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 O’Kane 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, 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.
Conventional loans are a great fit for buyers with solid credit and steady income. They’re flexible, widely accepted, and often come with competitive rates. Whether you’re buying a home or refinancing, Ryan O’Kane helps you explore your options, compare rates, and move forward with a loan that fits your goals.
FHA loans are designed to make homeownership easier, especially for first-time buyers or those with less-than-perfect credit. With low down payments and flexible guidelines, they’re a smart way to get started. Ryan O’Kane walks you through every step, making sure you feel confident and supported from application to closing.
VA loans offer incredible benefits for veterans, active-duty service members, and surviving spouses — including no down payment and no private mortgage insurance. Ryan O’Kane is proud to serve those who’ve served, making the process smooth, respectful, and focused on helping you buy or refinance with confidence.
Down Payment Assistance (DPA) programs can help reduce the upfront costs of buying a home, making homeownership more accessible for qualified buyers. These programs offer grants, forgivable loans, or deferred repayment options that can be used toward your down payment or closing costs. Ryan O’Kane helps you explore local and state-level DPA opportunities, guiding you through the process to maximize your savings and secure the support you need to purchase with confidence.
Buying your first home is a major milestone, and the right financing can make all the difference. First-time homebuyer loans are designed to make the process easier with benefits like low down payments, flexible credit requirements, and access to special assistance programs. Ryan O’Kane takes the time to understand your goals and walks you through each step, helping you secure a loan that fits your financial situation and gets you into your first home with confidence.
If you’re self-employed, qualifying for a mortgage doesn’t have to be complicated. Traditional income documentation isn’t always a perfect fit for business owners, freelancers, or independent contractors. Ryan O’Kane specializes in self-employed mortgage solutions that look beyond tax returns, using bank statements, profit and loss statements, or other flexible options to verify income. He’ll help you find the right path to homeownership with a loan built around how you actually earn.
Jumbo loans are designed for buyers purchasing high-value homes that exceed conventional loan limits. These loans are common in competitive markets and require strong credit, solid income, and larger down payments. Ryan O’Kane helps clients navigate the added requirements of jumbo financing with expert guidance, ensuring a smooth process from pre-approval to closing. If you’re buying a luxury property or upgrading to a larger home, Ryan can help you secure the financing you need.
Non-QM loans are designed for borrowers who don’t meet traditional lending guidelines but still have the ability to repay. Ideal for self-employed professionals, real estate investors, or those with unique income sources, these loans offer flexible underwriting using alternative documentation like bank statements or asset-based qualifying. Ryan O’Kane helps you explore Non-QM options that match your financial profile, making home financing possible even when your situation doesn’t fit the standard mold.
Bank statement loans offer a practical solution for self-employed individuals who have strong cash flow but don’t qualify through traditional income verification. Instead of tax returns or W-2s, lenders review 12 to 24 months of personal or business bank statements to assess income. Ryan O’Kane helps self-employed buyers and business owners use their true earnings to qualify for home financing, making the process straightforward and aligned with how you manage your finances.
Stand out with the power of a cash offer—without needing all the cash.
Gain a competitive edge in today’s market with Cash Advantage, powered by Zavvie. This program lets qualified buyers make strong, cash-backed offers that close faster and give sellers greater confidence. Whether you’re moving up, downsizing, or buying for the first time, Cash Advantage helps you move forward with speed, certainty, and flexibility.
Whether you’re buying your first rental property or expanding your real estate portfolio, the right financing is key to long-term success. Investment property loans are structured to support income-generating properties, often with different requirements than primary residences. Ryan O’Kane works with investors to secure competitive loan options that align with their strategy, offering expert insights on down payments, cash flow analysis, and qualifying without traditional income documentation when needed.
ITIN loans make it possible for non-U.S. citizens without a Social Security number to purchase or refinance property using an Individual Taxpayer Identification Number. These programs are ideal for foreign nationals looking to invest or establish residency in the U.S. Ryan O’Kane helps ITIN borrowers understand their financing options, guiding them through a smooth process with lenders who specialize in non-traditional documentation and international client needs.
Refinancing can be a smart way to lower your interest rate, reduce monthly payments, access home equity, or switch loan types. Whether you’re looking to improve cash flow or pay off your mortgage faster, Ryan O’Kane offers personalized refinance solutions based on your financial goals. With clear guidance and a focus on long-term savings, Ryan helps homeowners make the most of current market opportunities through strategic refinancing.
A cash-out refinance lets you tap into your home’s equity and convert it into usable cash — whether for home improvements, debt consolidation, or major life expenses. By refinancing into a new loan for more than you owe, you can access the difference in cash while potentially improving your loan terms. Ryan O’Kane helps homeowners evaluate if a cash-out refinance is the right fit, offering clear advice and tailored options to make the most of your equity.
Renovation and construction loans provide financing for building a new home or making major upgrades to an existing property. These loans are structured to fund the project in stages, based on progress, and often roll into permanent financing once the work is complete. Ryan O’Kane helps buyers, homeowners, and investors secure the right loan for custom builds or improvements, guiding you through each phase with expertise and lender partnerships that support your vision.
Backed by the U.S. Department of Agriculture and offer zero down payment options for eligible buyers in rural and suburban areas. These loans feature competitive interest rates and flexible credit guidelines, making homeownership more accessible. USDA loans are a great fit for buyers looking to purchase a primary residence in qualifying locations with affordable, long-term financing.
A reverse mortgage allows homeowners aged 62 and older to access the equity in their home without selling or making monthly mortgage payments. Funds can be used for retirement income, medical expenses, home improvements, or paying off existing loans. This FHA-insured program helps seniors stay in their home while converting equity into tax-free cash with flexible payout options.
Perfect for self-employed borrowers with contract or freelance income, this loan uses 1099 forms and bank statements instead of W-2s to verify earnings. With flexible qualification guidelines, it’s a smart option for independent professionals, gig workers, and entrepreneurs who may not qualify for conventional mortgage programs making homeownership more accessible for those with non-traditional income.
DSCR loans are designed for real estate investors and qualify based on rental income, not personal income. These loans use the property’s cash flow to determine eligibility, making it easier to finance investment properties without tax returns or traditional documentation. DSCR loans are ideal for growing your real estate portfolio with flexible underwriting and faster approvals.
A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity through a flexible credit line. Use funds as needed for renovations, large purchases, or debt consolidation. With competitive rates and interest-only payment options during the draw period, a HELOC gives you control, convenience, and ongoing access to the value you’ve built in your home.
Adjustable-rate mortgages offer lower initial interest rates compared to fixed-rate loans, making them a smart option for short-term homeowners or those expecting income growth. Rates adjust periodically based on market conditions after the fixed period ends. ARMs provide flexibility and potential savings, especially for buyers who plan to move or refinance within a few years.
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!
Whether you’re buying your first home, investing in property, or navigating the mortgage process as a self-employed borrower, this FAQ section breaks down the most common questions with clear, helpful answers. You’ll find straightforward guidance on loan programs like FHA, VA, Conventional, and Non-QM options. Ryan O’Kane and ARBOR Financial Group are here to make things simple, so you can move forward confidently and make decisions with clarity.
A Conventional Home Loan is a mortgage not insured by the government and typically offered by private lenders. These loans follow Fannie Mae and Freddie Mac guidelines, often require a higher credit score, and come with flexible term options. Borrowers can use a conventional loan to purchase a primary home, second home, or investment property. Conventional mortgages may offer competitive rates, especially for borrowers with strong credit and a stable income.
An FHA Loan, insured by the Federal Housing Administration, is designed to make homeownership more accessible, especially for first-time buyers or those with lower credit scores. FHA loans typically require a minimum down payment of 3.5% and allow for more flexible credit qualifications. They’re ideal for buyers looking for low down payment options and more lenient approval criteria.
VA Loans are backed by the U.S. Department of Veterans Affairs and are available to eligible veterans, active-duty service members, and surviving spouses. These loans offer no down payment, no private mortgage insurance (PMI), and competitive interest rates. VA Home Loans are a powerful benefit designed to make homeownership more affordable for those who have served in the military.
A USDA Loan, offered by the U.S. Department of Agriculture, helps low-to-moderate income buyers purchase homes in eligible rural and suburban areas. These loans offer 100% financing, reduced mortgage insurance, and affordable interest rates. To qualify, the property must be located in a USDA-approved area, and the borrower must meet income and credit requirements.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are used to finance high-value properties, especially in competitive real estate markets like California and New York. Jumbo loans typically require a higher credit score, larger down payment, and strong financial reserves due to the increased lending risk.
A Reverse Mortgage is a loan option available to homeowners aged 62 or older that allows them to convert part of their home equity into cash without selling their home. The most common type is the Home Equity Conversion Mortgage (HECM). Repayment is deferred until the homeowner moves out, sells the home, or passes away. It’s a helpful tool for retirees looking to supplement retirement income.
Non-Qualified Mortgage (Non-QM) Loans are designed for borrowers who don’t meet the strict guidelines of traditional loans, such as self-employed individuals, business owners, or those with non-traditional income. These loans may use bank statements, 1099s, or asset documentation instead of tax returns. Non-QM loans provide flexible financing options for unique income situations.
A Bank Statement Loan allows self-employed borrowers to qualify for a mortgage using personal or business bank statements instead of tax returns. This type of loan evaluates average monthly deposits to determine income, making it ideal for entrepreneurs, freelancers, and business owners with strong cash flow but irregular income documentation.
Investment Property Loans are used to finance residential real estate that is not owner-occupied, such as rental properties, vacation homes, or multi-unit dwellings. These loans typically require larger down payments and higher interest rates than primary home loans, but they enable investors to generate rental income and build long-term wealth through real estate.
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home’s equity. It allows homeowners to borrow funds as needed, similar to a credit card, and is commonly used for home improvements, debt consolidation, or emergency expenses. HELOCs offer flexible access to funds with interest-only payment options during the draw period.
A Cash-Out Refinance replaces your current mortgage with a new, larger one — giving you the difference in cash. Homeowners often use this option to tap into their home equity for purposes like debt consolidation, renovations, or major purchases. It’s ideal if you want to access funds without taking out a separate loan, and your home’s value has significantly increased.
An Adjustable-Rate Mortgage (ARM) offers a low introductory interest rate for a set period, typically 5, 7, or 10 years, after which the rate adjusts annually based on market conditions. ARMs can offer lower initial payments compared to fixed-rate mortgages, making them attractive for buyers planning to sell or refinance before the adjustment period begins.
ITIN Loans are home financing solutions for non-U.S. citizens who do not have a Social Security number but possess an Individual Taxpayer Identification Number (ITIN). These loans allow foreign nationals and undocumented immigrants to purchase or refinance homes. ITIN mortgage programs are a valuable option for building homeownership in immigrant communities.
Construction and Renovation Loans provide financing for building a new home or making significant improvements to an existing one. They typically include both the land purchase and construction costs in one loan. Renovation loans, like the FHA 203(k) or Fannie Mae Homestyle, cover upgrades, remodels, or repairs, helping buyers finance homes that need work.
A 1099 Mortgage is tailored for independent contractors and self-employed individuals who receive 1099 income instead of W-2 wages. Instead of traditional income documents, lenders review recent 1099 forms and bank statements to verify income. These loans provide a path to homeownership for gig workers, consultants, and freelancers who have consistent but non-traditional income.
A DSCR Loan (Debt Service Coverage Ratio Loan) is used by real estate investors to qualify based on a property’s cash flow rather than personal income. The DSCR is calculated by dividing the property’s monthly rental income by its mortgage payment. If the ratio is 1.0 or higher, the property is considered to cover its debt. DSCR loans are ideal for investment property purchases.
First-Time Homebuyer Programs and Down Payment Assistance (DPA) Loans offer financial support, reduced interest rates, and low or no down payment options to qualified buyers. Many programs are state or city-sponsored and tailored for buyers who haven’t owned a home in the past three years. These programs help make homeownership more affordable and accessible for new buyers.
An Asset-Based Mortgage allows borrowers to qualify using liquid assets instead of traditional income documentation. Lenders evaluate bank accounts, investment portfolios, or retirement funds to determine eligibility. This is a popular option for retirees, high-net-worth individuals, or self-employed borrowers with significant savings but irregular income streams.
A Profit and Loss Mortgage is designed for self-employed individuals who may not show consistent income on tax returns. Instead, lenders use a CPA-prepared P&L statement to verify income. This option is ideal for small business owners, entrepreneurs, and independent contractors who can document business performance even if they write off large expenses.
A Private Mortgage Loan, also known as a Hard Money Loan, is financed by private investors or companies rather than traditional banks. These loans are typically asset-based, faster to fund, and useful for real estate investors or buyers needing short-term financing, especially when conventional qualifications aren’t met. They often come with higher interest rates and shorter terms but provide flexible approval.
An Asset Depletion Mortgage uses the borrower’s liquid assets to estimate monthly income, calculated over a set term (usually 120 or 360 months). This is especially useful for retirees, trust fund holders, or wealthy clients who have substantial savings but no traditional income. It’s a smart solution for qualifying without a job or W-2.
An Interest-Only Non-QM Loan lets borrowers pay only the interest portion of their mortgage for a set number of years, usually 5 to 10. This reduces initial monthly payments and offers greater cash flow flexibility, often appealing to investors, business owners, or those expecting future income growth. After the interest-only period, full principal and interest payments begin.
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
