![](http://lbce.7858a.com/hubfs/assets/images/billboards/family%20moving%20into%20home.jpg)
- Personal
- Home Loans
- Mortgage Options
- Low & No Money Down
3% Down Mortgages
Saving thousands of dollars for a down payment is a steep hill to climb. Our low and no money down mortgages for first-time home buyer loans help level the playing field.
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 3.50% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Mobile & Online BankingBank anytime. Bank anywhere.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Direct Deposit with Early PayDirect deposits up to 5 days sooner.
- Digital WalletTap to pay with your phone.
- TellerPhone 24Manage your accounts anytime, without going online.
- Deposit Rates
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Security Center
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 3.50% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Mobile & Online BankingBank anytime. Bank anywhere.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Direct Deposit with Early PayDirect deposits up to 5 days sooner.
- Digital WalletTap to pay with your phone.
- TellerPhone 24Manage your accounts anytime, without going online.
- Deposit Rates
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Security Center
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
Knocking down another obstacle to homeownership.
With car loans, student loans, and a growing family, it's difficult to save money when you're just starting out — but that doesn't mean you have to delay your dreams. Arbor Financial's 3% Down Mortgage means you need thousands of dollars less for a down payment than with conventional loans to buy a home in Michigan.
Call us today at 269.544.3105 and find out what our team can do for you!
![family with keys outside new home](http://lbce.7858a.com/hs-fs/hubfs/family%20with%20keys%20outside%20new%20home.jpg?width=1100&height=1100&name=family%20with%20keys%20outside%20new%20home.jpg)
Here's how an Arbor Financial 3% Down Loan can move you into a new home:
- Perfect for first-time home buyers who have limited funds for a down payment.
- Several loan terms are available.
- Low 3% down payment.
- Low closing costs.
- Easy application process with a quick response.
- Loan pre-approval process to help you focus your housing search.
- Loan serviced at Arbor Financial so you'll always speak to someone local should you have questions.
When you're ready to apply, here's what to consider:
You'll need documentation for all borrowers, including:
- Social Security number
- Contact and employment information
- Best estimates of income, assets, and liabilities
Once you've applied, we'll contact you to:
- Guide you through the loan process
- Complete your loan application package
- Help you select the best program and interest rate