The Best Mortgage Lenders in Curtis, AR
Compare verified mortgage lenders serving Curtis, Arkansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Curtis
Featured Mortgage Lenders
Southern Bancorp Mortgage
Southern Bancorp Mortgage
Southern Bancorp is a highly-rated community development bank and mortgage lender with deep roots in Arkansas, specifically serving rural communities like Curtis. As a Community Development Financial Institution, they specialize in helping borrowers in smaller Arkansas towns access competitive mortgage products with personalized service. Their long history in the region and commitment to local communities make them exceptionally well-suited for Curtis residents, offering specialized USDA rural development loans and first-time homebuyer programs.
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Arvest Bank Mortgage
Arvest Bank
Arvest Bank maintains a strong physical presence in nearby Arkadelphia and serves the entire Clark County area including Curtis. With over six decades of banking experience in Arkansas, they offer comprehensive mortgage services with competitive rates and local underwriting decisions. Their mortgage specialists understand the unique aspects of rural Arkansas properties and provide personalized guidance through the entire home financing process, making them a trusted choice for Curtis area homebuyers.
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First Security Bank Mortgage
First Security Bank
First Security Bank has been serving Arkansas communities for generations and maintains a strong mortgage lending presence in the Arkadelphia area that extends to Curtis. Their local mortgage officers provide face-to-face service and understand the specific needs of rural homebuyers in Clark County. They offer a wide range of loan products with the advantage of local decision-making and have built a reputation for reliable service and competitive rates tailored to Arkansas residents.
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Frequently Asked Questions
Common questions about mortgage lending in Curtis, AR
What are the current average mortgage rates for homebuyers in Curtis, AR?
Mortgage rates in Curtis typically align with national averages but can be slightly lower due to the rural nature of the area. As of late 2024, you might expect rates around 6.5-7% for a 30-year fixed mortgage, but working with local Arkansas lenders can sometimes secure more competitive terms. It's best to get quotes from multiple local lenders like those in nearby Texarkana for the most accurate rates.
Are there any first-time homebuyer programs specifically available in Curtis?
Yes, Curtis homebuyers can access the Arkansas Development Finance Authority (ADFA) Move-Up program and down payment assistance programs, which are available statewide. These programs offer competitive interest rates and assistance with down payments and closing costs. Given Curtis's rural location, you may also qualify for USDA loans which require no down payment in eligible areas.
How does Curtis's rural location affect my mortgage options?
Curtis's designation as a rural community opens up valuable USDA loan opportunities, which offer 100% financing with no down payment required. Many properties in and around Curtis qualify for these USDA Rural Development loans, making homeownership more accessible. Additionally, you may find more flexible underwriting standards through local lenders familiar with the area's property types.
What special considerations should I know about when getting a mortgage for a property in Curtis's more rural areas?
For properties outside Curtis's main residential areas, lenders may require additional well and septic inspections beyond standard appraisals. You'll also want to verify that the property has legal access and that any manufactured homes meet HUD certification requirements. Local lenders with experience in Little River County are particularly valuable for navigating these rural property considerations.
Are property taxes in Curtis typically included in mortgage escrow accounts?
Yes, most Curtis mortgages include property taxes in escrow accounts, with Little River County property taxes being relatively affordable compared to national averages. Current rates are approximately 0.62% of assessed value, which means lower monthly escrow payments. Your lender will establish an escrow account to pay these taxes directly, ensuring they're never missed.
Why Choose a Mortgage Lender in Curtis?
Local Market Knowledge
Lenders who understand Curtis's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Arkansas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Curtis and get competitive rates on your home loan.