Mike Arvold
Branch Manager // NMLS #616278
Originally from Minnesota, Mike made a bold move to Scottsdale, AZ at the age of 21, fueled by a dream to become a professional golfer. During this five-year adventure, circumstances changed, and he found his calling in the banking industry. After five years in Arizona, Mike returned home to Minnesota, driven by the desire to be closer to family and work as a financial advisor.
Close Just Once With Refined Lending’s New Construction Financing, Or Use Our Traditional 2-Time Close Construction Program
Avoid the hassle and additional cost of closing twice. Refined Lending’s One-Time-Close program allows you to close just once when building your dream home. No need to close again after completion!
Ask us about the Exclusive Builder program offering 300-day locks!
Total Teardown?
Refined Lending's One-Time-Close program works for both new construction and/or total tear-downs.
In-House Processing
In-house processing and construction lending team – from application through through underwriting and funding, we ensure a steady and reliable process.
Rate Protection
Rate protection for entire term of loan. ability to lock with a signed Purchase Agreement, Plans and Specs.
Just One Closing
Closing once means only paying one set of closing costs and you only need 5% down*
Refined Lending powered by Luminate Home Loans NMLS 150953 is a FDIC Mortgage Bank with multiple locations to best serve the community. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget. All rates and programs subject to change at any time without notice. Equal Housing Lender. Not a commitment to lend. All clients will need to apply and clear standard underwriting guidelines.
CIP Disclosure: Important Information about Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application) What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
*5% down payment only available for loan amounts under $647,200. Loan amounts $647,200 and above require a higher down payment.