Business Details
Your Trusted Mortgage Broker in Ann Arbor, MI
At Arbor One Mortgage, we treat each customer as an individual, not a number. With over 100 investors in our network, we offer access to a wide range of loan programs, including conventional, FHA, VA, USDA, and reverse mortgages. Our team prioritizes personalized service, using common-sense approaches to help clients secure the best possible financing solutions. We specialize in both full-document and no-document loans, catering to diverse financial situations.Our expertise spans residential and commercial lending, with a focus on competitive rates and transparent communication. We pride ourselves on simplifying complex mortgage processes while maintaining a commitment to ethical practices and client education. Our 24/7 support ensures clients receive timely guidance throughout their home financing journey.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Mortgages
Reverse Mortgages
Cash-Out Refinance
Jumbo Loans
Home Equity Loans
First-Time Buyer Programs
Investment Property Loans
Details
- Year established: 2025
Highlights and features
- We offer access to over 100 lenders for competitive mortgage rates
- Our team provides personalized loan solutions for unique financial situations
- We specialize in both conventional and government-backed mortgage programs
- We maintain transparent fee structures with no hidden costs
- Our loan officers have decades of combined experience in mortgage financing
What people say
Excellent communication
Knowledgeable loan officers
Competitive rates
Stress-free process
Quick approvals
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these government-backed mortgages allow down payments as low as 3.5% while offering lenient qualification standards. Our team specializes in helping clients navigate FHA's unique benefits, including easier credit qualifying and options for fixer-upper properties through the FHA 203(k) program.
VA Loans
VA loans offer zero-down payment options and favorable terms for eligible military personnel and veterans. Our specialists understand the unique needs of service members, providing expert guidance through the VA loan process including no-money-down purchases up to $417,000. We help veterans maximize their benefits while ensuring smooth transactions with our extensive lender network.
Cash-Out Refinance
Cash-out refinancing allows homeowners to access built-up equity for various financial needs. We help clients evaluate whether converting home equity into cash aligns with their financial goals, offering competitive rates for both owner-occupied and investment properties. Our process includes detailed analysis of potential tax benefits and long-term mortgage implications.
Reverse Mortgages
Reverse mortgages provide financial flexibility for homeowners aged 62+. Our counselors explain how these loans convert home equity into tax-free income while allowing borrowers to remain in their homes. We specialize in FHA-insured HECM products, ensuring clients understand all requirements and implications before proceeding.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. Our experts connect clients with specialized lenders offering competitive terms for luxury homes and unique properties. We provide tailored solutions for borrowers needing financing above standard conforming loan amounts while maintaining rigorous underwriting standards.
People
Reigis Recchia
Branch Manager, Senior Loan Officer
With over 20 years of mortgage experience, Reigis Recchia specializes in finding creative financing solutions. Clients praise his attention to detail, transparent communication, and ability to navigate complex loan scenarios while maintaining a personalized approach throughout the mortgage process.
Anne Nauts
Managing Partner, Senior Loan Officer
Anne Nauts brings extensive expertise in mortgage lending with a focus on client education. Known for her responsiveness and market knowledge, she helps clients understand all available options while streamlining the loan process for both first-time buyers and experienced investors.
Mark Bracey
Senior Loan Officer
Mark Bracey specializes in working with self-employed borrowers and complex financial situations. His patient approach and thorough explanations help clients make informed decisions about their mortgage options while ensuring clear communication throughout the entire loan process.
Pete Stegler
Conventional and Government Lending Specialist
Pete Stegler has earned recognition for his exceptional client service in both conventional and government loan programs. Clients consistently highlight his proactive communication, problem-solving skills, and ability to explain complex mortgage concepts in easily understandable terms during the home financing journey.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, conventional loans with down payment assistance programs, and specialized first-time buyer education resources to help new homeowners make informed decisions.
Can I refinance with bad credit?
Yes, we work with lenders offering flexible refinance options. While credit requirements vary by program, our team specializes in finding solutions for borrowers with credit challenges through our extensive investor network.
How does the VA loan process work?
VA loans require a Certificate of Eligibility and specific documentation. Our VA loan specialists guide veterans through each step, from pre-approval to closing, ensuring they maximize their military service benefits while meeting all program requirements.
What documents are needed for mortgage approval?
Typical requirements include recent pay stubs, tax returns, bank statements, and government ID. Our team provides personalized checklists and works closely with clients to ensure efficient document submission and processing.
How long does the mortgage process take?
While timelines vary by loan type, our average closing time is 30-45 days. We offer expedited processing for qualified borrowers and maintain regular communication to keep clients informed throughout each stage of the transaction.
Do you offer online mortgage applications?
Yes, our secure online application allows for convenient submission of basic information. We combine digital efficiency with personalized support, providing dedicated loan officer assistance throughout the entire application and approval process.
