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Nathan Carpenter loan officer

Nathan Carpenter

(17)
Nathan Carpenter - Arbor Financial Group
  • Loan Officer
  • 11 Years of Experience
  • Santa Ana, CA
  • 1 Like

About Nathan Carpenter

Nathan Carpenter is a trusted mortgage professional with Arbor Financial Group, known for his client-first approach, clear communication, and strategic guidance throughout the home-financing process. With a strong foundation in residential lending and a deep understanding of today's dynamic market, Nathan helps clients make confident, well-informed decisions whether they're purchasing a home, refinancing, or exploring ways to leverage their equity. At Arbor, Nathan combines industry expertise with a personalized experience tailored to each client's long-term financial goals. He is committed to delivering transparent options, proactive updates, and a smooth, well-supported loan journey from application to closing. Nathan works closely with first-time buyers, move-up homeowners, and real estate investors, ensuring they receive customized financing solutions that match their needs. His focus on education, service, and long-term relationships has earned him a reputation as a reliable mortgage resource for both clients and referral partners. Areas of Focus: o Home purchase loans o Refinance and rate-term improvements o Cash-out and home-equity strategies o First-time homebuyer guidance o Investor and second-home financing o Relationship-based client service and communication Dedicated, detail-oriented, and always accessible, Nathan Carpenter is committed to providing a mortgage experience that's smooth, strategic, and centered on what matters most -- helping clients achieve their homeownership goals with confidence.
Learn More About Nathan Carpenter

Languages

  • English

Credentials

LICENSE
NMLS - California - #188608
NMLS - Oregon - #188608
NMLS - Washington - #188608

Type of Properties Serviced

  • Multi-family home
  • Manufactured or mobile home
  • Condominium
  • Townhome
  • Single family home

Type of Loans Offered

  • Reverse mortgage
  • Home equity
  • Property refinance
  • Property purchase

Loan Options Offered

  • Construction to permanent financing
  • Bridge loan / Gap financing
  • USDA loan
  • FHA loan
  • Adjustable rate loan
  • Renovation Loans
  • Jumbo loan
  • VA loan
  • Interest only mortgage
  • Fixed rate loan
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17 Reviews

Rockelle

I highly recommend Nathan, from start to finish and beyond with our first home he has been a pleasure to work with. Not only is he knowledgeable and got us a great loan, but also very personable and made himself available to answer all of our questions along the way.

Chedam

?? The Best Loan Officer Ever! ?? Nathan made the mortgage process smooth and stress-free. He patiently answered all my questions—even those outside his role—and worked hard to find us the best deal. His professionalism, dedication, and genuine care truly set him apart. Even after the closing, Nathan continued to check in, answer my follow-up questions, and make sure we felt confident and supported. That kind of commitment is rare, and it shows how much he truly cares about his clients. ? Thank you, Nathan, not only for all your hard work and guidance but also for the thoughtful gift. We are truly grateful! Soner & Chedam

Kevin

Nate is very awesome to work with! Very knowledgeable in the field and detail oriented He really is all about getting you the best deal possible. Super friendly and easy to work with, always there for you by your side the whole way..I would highly recommend Nate Carpenter at Arbor Financial if you need to refinance.

Lyndsey

Finding Nathan was like finding our very own local guardian angel. He has helped us with two different home purchases. Not only is he an unbelievably smart and resourceful professional, but his genuine care and dedication towards making the dream of owning a home possible for his clients is unmatched. We are forever grateful to have met Nathan and highly recommend him to anyone!

Lisa

Nathan was professional and knowledgeable, and has a warm friendly demeanor. He really went above and beyond, helping with a problem we had with the title company. He swooped in and fixed the problem and set everyone straight. I felt supported, and he was patient with all my questions. I know I got the best loan possible too. Five star service!

Location

Santa Ana, CA 92705

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Business Hours

Mon
09:00am - 06:00pm
Tue
09:00am - 06:00pm
Wed
09:00am - 06:00pm
Thu
09:00am - 06:00pm
Fri
09:00am - 06:00pm
Sat
Closed
Sun
Closed

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