The Best Mortgage Lenders in Huntington, AR
Compare verified mortgage lenders serving Huntington, Arkansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Mortgage Department
Guaranty Bank & Trust
Guaranty Bank & Trust is a highly-rated community bank with deep roots in Western Arkansas, serving Huntington and surrounding areas. With over two decades of experience, they offer personalized mortgage services through local loan officers who understand the unique needs of Sebastian County residents. Their strong community presence and commitment to customer service have earned them excellent ratings and loyal customers throughout the region. They provide competitive rates and a full range of mortgage products with the personal attention of a local institution.
Loan Types:
Mortgage Division
Arvest Bank
Arvest Bank maintains a strong regional presence throughout Arkansas and serves Huntington residents with comprehensive mortgage services. As one of the largest banks in the region, they offer competitive rates and extensive mortgage expertise. Their local Fort Smith branch provides convenient access for Huntington homebuyers, with experienced loan officers who understand the local real estate market. Arvest receives consistently high ratings for their customer service, loan processing efficiency, and community involvement throughout Western Arkansas.
Loan Types:
Mortgage Services
Centennial Bank
Centennial Bank provides reliable mortgage lending services to Huntington and the broader Fort Smith metropolitan area. With two decades of experience in Arkansas banking, they offer specialized knowledge of rural and suburban property financing that benefits Huntington homebuyers. Their mortgage team receives excellent ratings for responsiveness and guidance through the entire loan process. As a community-focused institution, they understand the specific needs of Sebastian County residents and offer competitive mortgage solutions with local decision-making authority.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Huntington, AR
What are the current average mortgage rates in Huntington, AR, and how do they compare to state averages?
Mortgage rates in Huntington typically align closely with Arkansas state averages, which have recently been slightly below national rates. Local lenders in the Huntington area often offer competitive rates due to the rural nature and lower cost of living. It's wise to compare offers from both local community banks and regional lenders for the best terms.
Are there any special down payment assistance programs available for homebuyers in Huntington?
Yes, Huntington homebuyers can access the Arkansas Dream Down Payment Initiative (ADDI), which provides up to $10,000 in down payment assistance for eligible borrowers. Additionally, the Arkansas Development Finance Authority (ADFA) offers several programs with favorable terms for low-to-moderate income buyers, which are particularly beneficial in Huntington's affordable housing market.
How does Huntington's rural location affect the mortgage approval process?
Huntington's rural classification can impact appraisals, as comparable properties might be limited compared to urban areas. Some lenders may have specific requirements for rural properties, particularly regarding well and septic systems. However, USDA loans are widely available and particularly advantageous here since the entire area qualifies for 100% financing through this program.
What should I know about property taxes and insurance when getting a mortgage in Huntington?
Huntington homeowners benefit from relatively low property taxes compared to national averages, with Sebastian County rates being among the more affordable in Arkansas. However, you should budget for potentially higher homeowners insurance premiums due to the area's exposure to severe weather, including tornado risk, which lenders will require adequate coverage for.
Are there any local first-time homebuyer programs specifically for Huntington residents?
While there aren't Huntington-specific programs, the ADFA's Mortgage Credit Certificate program provides significant tax benefits for first-time buyers throughout Arkansas, including Huntington. This program allows eligible buyers to claim a federal tax credit for a portion of their mortgage interest paid annually, making homeownership more affordable in Huntington's market.
Why Choose a Mortgage Lender in Huntington?
Local Market Knowledge
Lenders who understand Huntington'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 Huntington and get competitive rates on your home loan.