Whether you’re looking to purchase a home, refinance your current loan, or grow your career as a Loan Officer, ARBOR Financial Group is your trusted partner. Founded by industry veteran Ryan O’Kane, ARBOR combines concierge-level service with unbeatable rates — for clients and professionals ready to level up.
Chief Mortgage Officer
NMLS #292685 DRE #01328641
Discover why clients choose Ryan and ARBOR Financial Group for trusted mortgage solutions.
Ready to take your mortgage career to the next level? Whether you’re a top producer, independent loan officer, retail loan officer, or experienced branch manager, Ryan O’Kane and the ARBOR Financial team offer the tools, flexibility, and support to grow your business on your terms. With competitive compensation, a positive culture, and innovative technology, ARBOR is committed to your success. Join us and take the next step in your career.
At ARBOR Financial Group, we know what top producers need — more support, less red tape, and the power to grow without limits. Join a mortgage company where your production is valued, your compensation is competitive, and leadership is accessible.
Tired of feeling like just another number? At ARBOR Financial Group, independent loan officers get the tools, pricing, and support needed to thrive — without giving up your freedom or brand. Take control of your business with a team that backs you up.
If you want a better platform to serve your clients, you will find it here. Retail loan officers at ARBOR Financial Group benefit from industry-leading rates, top-tier operations, and the kind of leadership that clears a real path to success.
Looking for a place to truly grow your branch? Branch managers at ARBOR Financial Group gain access to aggressive pricing, cutting-edge technology, and real leadership support to help you recruit, grow your brand, and scale your business.
ARBOR Financial Group is built on relationships, not transactions. We deliver concierge-level service to every borrower and give our loan officers the tools to create outstanding client experiences every time.
At ARBOR Financial Group, you are not just a name on a spreadsheet. Led by Ryan O’Kane, our hands-on leadership team listens, supports, and helps you grow. We are a mortgage company that invests in your long-term success.
Ryan O’Kane, Chief Mortgage Officer and founding partner of ARBOR Financial Group, brings over 27 years of industry experience and a reputation built on honesty and client-focused service. A UCLA graduate, Ryan began his career in wholesale mortgage banking, quickly rising to senior leadership roles. Licensed in California and Nevada, he works closely with lenders, agents, and clients to deliver tailored financing solutions. Through ARBOR Financial Group, Ryan is committed to providing concierge-level service and competitive rates, helping clients navigate homeownership with confidence and clarity.
From first-time homebuyers to seasoned investors, Ryan offers a full range of home loan and mortgage solutions. Get competitive rates, flexible terms, and expert support to help you reach your homeownership goals with confidence.
Ryan O’Kane specializes in Conventional Home Loans that offer flexibility, competitive rates, and a smooth experience. Whether you’re purchasing a primary residence, second home, or investment property, Ryan tailors each solution to fit your long-term goals. With options for fixed or adjustable rates, he ensures you’re matched with the right loan terms.
Perfect for buyers with limited credit or lower savings, Ryan helps clients secure FHA Home Loans with low down payment requirements and flexible guidelines. These government-backed loans are ideal for first-time buyers, and Ryan’s expert guidance ensures you’re fully supported every step of the way.
Ryan is proud to help veterans and active-duty service members access VA Home Loans, offering zero down payment, no PMI, and exceptional rates. His experience ensures you get the benefits you’ve earned with a smooth, efficient process. Licensed in CA and NV, he’s here to serve those who’ve served.
For high-value homes and luxury properties, Ryan offers specialized Jumbo Loan Programs with flexible terms and competitive rates. He works closely with high-net-worth clients to create personalized financing strategies, ensuring seamless closings on properties that exceed conventional loan limits.
As a mortgage expert who understands non-traditional income, Ryan provides personalized mortgage solutions for the self-employed, freelancers, and business owners. He’ll work with your unique financial picture to structure a loan that aligns with your goals and income flow.
If your income or financial situation doesn’t meet standard loan guidelines, Ryan offers Non-QM loan solutions. These flexible options are ideal for those with complex tax returns, recent credit events, or unique income structures, offering more ways to qualify for home financing.
Designed for entrepreneurs and self-employed clients, Ryan’s bank statement loans allow you to qualify without traditional W2s. By using your deposit history, he’ll help you get approved for a mortgage based on real cash flow, making it easier to invest in your future home.
Looking to grow your portfolio? Ryan specializes in investment property loans for short-term rentals, long-term holds, or fix-and-flips. With competitive mortgage rates and financing tailored to investors, he’ll help you make smart, profitable property moves.
Ryan helps borrowers without a Social Security Number become homeowners through ITIN mortgage programs. These loans are designed for individuals with Individual Taxpayer Identification Numbers, giving access to reliable home financing and helping more families build generational wealth.
Whether you’re lowering your rate, reducing your term, or tapping equity, Ryan makes mortgage refinancing simple and strategic. He’ll evaluate your current loan and present the best refinance options to help you save money or meet new financial goals.
Tap into your home’s equity with a cash-out refinance guided by Ryan. Use the funds to consolidate debt, invest in renovations, or meet other financial goals. With competitive terms and a personalized approach, Ryan ensures your refinance works for you—not just the numbers.
Need a loan to build or improve your home? Ryan offers renovation and construction financing that covers both the property and the cost of improvements. Perfect for fixer-uppers or new builds, these loans provide a one-time close solution for smoother project funding.
USDA Home Loans are designed for homebuyers in eligible rural and suburban areas, offering zero down payment and affordable fixed rates. Ryan O’Kane helps qualified borrowers access this government-backed mortgage option, ideal for those looking for flexible credit guidelines and low monthly costs. It’s a smart, accessible way to achieve homeownership outside of major cities.
As someone who’s guided countless first-time buyers, Ryan O’Kane knows how to simplify the home loan process. He offers down payment assistance (DPA) and low down payment options to help new buyers step confidently into homeownership. Whether you’re just getting started or already house hunting, Ryan is here to help you find the right path forward.
For homeowners aged 62 and up, Ryan provides reverse mortgage options that turn your home equity into tax-free cash. You can use the funds to eliminate your monthly mortgage payment, supplement retirement income, cover major expenses, or even purchase a new home. Best of all, you stay in the home you love. Ryan ensures a clear, caring experience every step of the way.
From first-time homebuyers to experienced investors, ARBOR Financial Group offers a wide range of home loan and mortgage solutions tailored to your needs. Led by Ryan O’Kane, our team delivers competitive rates, flexible terms, and expert guidance every step of the way to help you achieve your homeownership goals with confidence.
Every borrower has a unique story. Ryan O’Kane takes the time to understand your goals and tailors mortgage solutions that align with your financial needs. Whether you’re buying your first home, refinancing, or investing, we’re here to help you succeed.
We offer access to highly competitive mortgage rates and flexible loan terms that fit your budget and long-term plans. Ryan works closely with you to find the right structure for your situation, ensuring you get the best possible value.
Navigating home financing doesn’t have to be stressful. Ryan O’Kane provides clear, honest advice from application through closing, so you always know what to expect. You’ll never feel left in the dark.
Licensed in California and Nevada and backed by ARBOR Financial Group’s national reach, Ryan helps clients across the country secure smart, strategic mortgage solutions. Wherever you’re buying or refinancing, we’re ready to assist.
Time is often critical in real estate. That’s why we prioritize efficiency—streamlining the process to get you approved quickly and moving forward with confidence. Fast, responsive service is always a top priority.
Self-employed? Non-traditional income? Credit challenges? No problem. Ryan specializes in helping unique borrowers secure mortgage solutions that make sense for their lives—not just for a checklist.
We believe transparency builds trust. Ryan keeps you informed throughout the mortgage process, with open lines of communication and timely updates so you feel confident and in control at every step.
When you work with Ryan, you gain the support of ARBOR Financial Group—a team of experienced professionals dedicated to your success. Together, we deliver outstanding service and results that speak for themselves.
Stay informed with the latest mortgage tips, market insights, and home financing guidance from Ryan and the ARBOR Financial Group team.
Ready to take the next step? Whether you’re a first-time homebuyer, looking to refinance, or exploring unique mortgage solutions, Ryan O’Kane and the ARBOR Financial Group team are here to help. Get in touch today for expert guidance, personalized service, and a smooth, stress-free home loan experience. Let’s make your homeownership goals a reality!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Ryan offers a wide range of home loan solutions, including Conventional Loans, FHA Loans, VA Home Loans, Jumbo Loans, Bank Statement Loans, and Non-QM Loans. Each option is tailored to fit your financial situation and homeownership goals.
As a first-time homebuyer, Ryan will guide you through the entire process—from pre-approval to closing. He also offers DPA (Down Payment Assistance) programs that can reduce upfront costs and make homeownership more accessible.
You’ll typically need proof of income (W-2s or tax returns), bank statements, credit history, employment verification, and identification. If you’re self-employed, additional documentation like bank statements or profit and loss reports may be required.
Yes. Ryan specializes in helping self-employed clients through Bank Statement Loans and Non-QM loan options, which don’t require traditional income verification and are ideal for entrepreneurs or freelancers.
The average mortgage process can take 21 to 30 days, depending on the loan type and how quickly documents are submitted. Ryan’s team works efficiently to keep the timeline on track and will update you at every stage.
Absolutely. Whether you’re looking to lower your monthly payment, shorten your loan term, or take cash out, Ryan can help you compare refinance options and determine the best path forward.
If you’re a veteran or active-duty service member, a VA Loan offers benefits like zero down payment and no private mortgage insurance. FHA Loans are great for buyers with lower credit scores or limited savings for a down payment. Ryan will help you choose the loan that aligns with your goals.
Ryan is licensed in California and Nevada, and can assist clients purchasing or refinancing homes anywhere within these states.
Yes, and it’s highly recommended. A mortgage pre-approval shows sellers you’re a serious buyer and helps you understand how much you can afford. Ryan offers a quick and easy pre-approval process to get you started with confidence.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
You can schedule a consultation, fill out a pre-approval application, or contact Ryan directly. He’s here to answer your questions and help you choose the best mortgage solution for your needs.
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
