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.
Preparing to buy or refinance in Southern California involves decisions about the property, your finances and the contract. These answers help you bring the right questions to John Goodpaster.
A financing review can help establish a realistic price range and identify documentation issues before a contract deadline. Ask what any preapproval covers and what remains conditional. A preapproval letter does not replace the property’s appraisal or guarantee the eventual loan.
Estimate principal and interest, property taxes, insurance and any association dues or mortgage insurance. Keep maintenance and household savings in the budget too. The advertised mortgage payment may omit costs that materially change what the home requires each month.
Start with occupancy, loan amount, down payment and how income can be documented. Then compare the costs and conditions of programs that actually fit. John works with ARBOR Financial Group; ask for an explanation of the options relevant to your specific transaction.
Discuss appraisal timing, title work, underwriting conditions and any assistance or condominium review. Ask which documents are still needed and whether the rate-lock period covers the expected schedule. A general estimate of processing time is not a transaction-specific commitment.
A job change or new debt can affect the income and obligations used for approval. Discuss planned changes with the lender first and report changes promptly. Do not assume an earlier preapproval prevents a later review of your financial position.
Separate the down payment from fees, prepaid expenses and required reserves. Then decide what cash should remain for moving, repairs and emergencies. Compare a larger down payment with retaining savings instead of using every available dollar to reduce the loan.
Include your existing balance, remaining term and payment, plus the new loan’s costs and payoff date. If equity is being withdrawn, show the net cash received and additional debt. A payment reduction by itself does not establish that refinancing saves money.
Use this site’s mortgage contact or application options and describe the property, goal and timing. The site also includes ARBOR career information for mortgage professionals. Keep sensitive financial documents in the designated secure application process rather than a general inquiry.
Information checked September 6, 2026. Sources: CFPB: Mortgage costs · CFPB: Preapproval and prequalification · CFPB: Comparing Loan Estimates · Fannie Mae: Self-employed income.