Mortgage Specials

1. Low Fixed Mortgage Rates

7-year: As low as 1.740% (2.025% APR) fixed*
10-year: As low as 1.990% (2.193% APR) fixed*
12-year: As low as 2.240% (2.411% APR) fixed*


This rate excludes Arbor Financial's no money down, no PMI program.
 

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2. No Money Down and No PMI Special

Saving up for a down payment can be time consuming and difficult. And, if you have less than a 20 percent down payment, many lenders require Private Mortgage Insurance (PMI), which can drive up your monthly payments even more.

That's where our 15-year and 30-year mortgage specials with $0 down and no PMI1 required can help. So you can spend less time getting into your home, and more time making memories in it.


Apply Now

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Refinance and Save

Compare your current mortgage rate with one of our specials or other mortgage terms to decide if bringing your mortgage to Arbor Financial will help you reach your goals. You can apply online from the comfort of your home. Our mortgage specialist will guide you through the process and are there to answer your questions and concerns.

Refinancing can help you:

  1. Lower payments
  2. Pay your loan off sooner
  3. Cash out options by accessing equity
  4. Consolidate debt
  5. Enjoy your home more!
Use the Refinance Calculator

Get Started Today!

Contact a Mortgage Loan Specialist   Book Appointment

How Much Home Can You Afford?

Before you start looking at homes, you need to know what you can afford. And, with the home buying market being extremely competitive today, most realtors won't even show a home to a buyer unless the buyer has received a pre-approval from a lender.

If you're thinking of buying a home, your first step is to get pre-approved. This will allow you to know what your options are and how much you are approved to borrow.

Then comes the fun part: looking for your perfect home! With a pre-approval, you'll know what amount you can borrow and search for homes in that price range.

Get Started

Call us today at 269.544.3105 and find out what our team can do for you!

The Arbor Advantage

Here's how a $0-Down Fixed-Rate Mortgage2 can unlock the door to your new home:

  • Many loan terms are available
  • Great rates and low closing costs
  • Easy application process with a quick response
  • Pre-approval process to help focus your house-hunting efforts
  • Rate locks, so you can secure your low rate
  • You'll always be able to speak to someone local if you have questions about your loan

RELATED: Pre-Qualification vs. Pre-Approval

When you're ready to apply, here's what to consider:

You'll need documentation for all borrowers, including:
 
  • Social Security number
  • Contact and employment information
  • Best estimates of income, assets and liabilities
Once you've applied, we'll contact you to:
 
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate
*Annual Percentage Rate (APR). Beginning 7/6/20 and for a limited time. Special APRs disclosed are the lowest rates available and are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loan with no PMI. PMI may be required depending on loan to value and will increase APR. Rate listed is for a first-lien purchase money mortgage or refinance on owner occupied single family detached primary residence. Rate excludes Arbor Financials no money down, no PMI program. Payments are monthly for term of loan. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.

1 Beginning 7/6/20 and for a limited time. Annual Percentage Rate (APR) of 4.648% is accurate as of 7/20/20 and is the lowest rate available. Rates are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loans with no PMI. Rate listed is for a first-lien purchase money mortgage on owner occupied single family detached primary residence only. Payments are monthly for term of loan. Not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.

2 Annual Percentage Rate (APR) of 3.081% is accurate as of 7/20/20 and is the lowest rate available. Rates are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loans with no PMI. Rate listed is for a first-lien purchase money mortgage on owner occupied single family detached primary residence only. Payments are monthly for term of loan. Not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.