Equity Management
Your home equity is one of the most powerful tools you have. Learning to use it to your advantage is the secret to growing your wealth.
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The Investment Strategy To Buy Real Estate With Almost Nothing Out Of Pocket
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The Secret To Earning Passive Income With The Equity You Have In Your Home
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Your one stop shop for all of your mortgage related needs and resources. Learn all the ins and outs of managing your mortgage, leveraging your equity, and landing your dream home.
“If you don't find a way to make money while you sleep, you will work until you die.” - Warren Buffett
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Find the right home for your budget!
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The answers to all your mortgage questions...
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Conducts business in: CA (Loans made or arranged pursuant to a Finance Lenders Law License (60DBO43870) and CA Bureau of Real Estate – Real Estate Broker – DRE#01845041), CO, GA (Residential Mortgage Licensee #43780), MI, OR (#ML-5392), WA (Consumer Loan Company License #CL-236669)If you are using a screen reader and are having problems using this website, or if you are experiencing any other difficulty using this website, please call 866-639-6554 or email info@arborfg.com for assistance.Copyright © 2013—2022 Arbor Financial Group. All Rights Reserved. Use of this website constitutes acceptance of our Legal Terms Of Services.
