Licensing & Disclosures

Non-QM Loan Disclosure: Non-Qualified Mortgage (Non-QM) loans are mortgage products that do not meet the Consumer Financial Protection Bureau's (CFPB) definition of a "Qualified Mortgage." These loans may carry higher interest rates, fees, and risks than conventional qualified mortgage products. Borrowers should carefully review all loan terms before proceeding.

Rate and Program Availability: All loan programs, rates, terms, and availability are subject to change without notice. Rates shown on this website are for illustrative purposes only and are not guaranteed. Actual rates will be determined based on credit profile, loan-to-value ratio, property type, and other factors.

Equal Housing Opportunity: Arbor Financial Group is an Equal Housing Opportunity lender. We are fully committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, or any other protected characteristic.

Not a Commitment to Lend: Information provided on this website does not constitute a commitment to lend or a pre-approval. All loan applications are subject to underwriting review and approval. Not all applicants will qualify.

DSCR Loan Disclosure: Debt Service Coverage Ratio (DSCR) loans are investment property loans underwritten based on the property's rental income rather than the borrower's personal income. These are not owner-occupied residential mortgage products. Investment properties carry additional risk.

Bank Statement Loan Disclosure: Bank statement loans use personal or business bank statements in lieu of traditional income documentation (W-2s, tax returns). These programs are designed for self-employed borrowers and may carry higher rates than full-documentation loans.