Whether you’re buying a home, refinancing, or growing your career as a Loan Officer, ARBOR Financial Group is your trusted partner. Led by John Goodpaster, Senior Managing Director, ARBOR delivers expert mortgage guidance, competitive rates, and real career opportunities. We help clients and professionals succeed in today’s market.
Senior Managing Director
NMLS #230125 DRE #01259719
Find out why clients choose John Goodpaster and ARBOR Financial Group for trusted, personalized mortgage solutions.
Ready to grow your mortgage career? Whether you’re a top producer, independent loan officer, retail loan officer, or experienced branch manager, John Goodpaster and the ARBOR Financial team provide the tools, flexibility, and support to grow your business your way. With competitive compensation, a positive culture, and cutting-edge technology, ARBOR is committed to your success. Take the next step in your career with us.
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.
With over 20 years of experience in mortgage banking, John Goodpaster is a trusted expert in guiding clients through the mortgage process. As Senior Managing Director at ARBOR Financial Group, he leverages strong relationships with lenders to secure the best loan terms in California’s competitive real estate market.
John has extensive experience in both home loans and investment property financing, specializing in helping investors find profitable opportunities in Southern California, where more affordable property values now provide solid cash flow without relying on risky loan structures.
Whether you’re a first-time homebuyer or a seasoned investor, John offers personalized financing solutions tailored to your unique needs. He takes the time to explain your options, craft customized scenarios, and offer valuable insights into purchase, refinance, and investment opportunities.
Licensed in California, John is committed to helping you make informed decisions and achieve your homeownership and investment goals with confidence.
Looking to grow your career in the mortgage industry? John and ARBOR Financial provide the tools, support, and career growth opportunities for professionals to thrive. Whether you’re a top producer or looking to get started, ARBOR offers the platform to elevate your career.
From first-time buyers to experienced investors, John Goodpaster offers a wide range of home loan and mortgage solutions tailored to your unique needs. Benefit from competitive rates, flexible terms, and expert guidance to help you achieve your homeownership and investment goals.
Looking for Conventional Home Loans in California? John Goodpaster offers competitive rates and flexible terms to help you secure financing for your dream home. With over 20 years of experience, John provides expert guidance to make the home loan process simple and stress-free.
Unlock the benefits of FHA Home Loans in California with John Goodpaster. Designed for first-time homebuyers and those with less-than-perfect credit, FHA loans offer flexible qualification requirements and affordable down payment options. John’s expertise helps you secure the financing you need with confidence and ease.
Looking for VA Home Loans in California? John Goodpaster specializes in helping veterans and active-duty service members secure affordable financing with no down payment and competitive rates. With over 20 years of experience, John ensures you navigate the VA loan process smoothly to achieve your homeownership goals.
Explore Jumbo Loan Programs in California with John Goodpaster. Perfect for high-value properties, these loans offer competitive rates and flexible terms. John’s expertise helps you secure the financing you need for luxury homes or investment properties, ensuring a smooth and straightforward process.
Need Self-Employed Mortgage Solutions in California? John Goodpaster specializes in helping self-employed individuals secure home financing with tailored options that account for unique income structures. With over 20 years of experience, John simplifies the process to help you achieve homeownership with confidence.
Looking for Non-QM Loans in California? John Goodpaster offers flexible financing options for borrowers who don’t meet traditional lending criteria. Whether you’re self-employed or have unique financial situations, John provides tailored solutions to help you secure the right loan for your needs.
Explore Bank Statement Loans in California with John Goodpaster. Ideal for self-employed borrowers, these loans use bank statements instead of tax returns to qualify. John’s expertise helps you navigate the process with ease, ensuring you secure the financing you need without the complexities of traditional documentation.
Looking for Investment Property Loans in California? John Goodpaster provides tailored financing solutions for real estate investors, whether you’re purchasing your first rental property or expanding your portfolio. With expert guidance and competitive rates, John makes securing investment property financing straightforward and hassle-free.
Explore ITIN Loans in California with John Goodpaster. Designed for individuals without a Social Security Number, these loans provide a pathway to homeownership. John offers personalized guidance to help you navigate the process and secure financing, making homeownership accessible to a broader range of borrowers.
Looking for Refinance Options in California? John Goodpaster helps homeowners lower their monthly payments, reduce interest rates, or access home equity with customized refinancing solutions. Whether you’re refinancing for a better rate or to fund home improvements, John’s expertise ensures a smooth and efficient process.
Explore Cash-Out Refinance options in California with John Goodpaster. Unlock the equity in your home to pay off debt, fund home improvements, or invest in other opportunities. John provides expert guidance to help you make informed decisions and secure the best possible terms for your cash-out refinance.
Looking for Renovation and Construction Loans in California? John Goodpaster offers flexible financing options for homebuyers and investors looking to renovate or build their dream property. With over 20 years of experience, John provides expert guidance to help you secure the funding you need for your next project.
Explore USDA Loans in California with John Goodpaster. Ideal for rural homebuyers, these loans offer no down payment and competitive rates. John’s expertise helps you navigate the eligibility requirements and secure affordable financing to make homeownership possible in qualifying rural areas.
Looking for First-Time Homebuyer or DPA Loans in California? John Goodpaster offers specialized financing options with low down payment assistance to help you achieve homeownership. With expert guidance and tailored solutions, John simplifies the process to make your first home purchase smooth and affordable.
Explore Reverse Mortgages in California with John Goodpaster. Eliminate monthly mortgage payments, access your home equity, or buy a new home with this flexible option. Designed for homeowners 62 and older, reverse mortgages provide financial freedom to help fund your retirement goals.
From first-time homebuyers to seasoned investors, John Goodpaster offers a range of home loan and mortgage solutions tailored to your unique needs. With competitive rates, flexible terms, and personalized support, John is committed to helping you achieve your homeownership and investment goals with confidence.
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.
With over 20 years of experience, John Goodpaster is dedicated to making the mortgage process smooth and stress-free. Whether you’re a first-time homebuyer or a seasoned investor, John takes the time to understand your needs and provide customized solutions. His expertise, personal approach, and deep network of lenders ensure you get the best loan terms available, helping you achieve your homeownership and investment goals with confidence.
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.
John offers a wide range of home loan and mortgage options, including FHA, VA, Conventional, Jumbo Loans, Investment Property Financing, and more. He tailors each solution to meet your unique financial goals.
As a first-time homebuyer, John will guide you through the entire process—from securing a loan with competitive rates to explaining down payment options. His personalized approach ensures you feel confident and informed every step of the way.
Yes! John offers various refinancing options to help you lower your monthly payments, access home equity, or secure better loan terms. He will evaluate your current mortgage situation and recommend the best refinancing solution for your goals.
John has extensive experience in financing investment properties in Southern California. Whether you’re buying your first rental property or expanding your portfolio, he provides expert advice on loan programs designed to maximize cash flow while minimizing risk.
Yes! John specializes in working with self-employed borrowers. He understands the unique challenges of proving income and can help you secure financing through options like bank statement loans or Non-QM loans.
John will work with you to assess your financial situation, including income, credit, and property type. He offers a custom loan analysis to help you understand your qualification details and the best options available to you.
Yes, John is licensed in California and has over 20 years of experience helping clients across the state with home loans, refinancing, and investment property financing.
A Conventional Home Loan is a traditional mortgage that isn’t insured or guaranteed by the government. These loans often come with competitive interest rates and flexible terms, making them a popular choice for borrowers with strong credit and financial stability. John can help you find the best conventional loan options for your home purchase or refinance.
FHA Home Loans are government-backed loans that require lower down payments and more lenient credit requirements, making them ideal for first-time homebuyers or those with less-than-perfect credit. John can help you navigate the FHA loan process and find a solution that fits your needs.
VA Home Loans are available to veterans, active-duty service members, and eligible spouses. These loans offer several benefits, including no down payment, competitive rates, and no private mortgage insurance (PMI) requirements. John specializes in VA Home Loans and can help you access these benefits to buy or refinance a home.
A Jumbo Loan is a type of mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Typically used for high-value properties, Jumbo Loans require higher credit scores and larger down payments. John can guide you through securing a Jumbo Loan with the best possible terms.
Bank Statement Loans are ideal for self-employed borrowers who may not have traditional income documentation like W-2 forms or tax returns. Instead, these loans use bank statements to verify income. John specializes in bank statement loans and can help you secure financing with this flexible option.
Non-QM (Non-Qualified Mortgage) Loans are loans that don’t meet the standard requirements set by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans offer flexibility for borrowers with unique financial situations, such as self-employed individuals or investors. John can help you explore Non-QM loan options if you don’t fit traditional lending criteria.
A Cash-Out Refinance allows you to refinance your mortgage for more than you currently owe and take the difference in cash. This option can be used for home improvements, debt consolidation, or other financial needs. John can help you understand the pros and cons of cash-out refinancing to see if it’s right for you.
A Reverse Mortgage allows homeowners aged 62 or older to convert their home equity into cash without making monthly mortgage payments. This option can be a great way to access funds for retirement or pay off existing debt. John can guide you through the process and help you determine if a Reverse Mortgage is the right choice for your needs.
USDA Loans are government-backed loans designed for rural homebuyers. They offer no down payment and low-interest rates, making them an excellent option for those buying in eligible rural areas. John can help you determine if you qualify for a USDA loan and help you navigate the application process.
John specializes in financing investment properties in Southern California. Whether you’re buying a single-family rental or a multi-unit property, he can provide tailored loan options that maximize your investment potential. John’s expertise in real estate investing helps you make informed decisions and secure financing that aligns with your financial goals.