The Best Mortgage Lenders in Jacksonville, AR
Compare verified mortgage lenders serving Jacksonville, Arkansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Jacksonville
Featured Mortgage Lenders
Mortgage Solutions of Arkansas
Mortgage Solutions of Arkansas, LLC
Mortgage Solutions of Arkansas is a highly rated mortgage broker with over two decades of experience serving central Arkansas, including Jacksonville. They are known for their personalized approach, competitive rates, and expertise in a wide range of loan products. Customers praise their responsive service and ability to guide borrowers through complex mortgage processes, making them a top choice for home purchases and refinancing in the region.
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Premier Mortgage Group
Premier Mortgage Group, Inc.
Premier Mortgage Group has built a strong reputation in the Little Rock metropolitan area, including Jacksonville, for its customer-focused service and deep knowledge of various loan types. With nearly two decades in business, they are praised for their transparency, competitive rates, and efficient processing. Their team is experienced in handling first-time homebuyer programs, investment properties, and construction loans, earning high marks for reliability and satisfaction.
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First Security Bank
First Security Bank
As a long-established local bank with a physical branch in Jacksonville, First Security Bank offers trusted mortgage services backed by decades of community banking experience. While founded earlier than the typical range, it is included due to its exceptional ratings, strong local presence, and high customer satisfaction. They provide competitive rates, personalized service, and a full suite of loan options, making them a reliable choice for Jacksonville residents seeking stability and expertise in mortgage lending.
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Frequently Asked Questions
Common questions about mortgage lending in Jacksonville, AR
What are the current average mortgage rates in Jacksonville, AR, and how do they compare to state averages?
Mortgage rates in Jacksonville typically align closely with Arkansas state averages, often slightly below national rates due to the area's lower cost of living. As of recent data, 30-year fixed rates in Jacksonville generally range from 6.5% to 7%, but these fluctuate with market conditions. Local lenders often offer competitive rates due to Jacksonville's stable housing market and military presence from Little Rock Air Force Base.
Are there any special mortgage programs for first-time homebuyers in Jacksonville?
Yes, Jacksonville homebuyers can access the Arkansas Development Finance Authority (ADFA) Move-Up program, which offers competitive interest rates and down payment assistance. Additionally, the city's proximity to Little Rock Air Force Base makes VA loans particularly popular, with many lenders experienced in military lending. Local credit unions like Arkansas Federal Credit Union also offer special first-time buyer programs with flexible requirements.
How does Jacksonville's property tax structure affect my mortgage payments?
Jacksonville has relatively moderate property tax rates compared to national averages, with Pulaski County rates typically around 0.92% of assessed value. Your mortgage lender will calculate these taxes into your monthly escrow payment, which is particularly important since Jacksonville properties are reassessed every three years. First-time buyers should note that new construction may have different tax assessments than existing homes.
What unique mortgage considerations should I know about when buying in Jacksonville's flood-prone areas?
Given Jacksonville's location near the Arkansas River and Bayou Meto, flood insurance is often required for properties in designated flood zones, which can add $500-$2,000 annually to your housing costs. Lenders will typically require a flood certification during the mortgage process, and buyers should factor this into their budget. Many neighborhoods in higher elevations north of Main Street avoid these requirements.
How does Jacksonville's military presence impact mortgage lending options?
Jacksonville's close ties to Little Rock Air Force Base mean many lenders are exceptionally experienced with VA loans, offering streamlined processes and competitive terms. Military buyers can often qualify for better rates and zero-down-payment options through VA programs. Additionally, some local lenders offer special benefits for military personnel, including reduced fees and flexible deployment clauses in mortgage agreements.
Nearby Cities
Explore mortgage lenders in cities near Jacksonville, AR
Why Choose a Mortgage Lender in Jacksonville?
Local Market Knowledge
Lenders who understand Jacksonville'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 Jacksonville and get competitive rates on your home loan.