Business Details
Your Trusted Mortgage Partner in Ann Arbor, MI
At Arbor One Mortgage, we pride ourselves on treating every client as an individual, not a number. With over 100 lending partners ranging from top-tier investors to specialized hardship lenders, we deliver tailored mortgage solutions that align with each client's unique financial situation. Our team of seasoned professionals leverages decades of combined experience in conventional, FHA, VA, USDA, and jumbo loan programs to secure competitive rates and favorable terms. We specialize in navigating complex scenarios, including no-documentation loans, multi-family properties, and investor financing, while maintaining transparency throughout the process.Our commitment to ethical lending practices and personalized service has earned us a reputation as a trusted advisor in the mortgage industry. We empower clients with clear explanations of loan structures, market conditions, and long-term financial implications, ensuring informed decision-making. Our track record of successful closings under challenging circumstances demonstrates our ability to transform mortgage obstacles into opportunities for homeownership.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Reverse Mortgages
Cash-Out Refinance
Down Payment Assistance
Jumbo Loans
Investor Financing
Multi-Family Loans
Highlights and features
- We work with 100+ lending partners to secure competitive rates across all loan types
- Our team specializes in complex scenarios including investor properties and no-documentation loans
- Personalized service with transparent communication throughout the entire process
- Proven track record of successful closings under challenging circumstances
- Expert guidance on loan structures and long-term financial implications
What people say
Amazing service
Knowledgeable team
Personalized approach
Quick closings
Highly recommended
Services
Conventional Loans
Our conventional loan program offers flexible terms for primary residences, investment properties, and second homes. With options ranging from 10 to 30-year fixed rates and adjustable-rate mortgages, we help clients find optimal solutions for their financial goals. Our experienced underwriters work directly with borrowers to navigate documentation requirements and secure competitive pricing through our extensive lender network.
FHA Loans
FHA-insured mortgage programs provide accessible homeownership opportunities with low down payment requirements and flexible credit standards. Our specialists guide first-time buyers through the process while helping experienced homeowners leverage refinance options. We maintain direct relationships with HUD-approved lenders to ensure smooth processing and timely closings.
VA Loans
We specialize in VA-guaranteed mortgages for active-duty military, veterans, and eligible surviving spouses. Our team processes benefit verification, entitlement issues, and funding fee waivers with expertise. We offer competitive rate programs and work directly with the Department of Veterans Affairs to resolve documentation challenges efficiently.
Cash-Out Refinance
Our cash-out refinance program helps homeowners leverage property equity for debt consolidation, home improvements, or investment opportunities. We analyze current market values, loan-to-value ratios, and tax implications to determine optimal withdrawal amounts while maintaining favorable loan terms and interest rates.
Down Payment Assistance
We connect qualified buyers with local and state-sponsored down payment assistance programs. Our counselors evaluate eligibility for grants, forgivable loans, and tax credits while coordinating with real estate professionals to meet program requirements and ensure successful closings.
People
Anne Nauts
Loan Officer
With over 15 years of mortgage experience, Anne Nauts specializes in complex loan scenarios and first-time homebuyer programs. She maintains a 98% client satisfaction rate through personalized guidance and proactive communication.
Pete Stegler
Senior Loan Officer
Pete Stegler brings 20+ years of mortgage expertise, specializing in VA loans and international client transactions. His team consistently achieves 14-day average closing times through efficient process management and lender coordination.
Reigis Recchia
Mortgage Consultant
Reigis Recchia focuses on investor financing and multi-family properties. With a background in commercial real estate, he helps clients structure profitable investment portfolios through strategic loan programs and market analysis.
Mark Bracey
Loan Originator
Mark Bracey specializes in self-employed borrower programs and complex tax return analysis. His expertise in non-traditional income documentation has helped over 500 small business owners achieve homeownership since 2010.
Christian Draheim
Refinance Specialist
Christian Draheim leads our refinance division with expertise in rate reduction strategies and equity optimization. He has helped clients save over $2 million in interest costs through strategic loan restructuring since 2008.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse mortgages, and specialized programs for investors and self-employed borrowers. Our team works with over 100 lenders to find optimal solutions.
How do I start the mortgage process?
Begin with our free consultation form or contact us directly. We'll analyze your financial situation, discuss goals, and recommend appropriate loan programs within 24 hours.
Can you help with bad credit mortgages?
Yes, we work with lenders offering flexible credit requirements. Our specialists will help you understand credit score requirements and develop improvement strategies during the process.
What documents are needed for pre-approval?
Basic pre-approval requires income verification, asset statements, and identification. Our loan officers provide detailed checklists tailored to your specific situation and chosen loan program.
How long does mortgage approval take?
Average approval time is 14-21 days. We maintain expedited processing for qualified borrowers and offer real-time status updates through our client portal.
Do you offer online mortgage applications?
Yes, our secure online application takes 10 minutes to complete. You can also upload documents digitally and track your loan status 24/7 through our borrower portal.
