
- Personal
- Home Loans
- Buy a Home
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
FHA Loans
Federal Housing Administration (FHA) Loans are perfect for first-time home owners and those with less-than-stellar credit scores. Get your foot in the door of the housing market with an Arbor Financial FHA Loan today!
- Personal
- Checking & Savings
- Checking
- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Select Checking Earn outstanding monthly dividends typically associated with Certificates of Deposit.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Digital Banking Tools
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed-Rate MortgagesFlexible terms and stable monthly payments.
- Adjustable-Rate MortgagesSuitable for frequent movers and those wanting the flexibility of a shorter term.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Title Services
- Buy a Home
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Title Services
- Skip a Payment
- Rates
- Calculators
- Security Center
- Learn
- Digital Banking Tools
- Checking & Savings
- Business
- About Arbor
- Personal
- Checking & Savings
- Checking
- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Select Checking Earn outstanding monthly dividends typically associated with Certificates of Deposit.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Digital Banking Tools
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed-Rate MortgagesFlexible terms and stable monthly payments.
- Adjustable-Rate MortgagesSuitable for frequent movers and those wanting the flexibility of a shorter term.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Title Services
- Buy a Home
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Title Services
- Skip a Payment
- Rates
- Calculators
- Security Center
- Learn
- Digital Banking Tools
- Checking & Savings
- Business
- About Arbor
Competitive rates and low down payments
An FHA loan can open the door to home ownership. Through a variety of special home loans backed by the federal government, you can get the affordable financing you need to buy the next place you'll call home.
FHA loans are designed to help those with a smaller down payment or lower credit score purchase a home. This is ideal for:
- First-time homebuyers
- Individuals still building a fresh credit history
- Individuals with less than stellar credit
FHA loans help you buy a home and begin to build equity.

Ready to Buy a Home?
In today’s market, pre-approval is everything. Save time and find out how much you can afford before you begin looking for your dream home. The housing market is extremely competitive and many realtors won’t even show a home to prospective buyers without pre-approval. Get pre-approved today and shop with confidence.
Find a Home
With pre-approval, you'll know your limit and be able to focus your search for homes in that price range.

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