Home
Educational Modules
Purchase A Home
Refinance A Home
Rent vs Buy
Renovation Loan
Veteran Loan
Reverse
Jay Carr
Mortgage AdvisorVideo about me
TALK TO ME
1
/12
First Time Home Buyer
2
/12
Home Buyer
3
/12
Veteran
4
/12
Financial Planner
5
/12
CPA
6
/12
Realtor
7
/12
Estate Planning Attorney
8
/12
Home Seller
9
/12
Why Arbor?
10
/12
Self Employed
11
/12
Leveraging Real Estate Equity
12
/12
Family Law Attorney

Your Dream Home is Within Reach.

Buying a home isn't just a new place to live, but an investment in your future. Start investing in yourself and own your home.
Start Owning Today

The Benefits of Owning:

1
Part of your monthly payment goes towards equity of your home, which can turn into a profit if you sell.
2
Because you are investing in an asset, your credit score can increase over time.
3
Many times, your mortgage interest, property taxes and sometimes even closing costs could be tax deductible.
4
Our wide range of mortgage options allow for great flexibility and financial planning.
Want to hear more about the benefits of homeownership? Talk with a Home Loan Specialist today.
Schedule a Consultation
Jay Carr
Mortgage Advisor
Label here

There are significant benefits owning your home. Just to name a few:

Want to hear more about the benefits of homeownership? Talk with a Home Loan Specialist today.
1
From paint color to a new floor, it’s your home and you can customize it any way you choose.
2
Part of your monthly payment goes towards equity of your home, which can turn into a profit if you sell.
3
Many times your mortgage interest, property taxes and sometimes even closing costs could be tax deductible.
4
Our wide range of mortgage options will help you predict your monthly mortgage payments versus being subject to annual rent increases you can't always plan.
Schedule a Consultation

Get All the Ins and Outs of Homeownership

Instead of day dreaming about your dream home... use a renovation loan and just build it!
1
Qualify for a Loan
2
Find Your Ideal Home
3
Earn Equity Over Time
Instead of day dreaming about your dream home... use a renovation loan and just build it!
Get Your Guide

Your local remodeling professionals

Instead of day dreaming about your dream home... use a renovation loan and just build it!
Cabinets
Flooring
Financing
Lighting
Bathroom
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation
Phil Ganz
Mortgage advisor from Fairway
Instead of day dreaming about your dream home...
Boston, MA
philganz.com
schedule renovation consultation

Tools, Tips, Resources, and More

Instead of day dreaming about your dream home... use a renovation loan and just build it!
resource
Why Get Pre-Approved For A Mortgage Before Buying A Home
resource
6 Factors That Determine Your Mortgage Interest Rate
resource
Which Season Is Best To Buy Your Home?
Schedule a Consultation

Don't just take my word for it...

Ardmore, PA

Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Communication
Construction
Design
schedule renovation consultation

Reviews

Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.
Jontray Arnold
U.S. Army
Katie & Ken recently completed a major home renovation that included significant new square footage off the back of their home to make room for a brand new kitchen & master suite.

Invest in the future you deserve

Not only do you deserve a perfect home, but one that will lead to a better future. We can help you get there.
Start Owning Today
©2024-2025 Arbor Financial Group. All rights reserved. NMLS Entity ID#236669. DRE#01845041
Jay Carr - NMLS #694607
1805 E. Garry Avenue
Santa Ana, CA 92705
Office: (714) 330-6611Cell: (714) 330-6611
Privacy PolicyTerms & Conditions
DisclaimerState Licensing
See if you're paying too much for your mortgage!
Start
*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
/ 16
Where are you located?
CONTINUE
What type of home do you own?
Estimate your credit score.
CONTINUE
Please estimate the value of your property.
$80k$2M+
CONTINUE
What is the remaining 1st mortgage balance?
$80,001 to $100,000
$0$300k+
CONTINUE
What is your 1st mortgage interest rate?
5%
0%10%
CONTINUE
What kind of rate do you have?
What kind of rate would you prefer?
How will this property be used?
Do you have a 2nd mortage?
Would you like to borrow additional cash?
What is your average monthly income?
$10,001 to $15,000
$0$50k+
CONTINUE
What are your average monthly expenses?
$10,001 to $15,000
$0$50k+
CONTINUE
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
Prev
0
6
11
19
23
29
32
38
44
56
65
72
78
85
92
97
%
Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Jay Carr
Mortgage Advisor/
NMLS #694607
Schedule a consultation
(714) 330-6611 Jay@JayCarrLoans.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
Stop paying your landlord.
Start building equity.
Start
The Rent v's Buy quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
1
2
3
4
5
6
7
8
9
10
/ 10
What is your monthly rent payment?
CONTINUE
What's your monthly rental insurance?
CONTINUE
What's the price of the home you are considering?
CONTINUE
How much down payment can you afford?
3.5% Down
0%50%+
CONTINUE
How long would you want your mortgage to be?
CONTINUE
What is your annual income?
CONTINUE
Are you a Veteran or spouse of a Veteran?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
Prev
0
11
23
32
44
56
65
74
85
97
%
Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Jay Carr
Mortgage Advisor/
NMLS #694607
Schedule a consultation
(714) 330-6611 Jay@JayCarrLoans.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
Get your FREE mortgage payment estimate*
Start
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Question 
1
2
3
4
5
6
7
8
9
10
/ 10
Where are you located?
CONTINUE
What type of home are you purchasing?
Estimate your credit score.
CONTINUE
What is the purchase price of the new property?
$80k$2M+
CONTINUE
What is your estimated downpayment?
3.5% Down
0%50%+
CONTINUE
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
CONTINUE
What is your email address?
CONTINUE
What is your phone number?
Prev
0
11
23
32
44
56
65
74
85
97
%
Privacy & Security Guaranteed
Thanks for your
information request!
Need more help of your homeownership journey? Schedule an appointment today. Or contact directly:
Jay Carr
Mortgage Advisor/
NMLS #694607
Schedule a consultation
(714) 330-6611 Jay@JayCarrLoans.com
Your information won’t be sold
Oops! Something went wrong while submitting the form.
1 Jay Carr Jay@JayCarrLoans.com Chat