About Us
Home Purchase Loans in Santa Ana, Mission Viejo, Laguna Niguel
Nathan Carpenter – Mortgage Loan Officer joined Arbor Financial Group in 2014, and I have been passionate about providing personalized mortgage solutions to help my clients achieve their homeownership dreams. As a dedicated mortgage loan officer, I pride myself on guiding borrowers through the complex landscape of loan options available today. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, I am here to help you every step of the way. With a range of loan products, including FHA Loans, VA Loans, Jumbo Loans, and Conventional Loans, our goal is to find the best fit for your unique financial situation. I have achieved Pro Elite from UWM in 2024 and 2025.
One of the standout features of our services is our commitment to serving the diverse needs of our clients. We recognize that the journey to homeownership can be overwhelming, so we offer a variety of refinance programs as well. From FHA Streamline and VA Cash Out options to Jumbo refinances, we offer competitive mortgage rates and fees, as well as clear and transparent mortgage communication.
Low rates and affordable Loan payments
Home Purchase
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Refinance
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Testimonials
What our clients say about us
Posted on KristenTrustindex verifies that the original source of the review is Google. I would recommend Nathan to everyone I know. Escrow can be full of hurdles, and Nathan helped us get to the finish line regardless! He can make things happen for his clients and we will forever be grateful.Posted on Daniel D'souzaTrustindex verifies that the original source of the review is Google. Nathan is very detailed and always available to answer my questions. This was my first investment property, and he walked me through the entire process, making sure I understood every step. He’s easy to talk to, knowledgeable, and made the experience smooth. I would highly recommend Nathan to anyone looking for a loan officer they can trust.Posted on Carla FlanneryTrustindex verifies that the original source of the review is Google. Mr. Carpenter helped me buying my first home. He was very friendly and very nicely assisted with the lending process. He made himself available through phone call, text or email which was very comforting during the home buying process. His kindness went even further when I was also gifted with a housewarming present: a personalized wooden cutting board! It was just what I needed when I moved it and I use it all the time. Thank you Nathan!Posted on skabteneh kabtenehTrustindex verifies that the original source of the review is Google. Nathan Carpnter is very honest, fast, always keeps his words, knows what he is doing.He is th most trusted, Knew him for years and he did my house refinance and now helped me buying a house with a fare interest rate and fast timing. Thank you Nathan, you are the best.Posted on Rockelle RoblesTrustindex verifies that the original source of the review is Google. I highly recommend Nathan, from start to finish and beyond with our first home he has been a pleasure to work with. Not only is he knowledgeable and got us a great loan, but also very personable and made himself available to answer all of our questions along the way.Posted on ChedamTrustindex verifies that the original source of the review is Google. ⭐️ The Best Loan Officer Ever! ⭐️ Nathan made the mortgage process smooth and stress-free. He patiently answered all my questions—even those outside his role—and worked hard to find us the best deal. His professionalism, dedication, and genuine care truly set him apart. Even after the closing, Nathan continued to check in, answer my follow-up questions, and make sure we felt confident and supported. That kind of commitment is rare, and it shows how much he truly cares about his clients. 💖 Thank you, Nathan, not only for all your hard work and guidance but also for the thoughtful gift. We are truly grateful! Soner & ChedamPosted on Kevin QuinlanTrustindex verifies that the original source of the review is Google. Nate is very awesome to work with! Very knowledgeable in the field and detail oriented He really is all about getting you the best deal possible. Super friendly and easy to work with, always there for you by your side the whole way..I would highly recommend Nate Carpenter at Arbor Financial if you need to refinance.Posted on Lyndsey PersuttiTrustindex verifies that the original source of the review is Google. Finding Nathan was like finding our very own local guardian angel. He has helped us with two different home purchases. Not only is he an unbelievably smart and resourceful professional, but his genuine care and dedication towards making the dream of owning a home possible for his clients is unmatched. We are forever grateful to have met Nathan and highly recommend him to anyone!Posted on Lisa FixTrustindex verifies that the original source of the review is Google. Nathan was professional and knowledgeable, and has a warm friendly demeanor. He really went above and beyond, helping with a problem we had with the title company. He swooped in and fixed the problem and set everyone straight. I felt supported, and he was patient with all my questions. I know I got the best loan possible too. Five star service!
Get In Touch
Don't hesitate to contact us for more information
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
1805 E. Garry Ave. Santa Ana, CA 92705
nathan@arborfg.com
(949) 280-9586