Mortgage broker serving Fort Smith and the River Valley
Licensed throughout Arkansas and built to work by phone and secure online application, we bring competing lenders to Fort Smith, Van Buren, Russellville, and the towns along the river.
Where we lend in the River Valley
Every town below, and the ones between them. Licensed statewide, so the list is a starting point, not a boundary.
The metro
Fort Smith
One of Arkansas's largest cities
A housing mix that runs from historic districts to new subdivisions. The full program range applies here, FHA through jumbo.
Start in Fort Smith →Van Buren
Historic downtown, right across the river
Neighborhoods that fit conventional and FHA budgets alike. We price both paths so you can compare.
Start in Van Buren →The growth side
Greenwood & Chaffee Crossing
Where the new construction is
Heavy on new builds. Construction loans and builder purchases are everyday work for us.
Start in Greenwood & Chaffee Crossing →Russellville
University town on the Arkansas River
Halfway to Little Rock, with first-time-buyer programs and conventional financing fitting most of the market.
Start in Russellville →USDA and acreage
Clarksville & Ozark
River towns where USDA is common
Zero-down financing is worth checking before you assume you need a big down payment.
Start in Clarksville & Ozark →Acreage & rural
Logan County to the edge of the Ozarks
Homes with land are a regular purchase. We match the property to lenders that finance it properly.
Start in Acreage & rural →More places we lend: Northwest Arkansas · Central Arkansas · East Arkansas & the Delta · South Arkansas
Programs that come up most in the River Valley
Construction
Chaffee Crossing and Greenwood run on new builds. Construction loans disburse in phases and convert to a permanent mortgage when the home is done.
About Construction loansConventional
The default for Fort Smith and Van Buren's established neighborhoods, priced across competing lenders instead of one bank's sheet.
About Conventional loansUSDA
The smaller river towns often sit in USDA-eligible areas, and zero-down financing is worth checking before assuming a big down payment.
About USDA loansHow it works from the River Valley
Nothing about the process requires a trip to our Bentonville office.
- 1
Start online or call
The secure application puts your file in front of one of our loan officers; a phone call works just as well if you'd rather talk first.
- 2
We shop the lenders
Your goal and the property get compared across the lenders we broker, and you hear the options in plain language.
- 3
Close where the home is
We manage the file through underwriting to a closing wherever in Arkansas the property is.
Working with us from the River Valley
Can you handle a loan in the River Valley from Bentonville?
Yes. Hero Mortgage (NMLS #1946359) is licensed throughout the State of Arkansas. The application is our secure online form, the conversations happen by phone, and the closing happens where the property is.
Why use a broker instead of a Fort Smith bank?
A bank offers its own products; a broker shops your loan across multiple lenders that compete for it. You end up choosing from a wider set of programs with one point of contact managing the file.
Do you finance new construction in the Fort Smith area?
Yes. Construction loans disburse in phases as the build progresses and convert to a permanent mortgage when it's complete. We also handle purchases from builders with financing already framed up.
Buying in the River Valley? Get your application started.
Start your secure application online and one of our loan officers takes it from there.
Not ready to share your information yet? Request a callback and we'll talk through your options first.