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949-829-1846 TimothyS@Arborfg.com * Home * About Us * Purchase * Refinance * Blog * Conventional Loan * Refinancing Options for Orange County Home Owners * Jumbo Loan * FHA Loan * FHA First Time Buyers * FHA Refinance * VA Loan Select Page * Conventional Loan * Refinancing Options for Orange County Home Owners * Jumbo Loan * FHA Loan * FHA First Time Buyers * FHA Refinance * VA Loan * Home * About Us * Purchase * Refinance * Blog TIM STORM | MLO#223456 BRANCH MANAGER 33 YEARS HELPING FAMILIES DIRECT/TEXT : 949.829.1846 WHY CHOOSE US FOR ALL YOUR ORANGE COUNTY MORTGAGE NEEDS? -------------------------------------------------------------------------------- ARBOR FINANCIAL GROUP PUTS THE CUSTOMER FIRST. ALWAYS. TIM STORM, MORTGAGE ADVISOR WITH ARBOR FINANCIAL, HAS OVER 33 YEARS OF EXPERIENCE WORKING WITH HOME BUYERS IN ORANGE COUNTY, SPECIALIZING IN VA AND FHA LOANS. TIM HAS YEARS OF EXPERIENCE WITH CONVENTIONAL LOANS AND JUMBO LOANS AS WELL. VA LOANS VA LOANS ALLOW FOR NO DOWN PAYMENT FINANCING. IN ORANGE COUNTY, THERE IS NO LOAN LIMIT FOR 100% FINANCING USING THE VA LOAN. IT IS POSSIBLE TO PURCHASE A $2,000,000 HOME WITH $0 DOWN. * ARBOR FINANCIAL GROUP IS NOT AFFILIATED WITH ANY GOVERNMENT AGENCIES. THESE MATERIALS ARE NOT FROM HUD OR FHA AND WERE NOT APPROVED BY HUD OR A GOVERNMENT AGENCY. Learn more about your VA Loan options>> FHA LOANS FHA IS A POPULAR LOAN PROGRAM FOR FIRST-TIME BUYERS. BUT IT ALSO SERVES MOVE-UP BUYERS VERY WELL. THE ORANGE COUNTY LOAN LIMIT IS $1,089,300 AND ONLY REQUIRES A 3.5% DOWN PAYMENT. * * ARBOR FINANCIAL GROUP IS NOT AFFILIATED WITH ANY GOVERNMENT AGENCIES. THESE MATERIALS ARE NOT FROM HUD OR FHA AND WERE NOT APPROVED BY HUD OR A GOVERNMENT AGENCY. Learn more about your FHA Loan options>> CONVENTIONAL LOANS A CONVENTIONAL MORTGAGE IS A LOAN THAT CONFORMS TO THE GUIDELINES SET FORTH BY FREDDIE MAC AND FANNIE MAE. THESE INCLUDE PORTFOLIO AND CONSTRUCTION LOANS. Learn more about your Conventional Loan options>> JUMBO LOANS A JUMBO, OR NON-CONFORMING LOAN, IS REQUIRED FOR FINANCING ON A MORTGAGE THAT IS HIGHER THAN THE CONFORMING LOAN LIMITS SET BY FANNIE MAE AND FREDDIE MAC. Learn more about your Jumbo Loan options>> I’LL GUIDE YOU THROUGH THE LOAN PROCESS -------------------------------------------------------------------------------- The loan process can be easy, if you choose the right company and right Loan Officer. I focus on helping home buyers and owners in Orange County, CA with their home financing and have over 33 years experience closing loans. While I am known by many in the industry as specializing in FHA and VA loans, I have also extensive experience with Conventional Fannie Mae/Freddie Mac and Jumbo loan programs. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with Loan PreApproval. Loan PreApproval is Free. While many lender charge a fee for the credit report and an application fee, we do not charge any fees for Loan PreApproval.** **A PREQUALIFICATION IS NOT AN APPROVAL OF CREDIT AND DOES NOT SIGNIFY THAT UNDERWRITING REQUIREMENTS HAVE BEEN MET. START THE PRE-APPROVAL PROCESS >> *** ***PREAPPROVAL IS BASED ON A PRELIMINARY REVIEW OF CREDIT INFORMATION PROVIDED TO ARBOR FINANCIAL GROUP THAT UNDERWRITING HAS NOT REVIEWED. FINAL APPROVAL IS SUBJECT TO A FULL UNDERWRITING REVIEW OF SUPPORT DOCUMENTATION, INCLUDING APPLICANTS’ CREDITWORTHINESS, ASSETS, AND INCOME INFORMATION, AND A SATISFACTORY APPRAISAL. LET TIM STORM SHOW YOU HOW -------------------------------------------------------------------------------- “Most sellers will not even entertain an offer from a buyer unless they have been PreApproved by a Lender” -------------------------------------------------------------------------------- Even if you have been Pre-Qualified by another lender, it will be worth your while to have me prepare custom loan scenarios along with a video explanation of the scenarios. The video explanation is a unique way of thoroughly explaining the loan process. When you are ready for a unique loan shopping experience please call me directly at 949.829.1846 You will be working directly me, Tim Storm. TIM STORM | MLO#223456 BRANCH MANAGER 33 YEARS HELPING FAMILIES DIRECT/TEXT : 949.829.1846 WHY CHOOSE US FOR ALL YOUR ORANGE COUNTY MORTGAGE NEEDS? -------------------------------------------------------------------------------- ARBOR FINANCIAL GROUP PUTS THE CUSTOMER FIRST. ALWAYS. TIM STORM, MORTGAGE ADVISOR WITH ARBOR FINANCIAL, HAS OVER 33 YEARS OF EXPERIENCE WORKING WITH HOME BUYERS IN ORANGE COUNTY, SPECIALIZING IN VA AND FHA LOANS. TIM HAS YEARS OF EXPERIENCE WITH CONVENTIONAL LOANS AND JUMBO LOANS AS WELL. VA LOANS VA LOANS ALLOW FOR NO DOWN PAYMENT FINANCING. IN ORANGE COUNTY, THERE IS NO LOAN LIMIT FOR 100% FINANCING USING THE VA LOAN. IT IS POSSIBLE TO PURCHASE A $2,000,000 HOME WITH $0 DOWN. * ARBOR FINANCIAL GROUP IS NOT AFFILIATED WITH ANY GOVERNMENT AGENCIES. THESE MATERIALS ARE NOT FROM HUD OR FHA AND WERE NOT APPROVED BY HUD OR A GOVERNMENT AGENCY. Learn more about your VA Loan options>> FHA LOANS FHA IS A POPULAR LOAN PROGRAM FOR FIRST-TIME BUYERS. BUT IT ALSO SERVES MOVE-UP BUYERS VERY WELL. THE ORANGE COUNTY LOAN LIMIT IS $1,089,300 AND ONLY REQUIRES A 3.5% DOWN PAYMENT. * * ARBOR FINANCIAL GROUP IS NOT AFFILIATED WITH ANY GOVERNMENT AGENCIES. THESE MATERIALS ARE NOT FROM HUD OR FHA AND WERE NOT APPROVED BY HUD OR A GOVERNMENT AGENCY. Learn more about your FHA Loan options>> CONVENTIONAL LOANS A CONVENTIONAL MORTGAGE IS A LOAN THAT CONFORMS TO THE GUIDELINES SET FORTH BY FREDDIE MAC AND FANNIE MAE. THESE INCLUDE PORTFOLIO AND CONSTRUCTION LOANS. Learn more about your Conventional Loan options>> JUMBO LOANS A JUMBO, OR NON-CONFORMING LOAN, IS REQUIRED FOR FINANCING ON A MORTGAGE THAT IS HIGHER THAN THE CONFORMING LOAN LIMITS SET BY FANNIE MAE AND FREDDIE MAC. Learn more about your Jumbo Loan options>> I’LL GUIDE YOU THROUGH THE LOAN PROCESS -------------------------------------------------------------------------------- The loan process can be easy, if you choose the right company and right Loan Officer. I focus on helping home buyers and owners in Orange County, CA with their home financing and have over 33 years experience closing loans. While I am known by many in the industry as specializing in FHA and VA loans, I have also extensive experience with Conventional Fannie Mae/Freddie Mac and Jumbo loan programs. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue, the next step is to move forward with Loan PreApproval. Loan PreApproval is Free. While many lender charge a fee for the credit report and an application fee, we do not charge any fees for Loan PreApproval.** **A PREQUALIFICATION IS NOT AN APPROVAL OF CREDIT AND DOES NOT SIGNIFY THAT UNDERWRITING REQUIREMENTS HAVE BEEN MET. START THE PRE-APPROVAL PROCESS >> *** ***PREAPPROVAL IS BASED ON A PRELIMINARY REVIEW OF CREDIT INFORMATION PROVIDED TO ARBOR FINANCIAL GROUP THAT UNDERWRITING HAS NOT REVIEWED. FINAL APPROVAL IS SUBJECT TO A FULL UNDERWRITING REVIEW OF SUPPORT DOCUMENTATION, INCLUDING APPLICANTS’ CREDITWORTHINESS, ASSETS, AND INCOME INFORMATION, AND A SATISFACTORY APPRAISAL. LET TIM STORM SHOW YOU HOW -------------------------------------------------------------------------------- “Most sellers will not even entertain an offer from a buyer unless they have been PreApproved by a Lender” -------------------------------------------------------------------------------- Even if you have been Pre-Qualified by another lender, it will be worth your while to have me prepare custom loan scenarios along with a video explanation of the scenarios. The video explanation is a unique way of thoroughly explaining the loan process. When you are ready for a unique loan shopping experience please call me directly at 949.829.1846 You will be working directly me, Tim Storm. Sharing is caring! * Post * Share * Pin * Mail * Share CONTACT ME FOR ALL YOUR MORTGAGE NEEDS Tim Storm Branch Manager MLO 223456 Arbor Financial Group 1801 E Garry Ave, Santa Ana, CA 92705 Direct/Text 949-829-1846 TimothyS@Arborfg.com Copyright © 2023 Arbor Financial Group. NMLS#236669 1805 E Garry Ave, Santa Ana CA 92705 , 1-949-829-1846. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to credit and property approval. Other restrictions and limitations may apply. FIND HELPFUL INFO IN THE RESOURCE CENTER * Conventional Loan * Jumbo Loan * VA Loan Program for Orange County Veterans * What is an FHA Loan? * Mortgage Dictionary * FHA First Time Buyers * FHA Lending Center * FHA Refinance * Home Loans For Buying Homes in Orange County, CA * Refinancing Options for Orange County Home Owners SEE MY MOST RECENT BLOG POSTS * Thinking About Using Your 401(k) To Buy a Home? * Why It’s Still a Sellers’ Market * Is the Shifting Market a Challenge or an Opportunity for Homebuyers? * Why Growing Home Equity Is Great News if You Plan To Move [INFOGRAPHIC] * Should I Buy a Home Right Now? LIKE CA VA LOAN SPECIALIST ON FACEBOOK * Privacy Policy * Licensed In: CA. 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