Business Details
32 Years
experience
Your Trusted Mortgage Partner in Seattle
Founded in 1994, Arboretum Mortgage has established itself as a trusted partner in residential mortgage lending. Our approach combines growth-oriented real estate investment opportunities with a diverse range of loan programs tailored to meet individual client needs. Through ethical lending practices and personalized service, we have cultivated lasting relationships with clients across the Pacific Northwest, facilitating over $4 billion in home loans.Our proven process emphasizes effectiveness and reassurance, supported by a team of experienced loan originators committed to professional service and efficient loan processing. Accredited by the Better Business Bureau, we maintain state licenses in Washington, Colorado, Oregon, and Idaho to serve a broad geographic area.
Services
Purchase Loans
Refinance Loans
Home Equity Loans
Construction Loans
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
Reverse Mortgages
Investment Property Loans
Details
- Year established: 1994
Highlights and features
- We offer 30+ years of mortgage lending experience since 1994
- Our BBB accreditation demonstrates ethical business practices
- Specialized loan programs for primary, second, and investment properties
- Personalized service from licensed originators in 4 states
- Proven process with $4 billion+ in successfully funded loans
Associations and certifications
- Better Business Bureau (BBB)
Services
Purchase Loans
We specialize in residential purchase loans for primary residences, second homes, and investment properties. Our loan originators work closely with clients to secure competitive rates and favorable terms. With expertise in conventional, FHA, and VA loan programs, we help buyers achieve homeownership across the Pacific Northwest.
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer conventional refinancing, cash-out options, and streamline refinance programs for existing FHA/VA loans. The process focuses on maximizing client savings while maintaining lending compliance across multiple states.
Home Equity Loans
We provide home equity loans and HELOCs for property owners seeking to leverage their home's value. These programs support home improvements, debt consolidation, or major purchases. Our team explains loan-to-value requirements and interest rate options to ensure clients make informed borrowing decisions.
Construction Loans
Specialized construction loans finance new home builds and major renovations. We guide clients through the unique requirements of construction financing, including draw schedules and builder coordination. These short-term loans transition to permanent mortgages upon project completion.
Reverse Mortgages
Our reverse mortgage program enables homeowners aged 62+ to convert home equity into tax-free funds. We explain eligibility requirements, payment options, and implications for estate planning. This program specifically serves senior clients seeking supplemental retirement income.
People
Garth Erickson
President
Leading Arboretum Mortgage since 1994, Garth Erickson brings extensive industry experience to mortgage banking. His leadership emphasizes ethical lending practices and client-focused solutions.
Todd Chambers
Vice President
As Vice President, Todd Chambers oversees loan operations with a focus on regulatory compliance and process efficiency. He has managed mortgage portfolios across multiple states for 15+ years.
Dan Titcomb
Vice President
Dan Titcomb specializes in complex loan scenarios, helping clients navigate jumbo loans and investment property financing with personalized mortgage strategies.
Michael Eskenazi
Vice President
Michael Eskenazi manages multi-state licensing requirements while originating loans tailored to Pacific Northwest real estate markets and regulatory environments.
Jaclyn Biggers
Vice President
Jaclyn Biggers focuses on client education, explaining loan options and mortgage processes to first-time homebuyers and experienced investors alike.
Questions
What types of mortgage loans do you offer?
We offer purchase loans, refinance options, home equity loans, construction financing, conventional loans, jumbo loans, FHA/VA loans, and reverse mortgages.
Which states do you serve?
We operate in Washington, Colorado, Oregon, and Idaho with state-specific licensing, primarily serving Pacific Northwest clients.
Are you a BBB-accredited business?
Yes, we maintain Better Business Bureau accreditation demonstrating our commitment to ethical business practices.
How does the mortgage application process work?
Our process begins with pre-qualification, followed by document submission, underwriting review, and closing coordination with your real estate professional.
Can I get a mortgage with less-than-perfect credit?
We evaluate multiple factors beyond credit scores, including debt-to-income ratios and employment history, to determine loan eligibility.
