Home Is Where the Heart Is

At Arbor Financial, we're here to help our members grow and achieve their financial goals, and for so many, one of those goals is home ownership.

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 PMI required can help. So you can spend less time getting into your home, and more time making memories in it.

Contact a Mortgage Loan Specialist

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!

13 Common Questions Home Buyers Ask

We know there can be lots of questions when it comes to buying a home, so we compiled the most common questions that home buyers ask. 

Learn More

The Arbor Advantage

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

  • Loan terms of 7, 10, 15 and 30 years 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
"I love Arbor! I love that when I come through the drive-thru, I am always greeted warmly and friendly! The people you have chosen to work there are exemplary. I love the ease of my banking online, as well as at my local office. You’re involved in our community and offer so much. Great job!" Joy B. Read More Member Stories