ARLoanSource — The Arkansas Mortgage Authority
A home loan, handled properly.
Updated May 2026 · Reviewed by Conan Watters, Licensed AR Originator NMLS #252910
Licensed Arkansas originators evaluating every program — USDA, VA, FHA, Conventional, Jumbo, ADFA — against your specific situation. Same-day pre-qualification for most files. No call centers, no third parties.
Get Pre-Qualified
Fast response — most pre-quals returned within 1 business day.
Every Arkansas program. Real evaluations.
Pick the program that fits your situation — or let us run the numbers and recommend.
USDA Rural Development
Zero down on USDA-eligible Arkansas properties. Income-capped — most rural counties qualify.
Explore →VA Home Loan
Zero down, no PMI, competitive rates for Arkansas veterans, active duty, and surviving spouses.
Explore →FHA Insured
3.5% down with 580+ FICO. The Arkansas first-time-buyer workhorse program.
Explore →Conventional
Fannie HomeReady, Freddie Home Possible, and standard Conventional 97 — 3% down options.
Explore →Jumbo Financing
Above $806,500 conforming limit. Portfolio, physician, and executive programs.
Explore →ADFA Move-Up
Arkansas state down-payment assistance — $15,000 grant or $12,500 second mortgage.
Explore →Every Arkansas mortgage program. Read against your numbers. Recommended only when it actually serves you — not because it serves us.
Programs evaluated against your numbers.
Most Arkansas mortgage sites publish a list of loan programs and call that information. We evaluate the programs against your income, credit, down payment, and the property itself — then explain the trade-offs so the choice is yours, with full visibility into what each option actually costs.
The recommendation is the smallest part of our work. The math, the documentation strategy, and the structure that fits your file — that is the work.
About the practiceFifteen Arkansas mortgage programs.
Sourced from HUD, USDA, VA, FHFA, and the U.S. Census Bureau. Each evaluated against the specific scenario it's designed for. Pick the one that fits — or ask us which to use.
Find your city.
Find your program.
132 Arkansas cities. Six core programs. Every combination already mapped — direct links, no click maze, no national-lender hold music.
Rural Development
First-time & 580+ FICO
Veterans & Active Duty
Conventional 97
State Down-Payment Assist
Serving entire stateReady for a real conversation?
Tell us the basics. We will come back with a structured plan — or a straight answer on why we are not the right fit.
Get Pre-QualifiedArkansas Mortgage Resources
Deep-dives, county data, and beginner guides
First-Time Home Buyer Programs
Every Arkansas first-time buyer program — ADFA Move-Up, FHA, USDA, VA, Conventional 97, MCC — with stacking rules.
2026 Loan Limits by County
FHA, conforming, and jumbo thresholds for all 75 Arkansas counties — 1-unit and multi-unit.
All 75 Arkansas Counties
County-by-county mortgage pages with local USDA eligibility, FHA limits, and ADFA caps.
Arkansas Mortgage Glossary
43 mortgage and home loan terms used by licensed Arkansas originators.
EQUAL HOUSINGOPPORTUNITY
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.