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FREE First-Time Home Buyer SeminarRing-Doorbell-1.JPG

Join us on Saturday, July 24 from 10:00 a.m. to 11:30 a.m. for a FREE First-Time Home Buyer Seminar. You'll hear from our skilled Mortgage Loan Originator, Robert Merrill, and a local realtor partner regarding the ins and outs of being a first-time buyer. Have the confidence it takes to make your dreams a reality, and utilize free education to understand how to ease into your first home buying experirence. One lucky attendee will win a Ring Doorbell, a hand-cut Michigan cutting board, along with an Arbor Financial coffee mug, and our specialty coffee.*

Register Here


More About RobertRing Doorbell Camera
Robert serves our Wyoming community by helping them find the best mortgage for their situation. He specializes in first-time homebuyers and purchases, as he takes pride in helping people make one of the largest transactions of their lives. Prior to working with Arbor Financial, Robert worked for an indpendent mortgage branch assisting families in obtaining homeownership. 

When Robert is not assisting members, he and his wife, Lauren, can be found outdoors chasing upland birds in the Michigan wilderness with their two hunting labs, Togo and Mando. 

Meet Robert



10 Steps To Buying A New Home

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Do your research

There’s no better time than the present to compare rates, see what’s out there and what you’ll be able to afford. Knowledge is power.

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How much house can you afford?

Determine your budget and the payment amount you’re comfortable with by using our Mortgage Loan Calculator.

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Get pre-approved/pre-qualified

This will let you see which options are available to you, and the price range of the home you should be looking for.

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Find the perfect real estate agent

Having a Buyers Agent on your side that’s going to look out for your best interests and who will be fully invested in you, is a good choice.

Mortgage Rates

Estimate Your Mortgage Payments

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*Rates are the lowest rates available and may vary depending on each individual’s credit history and underwriting factors at time of application. Rate listed is for a first-lien purchase money mortgage on owner occupied single family detached primary residence only. Payment estimates assume a loan to value of 80% or lower for this product. Payment amounts based on a credit score of 740. Monthly payment estimate includes principal and interest. Estimated payments do not include amounts for mortgage insurance premiums or payments escrowed for taxes and/or insurance, and the actual payment obligation may be higher.


Ready to get pre-approved? It's quick and easy to apply online.

 
*Annual Percentage Rate (APR). Beginning 4/1/21 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.

*The drawing is open to all legal Michigan residents 18 years or older. No purchase necessary. Promotional period July 24, 2021 - July 25, 2021. For official rules, click here.