Purchase - Refinance - consulting 

Each client and their situation is unique. One-size-fits-all approaches will never help you reach your goals. We deliver custom solutions, tailored to you--your family, your culture, your one-of-a-kind challenges. We analyze your specific situation and design a plan around you. Fully educating you so we can assist in making the most informed decision with possibly the largest financial decision in you life.

our approach


we believe in a unique and customized Lending experience for each and every client.

"I have had a few friends tell me how hard and how long refinancing has taken them but everyone says the rates are low its worth it. My experience with Arrona Financial was anything but that.
Working with David could not have been easier.  I feel like I didn't have to do anything.  Everything went smooth, quick, no problems and now we are saving over $400 dollars a month.
I can't recommend Arrona Financial enough.  I tend to be procrastinator and my wife gave me the task of refinancing.  She was shocked when I told her it was all taken care of yesterday.  Not only is Arrona Financial awesome I also scored points with my wife!!!"          -- Matt C. 

"I have had the opportunity to work with Dave on multiple projects. Dave was able to accomplish the difficult task of securing financing for my home purchase at a time when lending markets were collapsing. I am certain that I would not have been able to buy my first home without Dave's hard work, industry relationships and expertise. As soon as I am settled in, I will be contacting Dave to help me organize my financial affairs and direct me how best to prepare for the future. I have already recommended him to family and friends."        -- Ryan C. 

We offer a range of lending services, all designed to help you reach your goals. Whether you're looking for a home for yourself, an investment property or to grow a family, we have you covered. 

Based out of downtown San Luis Obispo, CA we lend in all of California. From residential to commercial, we have a loan product to finance your next real estate transaction.

We do all of the heavy lifting for you and take the time to educate and walk you through the lending process.

who we are

ARRONA FINANCIAL is more than just your average purchase and refinance mortgage lender based in San Luis Obispo