The Best Mortgage Lenders in Houston, AR
Compare verified mortgage lenders serving Houston, Arkansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Houston
Featured Mortgage Lenders
Arvest Bank Mortgage
Arvest Bank
Arvest Bank is one of the most established and highly-rated regional lenders serving Houston and surrounding areas in Arkansas. With deep community roots and multiple branches throughout the region, they offer personalized mortgage services with local decision-making. Their mortgage team provides competitive rates on all major loan types and is particularly noted for excellent customer service in rural and small-town communities. They have extensive experience with USDA rural development loans which are highly relevant for the Houston area.
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Arkansas Federal Credit Union
Arkansas Federal Credit Union
Arkansas Federal Credit Union is a highly-rated regional financial institution that serves members throughout Arkansas, including the Houston area. They offer competitive mortgage rates with lower fees typical of credit unions, along with personalized service from local loan officers who understand the Arkansas housing market. Their mortgage process is streamlined with digital capabilities, and they provide extensive educational resources for first-time homebuyers. Members consistently praise their responsive service and competitive terms.
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The Mortgage Company
The Mortgage Company
The Mortgage Company is a highly-specialized mortgage broker serving all of Arkansas, including rural areas like Houston. They have exceptional ratings for their expertise in navigating complex loan scenarios and providing access to multiple lender partners for optimal rates. Their team includes specialists in USDA rural housing loans and Arkansas-specific housing programs. Customers consistently praise their transparency, communication throughout the loan process, and ability to close loans efficiently even in challenging rural property situations.
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Frequently Asked Questions
Common questions about mortgage lending in Houston, AR
What are the current mortgage rates like for homes in Houston, AR?
Mortgage rates in Houston, AR, typically align with national averages but can be slightly influenced by local economic factors. As a rural community, lenders may offer competitive rates due to lower home prices compared to urban areas. It's best to check with local Arkansas lenders or credit unions for the most accurate, up-to-date rates.
Are there any first-time homebuyer programs available specifically in Houston, AR?
Yes, Houston homebuyers can access the Arkansas Development Finance Authority (ADFA) programs, which offer down payment assistance and competitive fixed-rate mortgages for first-time buyers. These programs are particularly beneficial in smaller towns like Houston, where they can help bridge affordability gaps. Additionally, some local lenders may have special incentives for buyers in Perry County.
How does the rural location of Houston, AR, affect the mortgage process?
Houston's rural setting may mean fewer local lender branches, so you might work with regional banks or credit unions serving Perry County. Appraisals can take slightly longer if comparable properties are scarce. However, USDA loans are a great fit here, offering 100% financing for eligible borrowers in designated rural areas like Houston.
What types of properties are common in Houston, AR, and how does that impact loan choices?
Houston features many single-family homes, manufactured homes, and some acreage properties. For traditional site-built homes, conventional and FHA loans are common. If you're considering a manufactured home, you'll need an FHA, VA, or USDA loan specifically designed for these property types, and the home must meet certain foundation and age requirements.
Are property taxes in Houston, AR, a significant factor in mortgage affordability?
Perry County, where Houston is located, has relatively low property tax rates compared to national averages, which can make homeownership more affordable. However, it's important to factor these taxes into your overall mortgage payment, as they will affect your monthly escrow amount. Your lender can provide an estimate based on the specific property you're considering.
Why Choose a Mortgage Lender in Houston?
Local Market Knowledge
Lenders who understand Houston'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 Houston and get competitive rates on your home loan.