard. Read more...
NMLS# 360833
After over 10 years of specializing in mortgage financing, I have now expanded my services to include the buying and selling of residential real estate. Having lived in various areas throughout Southern California my entire life and graduating from UCLA in 2000, I am eager to help with your real estate needs in Los Angeles County and bordering Orange, Ventura and San Bernardino counties. It would be my privilege to provide you the best in listing services to produce attractive marketing material and a strong online presence or serve as an aggressive buying agent to get you into the home of your dreams in this competitive market. In 2012, over 30% of transactions fell out of escrow primarily due to issues with financing. Whether you're buying and need to know exactly what you qualify for, or you're selling and need to ensure validity of prospective buyers, let me be the trusted source to close your real estate transactions smoothly. Read more...
NMLS# 230570
Maria Kuczynski grew up in San Diego and graduated from San Diego State University Maria started her professional career in mortgage lending over 25 years ago and is thrilled with her recent move to Arbor Financial Group to enhance the multitude of real estate financing options for her clients. Read more...
NMLS# 238953
Mark Ingram has been a licensed Mortgage Broker and Realtor since 1997 as the owner of Ingram Company. Specializing in educating first time buyers and working within all aspects of the mortgage industry to successfully find the right product for every client and family. Mark is excited for the opportunity to join Arbor Financial Group and expand his offerings of mortgage products and work hard as a buyer's agent on the real estate end of transactions. Mark also has a mortgage program that raises funds for educational, charitable and non-profit organizations and is eager to expand these contributions. After Mark graduated from Mater Dei High School in 1987 and USC in 1991 with a BS in Business Administration focusing on Finance and Real Estate, he worked as a Controller for a manufacturing company for 6 years and started Ingram Company after obtaining a Broker's License. He works mainly out of Costa Mesa and primarily serves Orange and LA county residents. Mark has been married to Cathy for 20 years and together they have raised 3 boys - ages 17, 15 and 12. He enjoyed many years coaching baseball and flag football and greatly enjoyed the competition and teaching opportunities that arose. He has a passion for golf, ping pong, darts, billiards, the MLB, and the NFL; he proudly represents his favorite teams- the Dodgers and the Rams. Read more...
NMLS# 358879
My work revolves entirely around complete respect and care during the financing of a home whether it be for an investment or your home for many years to come. This philosophy has served my clients well for over 22 years in the financing business. My college career was built on hard work and my love for the game of golf. After some decent success in high school and college it turned into a lifelong love affair with a great game. It has taught me that hard work and dedication for playing golf at a high level has translated into my business. The best part of playing golf is that it has also developed many friendships and a chance to experience the most beautiful landscapes in the country. My wife Lisa and I live in Huntington Beach and love spending time at the beach with our dog Gracie. I am a proud Huntington Beach native for 45 years. My son Jacob just graduated from San Diego State University and our daughter recently graduated from Oregon State University in 2015. This makes her grandparents very happy since we are a family of diehard Oregon State University Beaver fans, Go Beavs! I pledge to my clients that I will achieve the very best financing available to you and your family regardless of today's many obstacles. A vast knowledge in today's financing is pertinent to my success and yours. In 22 years I can honestly say I have seen it all. I look forward to working with you. Read more...
NMLS# 490889
Orange County based mortgage broker specializing in residential lending in all CA. FHA, VA, Conventional, and Jumbo financing specialist offering a full spectrum of residential and commercial mortgage products; Conventional, Jumbo, FHA/VA. Also a health and fitness advocate, sports fan, yogi and environmental supporter... Read more...
NMLS# 268616
I'm dedicated to managing your most important debt - your mortgage. My job is to make sure my client's mortgage is in line with their long term financial goals whether they are purchasing a new home or refinancing their existing mortgage. My clients are strictly referrals from family, friends and business partners and all transactions executed on my client's behalf are done with the utmost honesty, integrity and confidentiality. I'm a Southern California native who currently lives in Newport Beach with my wife, Jennifer and 3 young children. For the past 14 years I have been committed to assisting clients finance their American Dream and look forward to assisting you. Please contact me today for a free, no-obligation, mortgage consultation. Read more...
NMLS# 1033811
Nathan is a native of Southern California and currently lives in Aliso Viejo. A father of two beautiful girls and a devoted husband. Nathan donates his time coaching for AYSO helping his daughter's U-5 soccer team. He understands the importance of family and values preservation efforts. Nathan has over ten years of experience in the mortgage industry and loves to help people attain the best financing available. Read more...
NMLS# 188608
Rich Lane has been a prevalent figure in the mortgage industry since 2000. He's licensed though the California Bureau of Real Estate and prides himself on treating his clients as family and personally walking them through the home buying process.
Rich has helped hundreds of families purchase and refinance their homes. Working exclusively from referrals, his satisfied clients have contributed to his continued success. His communication skills, up-to-date industry knowledge, and genuine honesty are the defining characteristics that set him apart from the rest. He has earned a loyal and enthusiastic client base throughout the state of California.
Rich has been particularly effective in establishing long-term relationships with Realtors, Attorneys, Financial Planners, Accountants and Business Owners.
He consistently and seamlessly works with both commercial realtors and residential realtors to close each loan as quickly and thoroughly as possible.
Aside from the mortgage industry; Rich is an active on the Board of Directors for Make-A-Wish OC/IC and enjoys spending time with his wife Zelyne and his daughter Olive.
On most weekends, you will find Rich golfing, racing moto-cross, or riding mountain bikes. Rich has quite the appetite for completion and still plays in a weekly basketball and tennis league.
Rich subscribes to three main core principles for business and life:
#1. "Do the right thing…"
#2. "Do your very best…"
#3. "Show people you care…"
His mission is to bring these beliefs into all that he does. Rich is commonly praised among his clients for his work ethic and core principles. Read more...
NMLS# 1052912
Richard has been happily assisting homeowners finance the American Dream for over 20 years. He has received many recommendations and referrals for delivering a simple and effective "hands on" approach to assure his client's loan transaction is handled efficiently and effectively. Richard graduated from USC in 1990 with a degree in Planning and Real Estate Development and soon joined Countrywide Home Loans For over a decade, Richard has been successfully promoted throughout various positions within Countrywide. From loan consultant, Vice President of National Lending Sales to National Account Manager for their Mortgage Revenue Bond division, his experience is broad in all aspects of the lending industry. For the past eight years as a Mortgage Broker, Richard finds great happiness assisting his clients. He takes pride in delivering honest advice and seeks the best loan options for his clients. Richard is happily married with two children and three stepchildren. He and his wife, Helena, travel often to Brazil to join her family in Rio de Janeiro. Read more...
NMLS# 326543
Steve Arnott utilizes 16 years of industry sales experience to provide his clients with the best residential financing options, including FHA, VA, Conventional and Mega-Jumbo loans in order to fit their needs. Steve covers all facets of the mortgage spectrum, providing unique and personalized lending solutions. Steve graduated from Cal Poly San Luis Obispo and was a member of the men's tennis team, collecting 3 – 1st Team NCAA Division II All-American titles. Outside of work Steve enjoys playing tennis, hiking, and spending time with his incredible wife and two trouble-making twin daughters. Read more...
NMLS# 325744
Hello, my name is Susan Ingalls and as a licensed Residential Loan Consultant in California, I am very proud to represent Arbor Financial Group in providing the best customer experience possible during your home financing endeavor. I welcome the opportunity to guide you through the home loan process, educating and informing you so that together we can select the most optimal loan program to fit your needs.
What sets me apart from the competition is my core belief that communication is the number one priority no matter what! My philosophy is to listen to each customer's needs and respond to those needs efficiently and effectively. I also believe that trust is the key to building strong and lasting relationships with borrowers and business partners alike so communication, good news or no news, is foundational.
I have been in the mortgage business for over 23 years in several capacities and licensed since 1998. I have gained the knowledge and expertise to help put you or your clients at ease throughout the mortgage process. My diverse experience in the mortgage industry allows me to better assist my clients, keeping constant communication with them to ensure a smooth process from origination through closing. At Arbor Financial Group, we have access to not only several in house lending products, but niche products not offered by bigger banks as well as everything in between.
I look forward to working with you! Read more...
NMLS# 160877
I was drawn to specializing in Reverse Mortgages after witnessing the benefit my father received by securing one five years ago. My mission is to educate consumers, Financial Planners, and Estate Planning Attorney's on the benefits of the Home equity Conversion Mortgage. Each HECM case is a collective effort with the client, their family and their financial team because it is only when the entire support group confirms the benefit of a Reverse Mortgage that a truly successful result is achieved. Read more...
NMLS# 1532734 | BRE# 02016892
I'm a Southern California Native who has been in the Mortgage Industry since 2006. I started my career as a Wholesale Account Executive with Countrywide. I moved to the Bay Area in 2007 and quickly became one of the Top AE's in the country, even during the mortgage meltdown. I returned to Southern California in 2012 where I began my career on the retail side, working with consumers directly. I funded over $150m in my first 3 years in retail. I currently reside in Long Beach and spend most of my free time in the pool. I was a CIF Champion, 2-year MVP and an NCAA Division I swimmer in the 90s. I also enjoy supporting local restaurants (read: cannot cook) and wine events. I am currently on my third year with the Women's Council of Long Beach Vine2Wine event and fundraising committee. Read more...
NMLS# 922648 | BRE# 01913296
We’re proud to deliver a loan experience that delights whether you’re financing a multi-million dollar luxury estate, pinching every penny to qualify for your first home with FHA financing, or financing your second home, investment property or apartment complex. Read more...
NMLS# 694607 | BRE# 01924761
I have been a mortgage professional for 24 years and have had success working with all types of clients, including self-employed. My expertise is in helping clients take a holistic approach to incorporate their mortgage into their overall financial picture. I am proficient in working with a variety of specialized loan products and programs, from first-time to luxury homebuyers, and government programs including VA as well. Read more...
NMLS# 278746 | BRE# 01184144
As a licensed mortgage originator, I work hand-in-hand with homebuyers and homeowners to explore and secure or refinance loans that suit their needs. Guiding and advising my clients every step of the way, from application to closing, I help them strategically plan a financially sound mortgage aligned to their long-term goals. Whether you're looking to buy your first home, purchase a new vacation home, secure a property investment, or restructure your mortgage, I have the experience, expertise, and personal touch to bring it all together. With over 20 years experience in the California real estate market, I've developed an invaluable network of competitive lenders to help you find the best possible mortgage for your financial situation. My team and I serve the entire state of California, helping my clients understand their full range of options before they sign. Read more...
NMLS# 240792 | BRE# 00892802
Misty can work with every type of homebuyer, from the seasoned investor to the first-time home buyer in need of a down payment assistance program. Her goal is to make the client feel well informed and at ease with the home buying process. Misty is passionate about making sure clients are in the best mortgage for their financial goals and needs Read more...
NMLS# 1605390
Leslie Jenson brings over 22 years of experience in various aspects of lending and real estate law. She has been licensed by the California BRE since 2000 and holds her NMLS license in the State of California. Aside from her residential lending background, Leslie is also a certified paralegal (since 2004), and has in-depth experience in Compliance, Bankruptcy, Real Estate Law and Family Law. Read more...
NMLS# 1196474 | BRE# 01274917
I am a Reverse Mortgage Specialist with Arbor Financial Group. I help prospects and clients determine if a Reverse Mortgage is the right decision or not. I work with seniors directly, real estate agents, financial planners and healthcare professionals to evaluate how a Reverse Mortgage can improve their lives. I have a B.S. in Finance and Accounting from USC and an MBA from Pepperdine University. Besides many years of executive experience in Silicon Valley professional. tech companies, I also offer a realtor perspective having sold over 200 homes as a real estate Read more...
NMLS# 1058916 | BRE# 00609535
Debra has over 16 years of experience in the Southern California residential real estate industry. After serving as a real estate agent for Coldwell Banker for several years, she transitioned to being a residential loan officer. Since then, she has assisted hundreds of home owners with their mortgages ranging from first time home buyers to seasoned investors. Debra has broad experience across all loan types as well as buyer profiles including self-employed borrowers. Providing her clients with a positive and ethical experience is of the utmost importance. Debra's goal is to provide you an understanding of the best loan alternatives available to you while delivering the highest caliber service available in the industry. Read more...
NMLS# 241969
Brigitte Ribeiro has over a decade of experience in customer relations and helping others. Her success stems from the relationships that she builds with her clients. By supplying you with all relevant information, she empowers you to make a truly informed decision, one that will leave you confident about your and your family's future. Read more...
NMLS# 1335077 | BRE# 01973949
The Mortgage and Real Estate business is what I live and breathe. It's what I do and have done on a full time basis for over 40 years. I can do this in my sleep, sometimes waking up in the middle of the night with a solution to a challenge. My customers claim " if Sue can't do it, then it can't be done". Read more...
NMLS# 141188 | BRE# 00839867
NMLS# 228573
I have been an active Mortgage Advisor and Real Estate Broker for 17 years and have been through the difficult times in this industry. I helped many navigate through difficult transactions and have a proven track record in handling many different sales in the Real Estate market. As a Mortgage Banker and Realtor I am able to better serve my clientele with a strong background in the business. I offer financial advice as to what loan programs will help the buyer get the best loan available for their needs along with assist in the Sale or Purchase of a home. As a former IRS Tax Examiner I have a strong background in the finance industry. Educating and guiding my Seller's and Buyer's through the entire process is key to ensure that the transactions move along smoothly. I have established my business by focusing on relationships with every person involved in each transaction and I take pride in the quality of service that I offer and take pride in knowing they feel comfortable in referring their friends and family to my team. Let me become a partner with you when Selling or Buying a home! Please feel free to read all the testimonials by actual clients and business partners. Read more...
NMLS# 187790 | BRE# 01924969
NMLS# 1556597
NMLS# 1850316
NMLS# 613326
NMLS# 1896283
NMLS# 716639
NMLS# 245260
NMLS# 1269816
NMLS# 278295
NMLS# 242977
NMLS# 1804175
NMLS# 902610
NMLS# 257128
NMLS# 453584
NMLS# 252519
NMLS# 1055035
NMLS# 272816
NMLS# 273330
NMLS# 1192688
NMLS# 295861
NMLS# 340010
NMLS# 337282
NMLS# 384718
NMLS# 312732
NMLS# 1556945
NMLS# 296650
NMLS# 1015000
NMLS# 332212
NMLS# 306373
NMLS# 365790
NMLS# 613301
NMLS# 234389
NMLS# 993332
