Who We Are and How We Work | Arbor Financial Group
Mike Bjork at Arbor Financial Group
Mike Bjork
Arbor Financial Group
Phone: (310) 923-1884
Email: [email protected]
NMLS# 275652
Company NMLS# 236669
Licensed in: CA, MN, AZ
Who We Are and How We Work | Arbor Financial Group
Estimate, quote, or approval?
Based on your inputs
Terms for a specific loan
A lender’s decision
How we work
Before you borrow
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Who we are and how we work
is a mortgage broker. We help homeowners compare home-equity and refinance options, explain the costs, and decide whether borrowing fits their goals.
Mortgage broker (this website represents a brokerage, not a direct lender). NMLS # · NMLS #
These words mean different things. Read the label on every number you see.
1 · Estimate Based on your inputs A calculation from numbers you enter, such as a home value you estimate. It is not verified, appraised, or underwritten.
2 · Quote Terms for a specific loan Proposed rate, fees, and payment for a loan scenario, based on information you have provided. Terms can change until you lock or close.
3 · Approval A lender’s decision Given only after the lender reviews your credit, income, documents, and the property, usually with an appraisal. A broker cannot approve a loan.
Our practice is to explain the options, not to push one. If borrowing is not the better choice, we will say so.
Home-equity borrowing creates debt secured by your home. Failure to repay can lead to foreclosure.
· NMLS #
Estimates are not an appraisal, approval, commitment, or loan offer.