Client Reviews

What people say about my Loan Services?

Childers, Irvine

Sonya and her team were incredible! They made the whole process as easy as I have ever experienced. They were very responsive to whatever questions I had and made sure I was completely satisfied with their answers. I have already referred several  of my friends to her for financing needs.  In the future,I will not hesitate to contact her for my own personal needs. Great Job Sonya


-Dr. Scheel. San Clemente CA

Super cheerful…. from your first conversation with Sonya, you realize that she is so interested in YOU…your situation, details, goals!! From there, you love the fact that she has decades of experience both in finance AND as a realtor, she has a great company and team behind her, and she knows this area so well because she grew up right in this area! As a busy professional, I found Sonya to be unusually patient, positive, and energetic on my behalf. Even on the phone, working with Sonya feels like being there in person; her focus and caring really stand out…. I feel sorry for people who have to endure the loan process using quite nameless clerks or services with such a lower chance of success, or satisfaction!!

Toulfreek from Temecula, CA

Working with Sonya was a great experience start to finish. She kept us informed throughout the whole loan process, there were no unexpected surprises. Even with less than perfect credit, Sonya was able to get us the loan and rates we wanted. We will definitely be using her in the future.


LOAN TYPE Refinance




Amazing service, prompt response times, sensitive to our needs!

Jonathan Boston from Lake Oswego, OR.

The loan process was smooth and painless working with Sonya. Great listener and extremely fast response times. We’ve had several lenders in the past who treat you as a number and not as a valued customer, we’re happy to have purchased the home we did, and to have had the great experience with our home loan.

LOAN STATUS Closed 2016

LOAN TYPE Purchase


INTEREST RATE Lower than expected

FEES/CLOSING COSTS Lower than expected


Buying a home is not easy, especially when you’re a first-time home buyer. The process can be challenging, frustrating, and a journey altogether. However, Working with Sonya and her team at arbor Financial Services lifted a tremendous weight off of my shoulders and ultimately made the transaction a success. Not only was it my first home, but I made the decision to walk into the purchase without a realtor. Sonya was relentless in her efforts to fight for me and stuck by my side every step of the way. I can’t forget the other team members that made this all happen- Joe and Julia. Joe did an excellent job at communicating with me and providing updates along the way. Julia’s professionalism and  dedication to the utmost level of customer service was refreshing and extremely helpful. Any moment I had questions, was unsure, or simply needed more information through the process; Julia came to save the day. Thanks again Arbor Financial Services for making my dreams come true and getting me into my very first home!

Thank you again Sonya Hadley.

Equal Housing Opportunity Lender Better Business Bureau A+ Rating Freddie Mac Preferred Lender Department of Veteran Affairs Lender Federal Housing Authority Approved Lending Insitution

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