Mortgage broker serving South Arkansas
Licensed throughout Arkansas and built to work by phone and secure online application, we bring competing lenders to Texarkana, El Dorado, Camden, Pine Bluff, and the towns between.
Where we lend in South Arkansas
Every town below, and the ones between them. Licensed statewide, so the list is a starting point, not a boundary.
The southwest corner
Texarkana
A state line runs through downtown
We finance homes on the Arkansas side of the line. If you are weighing both sides, we can tell you plainly what we can and cannot do before you make an offer.
Start in Texarkana →Hope
Hempstead County, on I-30
Much of the county falls in USDA-eligible areas. Zero-down financing is worth checking before assuming you need a large down payment.
Start in Hope →Arkadelphia
Two colleges on the Ouachita River
Faculty, staff, and first-time buyers who came for school and stayed. Low-down-payment programs are a common fit.
Start in Arkadelphia →The oil and timber belt
El Dorado
Union County seat
Established neighborhoods and a downtown that has seen real investment. Conventional and FHA both fit the housing stock here, and we price both so you can compare.
Start in El Dorado →Camden
Ouachita County and the Highland Industrial Park
Defense and aerospace employers bring relocations. We handle files by phone and secure application, so a move from out of state works the same as a move across town.
Start in Camden →Magnolia
Home of Southern Arkansas University
A college town with a steady stream of first-time buyers. We walk through FHA, USDA, and conventional side by side.
Start in Magnolia →The southeast
Pine Bluff
Jefferson County, on the Arkansas River
Prices here leave room in most budgets. FHA and conventional loans handle most purchases, and VA is a daily conversation for the Arsenal and veteran community.
Start in Pine Bluff →Monticello & the rural south
Warren, Crossett, Hamburg, and the timber towns
Nearly all of the rural south is USDA-eligible. If you qualify, zero-down financing is usually the first thing to look at.
Start in Monticello & the rural south →More places we lend: Northwest Arkansas · Central Arkansas · Fort Smith & the River Valley · East Arkansas & the Delta
Programs that come up most in South Arkansas
USDA
More of South Arkansas qualifies for USDA financing than almost anywhere else in the state. For eligible buyers it means no down payment and competitive terms, and we check eligibility for the exact address.
About USDA loansFHA
A flexible option for buyers with modest savings or credit that is still recovering. It fits much of the region's housing stock, and we compare it against conventional so you see the real difference.
About FHA loansVA
Eligibility follows the borrower, not the address, so qualified veterans and service members can use a VA loan anywhere in the region with little to no down payment and no PMI.
About VA loansHow it works from South Arkansas
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 South Arkansas
Can you handle a loan in South Arkansas 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.
Can you finance a home on the Texas side of Texarkana?
Not today. Our license covers Arkansas, so we finance homes on the Arkansas side of the line. If that changes we will say so here. If you are looking at both sides, tell us early and we will be straight with you about what fits.
How do I know if a property is USDA-eligible?
Eligibility depends on the specific address and on your household income. Send us the address and we will check it, along with the income limits for the county, before you spend time on anything else.
Buying in South Arkansas? 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.