ARLoanSource — The Arkansas Mortgage Authority
A home loan, handled properly.
Licensed Arkansas Originators · PRMI NMLS #3094 · Branch NMLS #252910
Licensed Arkansas originators evaluating every program — USDA, VA, FHA, Conventional, Jumbo, ADFA — against your specific situation. Same-day pre-qualification for most files. No call centers, no third parties.
Get Pre-Qualified
Fast response — most pre-quals returned within 1 business day.
Why Arkansas Borrowers Choose Us
Real evaluations. Not call-center guesswork.
The ARLoanSource Approach
Every Arkansas mortgage program. Read against your numbers.
Most Arkansas mortgage sites publish a list of loan programs and call that information. We evaluate the programs against your income, credit, down payment, and the property itself, then explain the trade-offs so the choice is yours — recommended only when it actually serves you, not because it serves us.
We evaluate the programs against your income, credit, down payment, and the property itself — then explain the trade-offs so the choice is yours.
The recommendation is the smallest part of our work. The math, the documentation strategy, and the structure that fits your file — that is the work.
Loan Programs
Every Arkansas program. Real evaluations.
Pick the program that fits your situation — or let us run the numbers and recommend.
01
USDA Rural Development
Zero down on USDA-eligible Arkansas properties. Income-capped — most rural counties qualify.
02
VA Home Loan
Zero down, no PMI, competitive rates for Arkansas veterans, active duty, and surviving spouses.
03
FHA Insured
3.5% down with 580+ FICO. The Arkansas first-time-buyer workhorse program.
04
Conventional
Fannie HomeReady, Freddie Home Possible, and standard Conventional 97 — 3% down options.
05
Jumbo Financing
Above $832,750 conforming limit. Portfolio, physician, and executive programs.
06
ADFA Move-Up
Arkansas state down-payment assistance — $15,000 grant or $12,500 second mortgage.
Loan Programs
Fifteen Arkansas mortgage programs.
Sourced from HUD, USDA, VA, FHFA, and the U.S. Census Bureau. Each evaluated against the specific scenario it’s designed for.
What Makes Us Different
We don't read from a rate script. We read your file first.
“The thing about Arkansas mortgages isn't finding the program. It's finding someone who reads your file like a person, not a checklist.”
— Practice Principle
Licensed Arkansas Originator On Every File
No hand-off to an out-of-state processor — a licensed Arkansas originator works your file start to finish.
Direct Evaluation, Not Automated Matching
A person reads your income, credit, and down payment against the actual program rules — not a script that spits out the first match.
Same-Day Pre-Qualification For Most Files
Send the basics and get a structured plan back the same day — or a straight answer on why we are not the right fit.
Backed By PRMI, Lending Since 1998
Primary Residential Mortgage, Inc. has been originating loans since 1998 — a 50-state licensed lender behind every Arkansas file.
Arkansas Mortgage Resources
Everything you need before you start.
First-Time Home Buyer Programs
Every Arkansas first-time buyer program — ADFA Move-Up, FHA, USDA, VA, Conventional 97, MCC — with stacking rules.
Explore Programs2026 Loan Limits by County
FHA, conforming, and jumbo thresholds for all 75 Arkansas counties — 1-unit and multi-unit.
See The LimitsAll 75 Arkansas Counties
County-by-county mortgage pages with local USDA eligibility, FHA limits, and ADFA caps.
Browse CountiesArkansas Mortgage Glossary
43 mortgage and home loan terms used by licensed Arkansas originators.
Read The GlossaryCoverage By City + Program
Find your city. Find your program.
132 Arkansas cities. Six core programs. Every combination already mapped — direct links, no click maze, no national-lender hold music.
See All 132 Cities × 6 Programs →Payment Estimator
See what a monthly payment could look like.
Plug in your own numbers below. Then talk to a licensed Arkansas originator to build the real one for your file.
Estimated Monthly Payment
Enter a rate
Estimate only, based on the figures you enter — not a quoted, advertised, or guaranteed rate, and not a loan offer or commitment to lend. Does not include mortgage insurance. Actual payment depends on your credit profile, program, and underwriting.
How It Works
From scenario to closing day.
Four steps, one licensed Arkansas originator the whole way through.
Send Your Scenario
Tell us the basics — income, down payment, timeline — and we start evaluating programs against your actual file.
Get Pre-Qualified
Most pre-qualifications are returned within 1 business day, backed by a licensed Arkansas originator’s review.
Choose Your Program
We lay out the trade-offs across every program you qualify for so the final choice is yours, with full visibility into the numbers.
Close With Confidence
Same numbers on closing day that you saw on day one — no surprises at the table.
132 Arkansas cities served. Every file, evaluated like it's the only one.
ARLoanSource
Little Rock, AR 72227
Ready for a real conversation?
Tell us the basics. We will come back with a structured plan — or a straight answer on why we are not the right fit.
Get Pre-Qualified →
EQUAL HOUSINGOPPORTUNITY
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.