About the Brokerage

Carpe Diem Mortgage is a DBA of Robert Arne loosely related to Carpe Diem Financial Planning and Carpe Diem Tax with no binding agreements between any of the services. Carpe Diem Mortgages combines the known integrity of San Lorenzo Valley local Robert Arne with the lifetime experience of Scott and Lisa Hill of Hill Mortgage Inc.

Robert C. Arne

Mortgage Lending Originator, Financial Life Planner, and Tax Strategist

Owner of Carpe Diem Mortgage
NMLS #2565162
DRE #01214571

Robert is a life planner, teacher, and historian who cherishes listening to other’s dreams then fulfilling them with spiritual, intellectual, and economic freedom.  He relished eight years of experience with Dunham Associates CPAs; there he prepared complicated tax returns and projections for high net-worth individuals and championed their causes when need arose before the IRS and FTB. Robert obtained Real Estate and Mortgage Lending Originator licenses when he fully grasped how much home ownership preserves securities portfolios as it generates not only net worth, but net joy!  You’ll love his broad education and sense of humor that can charm even IRS Agent Smith; you’ll trust him when you realize that he is steeped in honesty and fairness.

Robert studied political economy and history at University of California, Berkeley; University of Chicago; and Oxford University. He learned financial markets from Nobel Laureate professors, and augmented this education with a CFP® and a Master’s in Advanced Financial Planning from Golden Gate University, where he is now teaching finance as a professor. Robert understands business with everything from his knowledge of business plans and tax returns to his real-world experiences founding a tutoring center, a school, a nursing home, and doing multiple real estate ventures.

Robert is an empathetic financial coach who relates to tax, financial, and family challenges because overcoming these paved his own way to financial independence.  He grew up in Oakland’s hills, loving its Redwood Park as the son of a judge and mother who raised and educated him well in legal logic and dramatic stories. In the past, he devoted his spare time to rebuilding his mountain chalet, tending pet koi, hiking, cycling, motorbiking and world travel.  But a fall on a hiking trail left him paraplegic and now he is just as happy with Orthodox religion, sharing time with a loving Filipina wife and singing sweet songs of liberty in a novel about religion in Revolutionary China.

For wisdom with compassion,

Robert C. Arne, MA, EA, MLO,  CFP®, MS in Advanced Financial Planning

Hill Mortgage Inc. – Our Broker

Residential, Reverse, Commercial, Private & Mobile Home Loans since 1997

Owner of Hill Mortgage Inc.
NMLS# 309812/2134092
DRE# 01332532/02142750

When you have a mountain to climb, start with the hills.  

In 1997 after serving 10 years in the US Navy as a rescue swimmer and submarine hunter, I started my career in the mortgage world. I have been proudly helping my clients with their mortgage needs ever since. I absolutely love helping my clients reach their financial goals.

I work with Conventional, FHA, VA Jumbo, Commercial and Reverse mortgages. I have built my business through integrity and customer service. 95% of my business comes from repeat clients, their referrals and real estate agents and other business partners.

“You don’t want to have so much money going toward your mortgage every month that you can’t enjoy life or take care of your other financial responsibilities.”

-Dave Ramsey